davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

Credco made so many hard inquiries to my credit report during my credit counseling and mortgage refinance that it dropped my credit score below the amount allowed for the loan I was requesting. There over 10 inquiries in the last 30 days. This is too many and ridiculous. The very importance for inquiry process was to help me get my house refinanced, not prevent me from doing so.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AL)

I have several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted XXXX and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that XXXX initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows Discover Bank Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX   Inquiry from XX/XX/2019
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AL)

I have several unathorized inquires that I have contacted XXXX  about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that XXXXto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are Syncb/XXXX Inquiry from XXXX  XXXX, XXXX Syncb/lowes Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX Syncb Inquiry from XX/XX/XXXX Syncb Inquiry from XX/XX/XXXX ( XXXX ) XXXX Syncb Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

The company is Wells Fargo Bank N.A. 
My husband had a savings, checking and a safety deposit box. After my husband passed away, I contacted Wells Fargo to take care of his accounts. On XX/XX/2022, XXXX XXXX said I needed to wait 40 days to close his accounts and retrieve the property from his safety deposit box informed me. 

On XX/XX/2022 - I called and spoke to XXXX XXXX, she informed me that Wells Fargo had drilled the safety deposit box in error, on XX/XX/2022, because she grabbed the wrong paperwork from her desk. She informed me there were five people in the area where the safety deposit boxes are located. My response, WHAT my box was drilled in error? 

On XX/XX/2022, I had a scheduled meeting at Wells Fargo and met with XXXX XXXX ( the bank manager was off that day, so XXXX was filling in ). XXXX requested help from XXXX XXXX. 

During this meeting, XXXX informed me that the safety deposit box was drilled because of " maintenance '' and that they drilled my safety deposit box by mistake, " mistakes happen '', as she and XXXX XXXX kept saying. XXXX told me that there was " dual control '' ( Wells Fargo employees : XXXX XXXX, XXXX XXXX, and the driller from XXXX ) while the safety deposit boxes were being drilled. Once they realized the wrong safety deposit box was drilled, they followed the procedures to inventory the property. 

I was told two different stories of why my safety deposit box was drilled, which is the true story? How it is, two Wells Fargo employees are tasked to identify the safety deposit boxes to be drilled, and they both failed? 

Once they closed all the accounts, I asked for a refund for the entire year. XXXX and XXXX both said I would get a full refund, this did not happen.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

Barclays bank Delaware has Violeted the law by refusing to verify the tradeline the reporting to the 3 bureaus.i sent out some letters beginning XXXX of XXXX and the never responded. So XX/XX/XXXX I decided to call them so I can get to the bottom of this.they told me they couldn't verify the tradeline because they didn't have it on file yet they reporting it. according to the law it's my right to ask for debt verification but Barclays Bank refuse to follow the law
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

This is the XXXX  complaint filed against CitiBank. The XXXX   XXXX filed under # XXXX was closed by CFPB after the Bank provided a fraudulent response. After I provided a " feed-back '' to that lie I received a telephone call from a lady by name XXXX who left a message on our answering machine with a request to call Citibank at XXXX number XXXX ( the last two digit I could not understand because of her mumble-jumble. She called though from a telephone number XXXX. After her another lady called me when I was at home and started to talk to me about XXXX credit card which is also issued by CitiBank. Since XXXX credit card had nothing to do with my compliant against Citi about general purpose credit card I refused to continue conversation. The issue in this complaint is the same as in previous compliant : CitiBank refused to provide to me a gift card from XXXX in response to their specific offer e-mailed to me.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Progrexion Holdings, Inc. (MA)

I signed up for Credit Repair.com in XXXX of 2021 - my billing cycle renews on the XXXX of the month. 

Today, the XXXX I called wanting to cancel The guy of course tried to keep me on board and I told him I wanted to cancel ( XXXX was his name ) Then he told me that after the final invoice that bills on the XXXX is received they will cancel - they are trying to get another month out of me. 

I told him that this was incorrect and that I would report them to you guys. 

They intend to process payment tomorrow which I will have my bank deny.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/ 2017 Balance {$100.00}
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax continues to report inquiries on my profile that i didnt authorize. According to section 604 ( 3 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. these inquiries are fraudulent.

1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. Equifax XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I had a car and loan with XXXX XXXX XXXX.   I havent had this car for more than 2 years but it still shows open on my credit report, although it shows up to date,  it goes against my debt to income ratio when trying to get a mortgage.    I have contacted them earlier this year to have it removed when I tried to buy a house and they sent the mortgage company a letter stating the account wasn't open but it stills shows on my credit report.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, we purchased bedroom furniture from Ashley XXXX. The furniture was scheduled to be delivered & assembled by Ashley XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. An assembly person was sent on XX/XX/XXXX and one dresser was damaged when he opened the box and the other one was damaged during his assembly process. Ashley XXXX was supposed to replace the damaged furniture on XX/XX/XXXX but did not. We went to the store on XX/XX/XXXX to request a refund. Instead of refunding our money, they offered to provide replacement furniture but we had to pay the difference, which we paid in cash. 

This new furniture was scheduled for delivery on XX/XX/XXXX but Ashley XXXX again failed to show up nor make any attempt to contact us to explain why. So, we never received the new bedroom furniture we purchased. I attempted to return the damaged furniture to the store XX/XX/XXXX and but XXXX XXXX at the XXXX store said not to. We went to the store on XX/XX/XXXX to request a refund. We were refunded {$760.00} that we paid in cash but never received a refund of the {$2100.00} that was charged to the Ashley ( Synchrony Bank ) card. Ashley picked up the damaged furniture on XX/XX/XXXX but we have not received a refund, nor has the amount been credited back to my Synchrony account. 

I have disputed this charge 3 times with Synchrony. Synchrony continues to incorrectly dispute the full amount of my Ashley purchase. Because of this error on their part, they have been unable to get the fraudulent charge credited back to my account. I have tried to contact both Ashley and Synchrony but have had to wait on hold for hours. Several times the Ashley line just hangs up after I have been on hold for hours. Synchrony has equally been ineffective at resolving this dispute as they seem to not be reading my supporting documents. 

I also filed a compliant with the better business bureau but Ashley stopped responding to the XXXX I believe that both Ashley and Synchrony are collaboratively trying to defraud me. Ashley has their damaged furniture back and I expect my refund/credit of {$2100.00}
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account XXXX XXXX XXXX is an inaccurate account. XXXX XXXX XXXX, XXXX has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with XXXX XXXX XXXX, XXXX. XXXX  and XXXX  removed the account but Equifax has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding Equifax continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? Equifax have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (GA)

I put down a down payment as there policy for us auto is no matter the credit or amount you make you have to put a down payment I did and they falsified documents that said XXXX. They supposedly operate under tila but they did not give me a my recission papers at all or mention it they did not include insurance I had to go to outside provider the finance charge was not the sum of all charges they also did not give full disclosure and let me know that my signature will create the credit. They tried to take my car that belongs to me there is no lien that has been filed. did a ucc 11 search and it came back as no liens on anything attached to me certified. I have the mco. Its in my name. They are harassing and threatening me to take my car. They say I owe for the car and that is not true I have asked for validation that I owe I have asked for a full disclosure contract signed by both parties with 2 wet ink signatures an invoice the actual accounting the lawful terms and conditions they have yet to do so just keep saying I owe x amount but cant prove it.they had me sign documents that said retail installment loan and it was actually a consumer financing transaction. The person who tried to steal my car completely breached the peace I had to call 911 and they have no security interest in the property only myself
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it toXX/XX/XXXX or completely eradicate the disputed erroneous account from my Credit File.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX BANK xxxxxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX, XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX  SERVICES, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC (CA)

My mortgage loan transferred from Inspire Home Loans to XXXXXXXX XXXX in XXXX, XXXX However, not all of the funds in my Escrow made it to the second servicer during this transfer process. 

The second servicer, XXXX, claims that the first servicer, Inspire, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end XXXX statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. Inspire claims they sent $ XXXX to XXXX. And XXXX claims they received only $ XXXX. 

Lost {$6000.00} in Escrow with neither parties willing to help me.