davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (DC)

response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection XXXX : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. XXXX sold the loan to XXXX/XXXX. 

Did XXXX sell my loan after I paid it in full? 

Did XXXX still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
Consumer complaint received 2022-08-17
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: WELLS FARGO & COMPANY (CA)

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; WELLS FARGO CARD SERVICE XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. 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. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Consumer complaint received 2021-05-28
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly 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 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-05-28
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-04-25
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. (AL)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I emailed XXXX XXXX on XX/XX/XXXX to cancel my XX/XX/XXXX vacation booked with XXXX. I received a response on XX/XX/XXXX stating the I would receive {$1400.00} on my credit card. I asked when I would be receive the refund and was told XXXX said to allow 4-6 weeks for the refund. 
I called Bank of America o XX/XX/XXXX regarding a charge of {$1400.00} for a XX/XX/XXXX vacation that I cancelled on XX/XX/XXXX. The travel agent told me that I would be refunded {$1400.00} on my credit card but due to a high volume of cancellations, it could take 4 to 6 weeks. Due to the failure of XXXX and other companies this was alarming to me. I called my credit card company ( BOA ) and shared this information with them and they said they would investigate and that they have 30 days to do so. I asked if they would need a copy of the email and they said yes, however I could not forward the email to them until they sent me an update of their investigation which could be 4 weeks. This is very frustrating because the email could resolve the issue and save days of them investigating. My niece whom I was scheduled to travel with called her credit card company, XXXX with the exact same information and they gave her a provisional credit the same day. 
Please help me with this issues. I have had many refunds over the years to a credit card and it has never taken more than 10 business days. It has been about 4 weeks and no refund to date.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CT)

Trynig to stay brief! I accumlated debt because ... as a mortgage officer at XXXX XXXX - my sales and the companies reputation plummeted. I was forces to sell my existing Single Family home in 2018 and moved to a smaller co-op ( XX/XX/2018 ). No gain from the home sale. It sold for far less than I paid for it ( XXXX vs XXXX ). I only covered part of bank note, and kept a a XXXX 2nd, and also, added closing cost and the moving to new co-op to my credit card. The credit card is a Chase/Marriott account the balance has been between 15K and 28K over the last 2 years. I have paid faithfully and on time. My current interest rate is 15.74 %. This is ridiculous. In light of the new money ( Fereral Reserve, Discount window US Tresury and Commercial paper support. In additon much lower UST yields. It is imperitive for banks do their part to help their customer. Put spending power back in the hands of the people. 500 to 1500 % mark up on the cost of money is a crime! Principle reduction and interest rates reduction to 5 or 6 % is more than resonable. 
*** 1. Can you ( CFPB ) help! 
2. Will goverment, the Federal Reserve, US Tresurt Deptment help. 3. What other option do I have to eliminate this burdensome debt, other than default? How soon may I e
xpect some type of response?
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: CCS Financial Services, Inc. (TX)

A bad report was listed under XXXX Credit Score. We disputed with XXXX. We contacted the filer of the report, Credit Control Services ( or according to person the actual name is Credit Collection Services ). XXXX  report shows entity name as Credit Control Services. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted Credit Control Services ( Credit Collection Services ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with XXXX agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from Credit Control Services.

Thank you
Consumer complaint received 2021-05-28
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. (GA)

On XX/XX/2021sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to theXX/XX/XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (OH)

I hold a mortgage loan with Flagstar Bank, headquartered in MI. 

I am in the final stages of refinancing my mortgage loan, with an original closing date in XXXX. XXXX XXXX is the company that I am closing on the refi with. 

Since I believed that we were closing on our loan in XXXX, we did not make our mortgage payment. Due to COVID-19, our closing date got pushed back at the last minute to the end of XXXX, then into XXXX, due to emerging health advisories and the ability of a notary to come to my residence. My wife and I forgot to reinstate our bill pay to pay the mortgage for XXXX after thinking that we were closing on our refi. 

Once we realized our mistake, in XXXX, we immediately paid our XXXX payment. The company has reported me mortgage as late to the credit bureaus and refuses to remove it. 

This is not an accurate reflection of our ability to pay and in fact this reporting is contrary to an accurate financial picture of our loan obligation which has NEVER BEEN 30 DAYS LATE during the entire time that this company and their predecessor in interest have owned and serviced our loan. 

I want this one late mark removed from our credit reports for this reason.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-28
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. (NV)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later I have not received a response. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within. 30 days gives a reason to immediately remove those items from my credit report. It is been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to. the stress you. caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-04-25
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. (PA)

I, XXXX XXXX sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. They have completely ignore my request to remove the following inquires requested from my consumer report. It has been well over 30 days since they received my dispute and by federal law they must remove the following inquiries requested.
Consumer complaint received 2020-03-19
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. (MA)

The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. XXXX  is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and Equifax is reporting XX/XX/2015. This is not good for my credit report worthiness.
Consumer complaint received 2021-05-28
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. (MI)

MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-28
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. (MO)

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX Bank 2 ) XXXX XXXX Card 3 ) XXXX XXXX Bank 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX CU 7 ) XXXX  XXXX
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (CA)

On XX/XX/20 I sent a payment {$910.00} from my XXXX online bill pay to Exeter. Exeter deposited the check which was at first returned for NSF, Exeter resubmitted the check it was paid on XX/XX/20. Exeter refuses to credit my account and states the check was returned. XXXX has spoken to them and verified the check was paid, I have sent copies of the check shown as paid as well as my bank statement showing the funds withdrawn from my account and Exeter still maintains they did not receive payment. I have spent hours on the phone with them, tried calling their bank XXXX XXXX who would not help me since I am not an account holder, and have spoken to XXXX several times who claims they can not help because they released the funds to XXXX XXXX. 

It has been months and hours of my time, each month I am charged late fees for Exeter not crediting my account and my credit score has suffered. I dont know what else to do.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I have sent Amerifinancial many validation letters, the last one being sent XX/XX/2022, asking them to send me the information that verifies that this debt of XXXX belongs to me. I asked for information bearing my signature, that states that this my debt. I have asked for this on multiple occasions, and every time I have been ignored.
Consumer complaint received 2020-03-19
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: SYNCHRONY FINANCIAL (FL)

Upon reviewing a recent copy of my credit report, I noticed that I had an unauthorized inquiry listed by Synchrony Bank for Amazon.  Knowing that I had not applied for credit through either company, I immediately sent a letter to Synchrony Bank on XX/XX/2020 and informed them of the error. I told them that I had not interacted with either Synchrony Bank or Amazon in applying for credit and I requested that they remove the fraudulent inquiry. I received a letter back dated XX/XX/2020 in response to my request. They stated that the inquiry was a result of an application for credit. They further stated that they follow the law and it is their obligation to accurately report customers credit related information to the bureaus. Therein lies the problem : they are not following the law, and they most definitely are not accurately reporting my information to the bureaus. I specifically let them know that I did not apply for credit. I do not know who did, if in fact anybody, but I did not. They are falsely and maliciously reporting inaccurate negative information to the credit bureaus, causing me great distress. They are in violation of FCRA laws, among others.
Consumer complaint received 2021-05-28
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. (NY)

If Equifax, XXXX and XXXX continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.
Consumer complaint received 2021-05-28
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. (TN)

FCRA Section 609 clearly states that you are required by the law to send me the proof that this account is belong to me. I am requesting you to send to me the full documentation bearing my signature immediately upon receiving this letter.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (CA)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

So I was looking to rent an apartment online. I found this guy from a social media platform. I was supposed to get a studio apartment. He told me to send him an advance deposit because he might not be able to hold the apartment for me until the week I was free to come visit. I was in desperate need of an apartment and didnt want to lose that chance. So I sent him {$500.00} through my bank using XXXX on XX/XX/2020. Then as I was ready to visit the apartment, I contacted him and he told me he was busy and that I shouldnt be bothering him. So I asked what does that mean. He told me I was annoying and that he wont be renting his place to me anymore. Then I told him okay then can I get a refund for my money. He never responded after that. He blocked me and Ive no other way of contacting him. I called my bank right away, they opened an investigation, then closed it after couple of days because they do not see this as a scam. I dont know what else to do.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

we have a mortgage with BBVA Back in XX/XX/XXXX we went to the Bank and asked to do a Deferral for thee months. The Bank issued a Forbearance on the loan, that was XX/XX/XXXX, we maid our payments on time, never missed a payment, XX/XX/XXXX XXXX we Requested a payoff of the loan, we were in the process of a Re-finance,, we are Requesting a payoff of the Forbearance, as of to date we have had no Response from the Bank. XX/XX/XXXX we asked for payoff of Forbearance XX/XX/XXXX no correspondence with the bank we try to call and are re-routed to the country of XXXX, cant understand there language. we also Also back in XX/XX/XXXX they Requested we Pay Three month Escrow XXXX, XXXX XXXX paid {$970.00} All we want to do is pay off the Forbearance, not the Mortgage, Hope you can help us with this situation, we have had nothing but problems with this Bank we started with them back XXXX when we wanted a construction loan, What a Night Mare, the have gone from BBVA COMPASS Bank to BBVA Bank