davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

I paid this account nearly two years ago, and when I did I was told by Enhanced Recovery Company 's agent it would be deleted from my credit reports in 2 months. This account is continuing to report on my credit despite the false promise that they would delete the accounts after resolution.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XX/XX/12 - Filed a dispute with XXXX / equifax information reported incorrectly on XXXX XXXX credit accounts and asked for removal off of credit report.
Consumer complaint received 2020-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CATHAY BANK (CA)

In its response to my complaint, CFPB case number XXXX, the complained company made egregious false statements about being lawful in its dealings with me, and about it has obtained successful court rulings. They were absolutely untrue, and were calculatedly and shamelessly made to deceive CFPB and to avoid responsibilities for complained frauds and abuses. The company has also been completely lawlessness in its acts to subvert justice in courts. Its representing attorneys took advantage of my being unrepresented and brutally bellied me to intimidate me from pursuing justice in court. The company believes that it could get away from malicious cruel abuse of me, a XXXX years old customer who had been its loyal and perfect customers for four decades, and had done no wrongs to deserve being robbed of my paid off home..
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-04-07
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (WA)

I went into XXXX XXXXt today to buy a washer and dryer with my credit card from XXXX XXXX. 
When I doubled checked my credit limit it was {$700.00} and balance was {$530.00} but when I was first approved I had a credit limit of {$7000.00}. They lowered my line of credit with out informing me and that threw my debt to credit ratio out of whack and caused damage to my credit report. 
Because my balance was a little over {$500.00}. 
I called them to get a explanation and the agent just transfered me to a robo call with XXXX. But she confirmed they did in fact lower my line of credit.
Consumer complaint received 2021-07-06
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX  ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (SD)

Our company got hacked. Someone created a similar domain to our supplier 's and set up emails used to send us updated bank information on our supplier 's look a like letter head. We sent an ACH to Chase account on XX/XX/22. When we became aware of it on XX/XX/22, we alert our bank XXXX and Chase bank that holds the account where funds were diverted. Chase does not want to help us or our bank to open an investigation to retrieve the funds or identify the hacker.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}
Consumer complaint received 2020-09-02
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. (VA)

The Issue : On XX/XX/XXXX XXXX XXXX was granted a Judgement against me in XXXX. XXXX XXXX. Since then XXXX XXXX hasnt been reporting any information contained in said Judgment on my XXXX because pursuant to the Comprehensive Consumer Credit Reporting Act of 2017 115th Congress that says Equifax, XXXX and XXXX can no longer reflect/report filed Judgement information on my CBR. According Equifax On XX/XX/XXXX, XXXX XXXX reported derogatory information on the same loan. I believe this is a violation of the Fair Debt Collection Act and the Fair Credit Reporting Act. They cant file a Judgment that goes on my Public Record for 7 years then turn around and put the same info contained in the Judgment on my XXXX knowing the that the credit bureaus no longer show that information. 
Equifax should not allow XXXX XXXX to report the same information contained in the Judgment on my XXXX. Both XXXX and XXXX are not showing XXXX XXXX at all. I forwarded a copy of the Judgment to Equifax, Supervisor XXXX, XXXX and XXXX acknowledged that they were in receipt of the document, yet they refuse to delete the information
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NC)

XXXX  report as of today reporting Springleaf Financial account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for Springleaf Financial to present a debt not owed by me from the original creditor XXXX, Springleaf Financial reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
Consumer complaint received 2022-04-06
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: LJ Ross Associates (OH)

There is a inaccurate account for utitities on my credit report. The account is L.J. Ross & Associates. This is inaccurate because I was XXXX for XXXX XXXX military. My orders are attached
Consumer complaint received 2022-01-25
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-07
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)

EQUIFAX IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE XXXX XXXX ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.
Consumer complaint received 2022-07-28
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-01-22
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-08-20
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. (GA)

I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I am the 3rd part Listing Broker for XXXX & XXXX XXXX. 
Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days. 
The property needs much repair. 
My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition. 
On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules.

Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till mid-XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-14
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. (MA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 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 2020-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

I reached out to Quicken Loans for a Refi. In XXXX. The Loan officer said we will piggy back the Previous Loan. I said Great .To get to the XXXX, In XXXX I made my Monthly Payment to Quicken Loans for XXXX on or about the XXXX or so. Around the XXXX XXXX when I get my SS check. In XXXX I did the Same thing on the XXXX XXXX. I sent in another XXXX for the Month of XXXX., The Problem is I closed my Loan on XX/XX/XXXX and the new Loan doesn't take effect till XXXX XXXX .I have a Letter and Emails saying overages will be refunded after Closing with in two weeks. They are refusing to send my Overage back saying the Put it on the Closing of the Last Loan. If so I wasn't told and I feel they Stole my XXXX. I want my Money back. I am a XXXX Veteran and they should not be taking advantage of those of us unable to travel to Michigan to fight them. I have never been Late with a Payment to them and always on time. My penalty here is Paying these Crooks Early for a Loan that was closed out. My new Payment isnt due tol XXXX XXXX at the new Rate. They took so Long doing my Loan I had asked for The New Rate and they could only say It would cost me more to have it but could not and would not tell me How Much it would cost. So I lost Money by them refusing to give me the lowest Int. on my loan be cause of being Lazy and uneducated to do so .I am very upset with the Lame excuses I am getting and All their Phone calls are Taped and logged .They of course refuse to give them to me as I have called at Least three time asking for my Money returned and was told in two or three weeks. Someone has taken it and I need it back as anyone else would. This Prolonging and obstruction isnt doing me any good after just having XXXX XXXX. If you can help Thank you. If not please advise who I can contact for help. Thank you for your time. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX C XXXX H This is Quicken Loans out of XXXX Michigan who is trying to defraud me.