davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent an investigation request to Equifax on XX/XX/XXXX, and they haven't responded yet with the results. They were supposed to respond in 30 days, but they did not.
Consumer complaint received 2022-07-29
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. (OH)

I ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (VA)

Experian is reporting incorrect information on account that I had with XXXX a car loan they are reporting it as a write off a charge off a bankruptcy and none of this is correct and harming my credit. then have the check for {$4500.00} posted to account with a balance of XXXX. Car was totaled in a car accident in XX/XX/XXXX insurance company provided check to XXXX for payout of XXXX XXXX XXXX. I have disputed this before with Experian but they report a lot of inaccurate information all the time.and they never fix issue
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX  XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (GA)

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX  XXXX XXXX Balance : {$2400.00} ;
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WA)

My XXXX XXXX XXXX was totaled in an auto accident on XX/XX/2019. This was on a 36 month lease and I had put {$7000.00} down and had prepaid my monthly lease payments until XXXX of XXXX. My insurance company, XXXX, allowed me to secure a rental vehicle for two weeks. Unfortunately, at the end of the two weeks, I still did not receive any settlement on the vehicle and any attempt to get a straight answer out of XXXX leasing was futile. My insurance company received a payoff amount of {$22000.00} from XXXX leasing which was sent to them mid XXXX. To date, three calls were made to XXXX leasing on my behalf to obtain information on how I can be made whole on this accident. They keep telling me that it will take 90 days before this will be settled. Here are the issues I would like resolved : 1. Since this lease had Gap insurance, it was my understanding I would only be responsible for the residual value of {$19000.00}, then why did they request a payoff amount of {$22000.00}. 
2. Why is this taking so long to settle when my insurance company has already settled with them. 
3. Why are they continuing to take out the monthly lease payments when they already received the payoff. 
4. How can a customer be made whole and proceed with replacing this vehicle when I am not receiving settlement funds to do so. 
Thank you ... XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , WA XXXX E-mail : XXXX KIA Finance XXXX XXXX XXXX XXXX , TX XXXX Account Number : XXXX Phone : XXXX Total Loss Department Phone : XXXX Customer Service
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am writing to you to express my grievances with the following matter : Escalation issue tracking complaint case # XXXX. 

Wells Fargo Fraud detection team has erroneously marked our company 's XXXX  XXXX XXXX Business checking account which also belongs to our corporation as fraudulent and blocked all outgoing transfers to that account. This was a technical glitch as we have no reason to be blocked, and I have exhausted all resources in attempting to remedy the problem. We have been a loyal customer for many years and I am amazed at how there is nothing there can be done to remedy the problem. Please have someone from your company 's Fraud team communicate with XXXX XXXX of Wells Fargo ( XXXX ) XXXX, as he is very familiar with the details of this case. 

Frankly, I am shocked at how poorly this has been handled, Wells Fargo needs to do better.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

For 2 years, XXXX and XXXX, Wells Fargo has not correctly calculated the Escrow shortage or surplus. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX they excluded to include the month of XXXX. Their report listed XXXX then lists XXXX. They failed to include the XXXX escrow payment in their calculation of Escrow shortage or overage. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX, which they ran as of XXXX, they excluded to include the month of XXXX. Their report listed {$0.00} for XXXX but did include an estimate for XXXX. Their failure of not including at least an estimate for XXXX caused the calculation to be an Escrow shortage instead of an overage. 

I called Wells Fargo and even sent them a detailed letter. My last letter to them was in XX/XX/XXXX asking them now that XXXX is over to please recalculate the escrow shortage using actual data for XXXX. They refused.
Consumer complaint received 2019-03-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My VA mortgage loan was transferred to Flagstar Bank/XXXX XXXX  XXXX. Every year, I get a letter from them demanding payment for an escrow shortage. Normally, they do my escrow analysis in XXXX ; and when I have contacted them in the past March was when they told me my analysis is supposed to be done. This year they did it in XXXX, right after the insurance and property tax was payed out. I was left with a balance of {$86.00} in my escrow account. They mailed me a letter stating that I needed to pay {$580.00} or my mortgage payments would increase by {$87.00}. The escrow transaction statement they sent me does not show the extra {$200.00} I paid them last year for the " escrow shortage ''. When I looked at the transaction data, they are stating payouts for my home owners insurance that are more that what XXXX is charging me. All of this looks highly irregular and I feel like I am being taken advantage of. When I contacted the escrow department of Flagstar Bank, the agent kept talking in circles and said the escrow shortage was money that I owed Flagstar bank that they paid out on my behalf. When I questioned them about doing my escrow analysis earlier than XXXX, they said it was, " because of the state you are living in requires it to be done in XXXX   ''. I asked the agent why it was different this year than the previous years, and she lied to me and said they have always done my escrow analysis in XXXX. When I sighted RESPA to the agent and that the balance of {$86.00} was over {$50.00} and they are required to refund the amount, she told me that they are not required to refund any money, when I owe them money. I feel like I am being scammed, and I am tired of my mortgage payment jumping up every year. When I look at the escrow transaction amounts, they don't match the bills I am getting from XXXX. Something doesn't feel right about this, and as a XXXX veteran, I think I should have been provided a better explanation from the escrow agent than, " you owe us money ''.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (AZ)

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & the following accounts- XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : XXXX  XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2021-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CreditNinja Lending, LLC (MO)

I received a call from structure settlement on XX/XX/2021. While talking to the represented he informed me that creditninja had hired them to collect this debut. During the call I was asked what I was able to pay and when formed what I could do, I was told that was not good enough. He stated that creditninja would agree with that offer. He became belligerent when I stood my ground. After that, he threaten legal action if I did not agree to his terms. I then informed him that I would contact creditninja directly and discuss as settlement. I direct called creditninja after hanging up with him. Creditninja informed me that they no longer own the debut and it was sold to structure settlement.
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX, I contacted the three credit bureaus, creditor XXXX XXXX, and creditor Citibank , N.A . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two XXXX XXXX accounts and one Citibank account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX starting XX/XX/XXXX. Citibank and XXXX XXXX, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both XXXX XXXX and Citibank approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a XXXX XXXX Debt Management representative named Ms. XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, Citibank, and XXXX XXXX to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from Citibank and XXXX XXXX accounts be removed from the credit bureau reports but my request was denied.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXX  # XXXX {$980.00}, XXXX XXXX XXXX XXXX  XXXX {$1900.00}, XXXX XXXX XXXXXXXX XXXX  # XXXX {$25000.00}, XXXXXXXX XXXX XXXX XXXX XXXX Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I was issued a credit balance refund check in the amount of {$7900.00} on XX/XX/2022 which I had lost and had called the bank to issue a stop-payment and reissue, which the bank sent me a letter stating they had done so. Now the bank is claiming the check was cashed and they can not issue me a new one when they had sent me a letter confirming the stop and reissue and a new check was sent to the address on file ( which I still have not received ). Also my account was closed for no reason at all and I want my account re-opened if possible.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 had submitted a dispute letters to Transunion recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I received a notification on my credit that I owed a medical debt of {$690.00} to IC Systems. I have disputed this collection multiple times because I'm unaware how I would have a medical debt when I have always had Military insurance since the age of XXXX. Each attempt to dispute with XXXX, the collect states it's accurate, but does not provide proof. I have also attempted to dispute the debt with the company and still have not received any verification that I owe the debt.
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, it has been over 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.