davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FlexPath Capital, Inc (SC)

In XX/XX/XXXX, I tried to get Flex Path Capital ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX ) to voluntary repossess my car but my account manger would not follow up on my request. In XXXX XXXX, I was about to trade the car but I was unable to due to my credit score with the late payments. XXXX XXXX, I mailed a request in writing to get my car repossessed and left voicemails on XXXX phone. The car was eventually towed by my apartment complex after she also spoke with XXXX who thought I just didnt want to pay for that car and he was advised it was stilling for several weeks without tags. I told the complex manager I was trying to get Flex Path to pick up the vehicle, but they never did and the complex towed it. In XXXX of XXXX, i purchased another vehicle and was advised that the loan with flex path was charged off. I sent another letter on XX/XX/XXXX, letting them know I have received emails from the Recovery department and on my credit report the loan is still open. I havent made a payment since XXXX and the loan is still reporting late payment 150+ days late. In XXXX of XXXX, when I received an email to contact this company about a settlement. The discussion for heated because the {$8400.00} thats on my credit was now over {$13000.00}. The original company ( XXXX ), I got my car from owner was indicted on federal charges for fraudulent schemes in XXXX of XXXX.
Consumer complaint received 2021-01-14
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: LEXISNEXIS (NC)

back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted Lexis Nexis and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means lexis Nexis, XXXX, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and XXXX. I called lexis nexis and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Starting in XXXX XXXX I disputed adverse information on all XXXX credit bureau reports. I also disputed it with the bank XXXX. The issue was that I was in fact delinquent in my mortgage up to 60 days from the period XXXX XXXX until XXXX XXXX. Currently the Transunion report shows 60 days delinquent on one period XXXX XXXX. It does not show a 30 day delinquency at any time prior to that which on its face does not make sense. I received a letter from XXXX in XXXX XXXX showing the account history and the date of first delinquency of XXXX. The letter is attached to this file and according to XXXX the proper information was provided in XXXX XXXX Credit bureaus can not report negative information that is older than seven years. The seven years starts on the date of first delinquency. The letter attached clearly indicates the date of first delinquency and that it was delinquent at all times until XXXX when a modification was completed. If Trans Union entered the information properly provided by XXXX the delinquent payments would not have been reported since XXXX, XXXX. I also attempted to deal with this by phone with Transunion but the customer service representative did not understand the rules and was of little assistance. The fact that it was not resolved in XXXX has created a hardship. We recently had an opportunity to purchase a home. However an attractive loan product that would have been eligible for was not available because of the adverse information only contained on the Transunion report. The mortgage FICO score using Transunion information was about XXXX points lower than the other two bureaus. It resulted in being denied that product because of its stricter requirements.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MT)

I have paid this dept. I think at the time this company went through management changes and my dept somehow was overlooked. 
I talked to management several times trying to make this right but it seemed like they were not interested in looking deeper into the matter. 
Its a shame they ruin my credit over their own fault. I pay my depts, you can look at my credit history. I Will Not Pay A Dept I DO NOT OWE! This has been ongoing now 8 years.
Consumer complaint received 2021-01-12
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. (GA)

In applying for a home equity line Equifax informed lender I had too many new credit accounts opened in the last 12 months. 
This is incorrect. 
Equifax also claimed I had too many credit inquiries also incorrect. 
This lowered my score. 
Further Equifax alleged I had too many revolving credit lines with to high balances.These revolving lines like XXXX XXXX are paid off every month for the last 37 years.I use XXXX XXXX to pay most of my bills including phone bill and some business bills.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (MD)

The XXXX insurance was supposed to be billed and they insurance never got any bill. It belongs to my children who were XXXX at the time. They are kids and its not my account. I have called them that insurance said they have to reach back out to them. Which they refused to do so. And said they going to put on my credit
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CO)

I opened a Discover checking account around XX/XX/XXXX, and they decided to close it on XX/XX/XXXX for " suspicious activity ''. I did absolutely nothing wrong, and now they won't return my money for 60 days. I can not wait 60 days, who can? I called everyday between XX/XX/XXXX- XX/XX/XXXX, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened ( implying it would come before my money ), but then someone told me today that letter would not come until my check came with it.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (CA)

On my XXXX credit report I have an inaccurate account listed under XXXX # XXXX. I believe this account is recorded in-error due to XXXX XXXX XXXX XXXX policy and/or United States XXXX Regulation on Seperation and Discharge. You can not separate from XXXX XXXX military with an open credit/debt when such debt would be inappropriate and unmanageable by the servicemember or a government agency. You are required to have proof of receipt the account is PAID IN FULL or you will be extended in your time and service until the account is paid, per military regulations, this record makes me the ONE EXCEPTION to XXXX XXXX XXXX Policy and the XXXX Regulation.
Consumer complaint received 2021-01-12
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)

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except Equifax was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as Equifax was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and XXXX the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I applied for and received a payment deferral at the beginning of COVID. After 2 months I contacted them and told them I was ready to resume making payments. They told me They would send me a payment deferral agreement in the next couple of weeks that I needed to sign. They told me I could go ahead and start making payments. 
I have been making my payments for the last 6 months and still have not received the payment deferral agreement. I call US Bank regularly to see what is happening and I get a different answer every time. 
I am trying to refinance my home and I am not able to do it because it shows my account in Suspense and does not show any of the {$17000.00} in payments I have made. 
The refinance will save me about {$800.00} a month. So far not being able to do it has cost me around {$4800.00}. 
I have not even been able to confirm the payment deferral agreement is being worked on. 
Can you help me?
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: JPMORGAN CHASE & CO. (CA)

I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

During A vacation to XXXX XXXX Nevada My identification along with other documents were lost XXXX - XXXX - XXXX I discovered My identity had been stolen after a mortgage application in XXXX - XXXX Prior to this I assumed I have contacted XXXX XXXX on multiple occasions about this problem as they are listed as the original creditor why they are sharing my ssn information with multiple different entities when i never permitted them to obtain this information in the first place is extremely illegal they keep reporting the debt under different shell companies or collection agencies ( XXXX XXXX ) & ( I C SYSTEM ) This will be my first time reaching out to first progress credit card about this scenario
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MO)

Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! XXXX
Consumer complaint received 2021-01-11
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. (NV)

It's almost 60 days today since I've sent disputes last XXXX2020 regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of Equifax data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

After submitting my last complaint to the CFPB I have received correspondence from Axos Bank and a dispute affidavit form to submit & complete the chargeback against XXXX for merchandise not received and again Axos Bank has responded with the dispute being denied and no error has occurred and the transaction was authorized. This is not the reasoning for dispute. ( see documentation ) this is the second time Axos Bank Has denied the dispute for the incorrect reason.
Consumer complaint received 2021-01-12
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. (CA)

In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX I have a major problem with EQUIFAX and I need to dispute a few things on my Equifax credit report. Ill start by Verifying my identity. Name : XXXX XXXX Birthdate : XX/XX/1995 Social:XXXXEmail : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , California XXXX . On my Equifax report isnt updating correctly so I need to dispute some items. XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX - {$2000.00} XXXX XXXX - {$420.00} Those account I listed above were removed from all my credit reports except for Equifax, they need to be disputed and removed. Theyve also been on my credit report longer that 7 years. Ive already faxed you guys 10 times. I dont know where my faxes are currently going. Please give me a call. I also have accounts that arent being listed on my credit report either they are : XXXX Balance : {$270.00} Credit Line : {$1000.00} XXXX  XXXX Balance {$150.00} Credit Line {$600.00} XXXX XXXX  Balance : {$510.00} Credit Line  {$3400.00}. XXXX XXXX Credit Card that Im an authorized user for and have been for over 4 years, credit limit XXXX, balance XXXX.
Consumer complaint received 2021-01-11
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (WA)

On XXXX and XXXX, unauthorized transactions were made on the account totaling XXXX. I reported the issue to Branch Manager XXXX XXXX at the bank a few days later. She helped me fill out the fraud forms to start an investigation. To this date, no evidence of an investigation has been given to me. I have no documentation that any investigation actually occurred. 
XXXX now says the bank will not cover the loss. The bank is negligent because the transactions exceeded the daily limit for the account, exhibited an abnormal pattern of activity, and should have been denied on the spot.