davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (NJ)

I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. 

Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. 

At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. 

I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (IL)

I keep receiving repeated calls from the number XXXX. I answered the phone once when they called and nobody spoke. I looked on the internet and it says they are a collection agency. They call my number twice a day everyday and have continued calling me for the past two months.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I have XXXX of the exact same items listed on my credit report as collections. They are the same account number, same amount owed, same collection company, same date of deliquency, etc. I have disputed this information only to be told that it was " verified ''. The bureau can not report XXXX of the exact same collections on my report. It is against the FDCPA. They need to delete these accounts as it is inaccurate. I am very unhappy that I already disputed and they did not do their proper job to delete since they have it on their twice. The credit reporting agency says they are only reporting once and it is the bureaus job to remove. You can see the dispute results attached. You can see they are XXXX clearly the exact same items.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. 
Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 
Regards, XXXX XXXX.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

The addresses reported on the credit report from Equifax are incorrect. These addresses were my sister XXXX XXXX. I have lived in the same house at XXXX XXXX XXXX XXXX Florida for over 26 years. Please remove these addresses.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

In an attempt to retrieve my free credit report from all XXXX of the major credit companies ( XXXX issued a warning ) I was able to obtain my credit reports from XXXX and XXXX without a glitch. However, when I attempted to retrieve my report from Equifax, I was told that they were unable to deliver my free report online without explanation nor a customer support number so that I may inquire myself. After searching their website it is apparent they do not want me to call and only offer this service if I sign up and pay for something. Quite frankly I believe I am owed an explanation for not being able to view my account information and as XXXX of the major credit reporting companies they should have customer service freely available to answer any questions not hide behind a service I need to sign up and pay for.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MT)

In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, 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 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted and sent Fraud Affidavits to Equifax with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Equifax have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX XXXX and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

( The above is the confirmation number on the results of my dispute from equifax -dated XX/XX/XXXX ) What Happened : A XX/XX/XXXX bill from XXXX XXXX that I do not owe was placed as an collection item on all of the Credit XXXX XXXX XXXX. I successfully disputed the debt, having ask that the debt be validated, which they can not do. 
Then around XX/XX/XXXX the debt was was re-inserted to the credit reporting agency.s I received NO notice of this re-insertion. I only found out late in XX/XX/XXXX by checking credit karma as I was thinking of buying a car after the XXXX of this year. I immediately disputed with Transunion and Equifax. I received notice last week that Transunion has removed the item from my report. Equifax just sent notice that they were not removing the item. Please advise Equifax of the rules on re-insert and have this item removed. Please let me know if you need any additional information. 
I have attached a copy of the XX/XX/XXXX, reply from Equifax.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NY)

Equifax is unable to update my personal information such as address, telephone number, and transmit it to XXXX and XXXX. Equifax has been unable to update this information because XXXX and XXXX will not communicate correctly with Equifax. Equifax is unable to fix the Equifax ID Patrol product credit report lock feature. It 's currently not working which would allow for me to lock my credit report. Currently this has been a problem for 8 months and is ongoing. I believe I 'm the victim of Identity Theft and use of my personal and professional information is being used in ill will. There is a feature that Equifax provides as an email to consumer stating that no news is good news dissuading you from checking the internal ID portal, in a way assuring you everything is ok. This is a false status email and I believe is wrong. All prior complaints of change of addresses and phone numbers from my account have been removed, but still have incorrect data published. Equifax is now telling me it 's my responsibility to update the information with XXXX and XXXX. Eliminating the obligation of reporting to the other credit agencies from what I pay for each month.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Account in question are : XXXX ( i believe we first became late of 7 yrs ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (FL)

In XXXX I was told by the loan processor at Pulte Mortgage that the underwriter does not need my tax transcripts for XXXX  and will accept my W2 to verify my income, while having XXXX tax returns. 6 days before closing on XX/XX/XXXX, I was notify that I have to file my taxes after I notify the lender I have file an extension with the irs, they reassured I have to file my taxes early and that it was a XXXX XXXX guidelines, which they already had my previous 2 years tax returns. There was a payment due for my taxes, which I applied for 180 day extension. The underwriter notify me that I must pay my tax bill that isnt due til XXXX before closing, so I proceed to pay the tax bill on my CC. The underwriter and now forcing me to pay off my credit card part of closing while my DTI XXXX %. I do not believe the underwriter has the ability to force me to file my taxes early and pay my tax bill before its due. I do not blame anybody besides the Underwriter for my loan
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account