davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2022-08-08
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OR)

On XX/XX/XXXX The company owes me about {$700.00}. 
I had a fews dispute, and the money was coming back to my bank because I won the disputes. 

US Bank kept taking the amounts of money I won back, out of my bank. 
XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. 

I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. 

So since I did not contact him or bring the letter in they had to close my bank account. 

They sent my account into overdraft for no reason. 
I did not put any charge on my account whatsoever to go into an overdraft. 
It was their fault, not mine. 
Plus I won those disputes fair and square. 

This is what they said in the letter that they sent me. 

We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. 

On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. 

Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. 
Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. 

Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. 

If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. 

We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX 

Sincerely, card members services. 
This letter was sent to me on XX/XX/XXXX. 

Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. 

Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a good day.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (FL)

on XX/XX/XXXX, XXXX XXXX XXXX reported a {$66.00} debt, for XXXX services : To AWA collection, XXXX XXXX  XXXXXXXX XXXX caXXXXXXXX ( reference number ; XXXX ) this service was paid by my insurance company in the year XXXX by XXXX XXXX If XXXX XXXX XXXX billed them.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent 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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (GA)

I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX XXXX Account # XXXX Property addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX In XXXX my wife and I decided to get an apartment so we could be closer to work. XXXX XXXX XXXX was our electric provider and XXXX  was the cable provider for this place rented in XXXX of XXXX. 

We own XXXX houses in the XXXX area XXXX bought in XXXX another in XXXX have attached mortgage statements and water bills for both proving these were current addresses. 

Throughout the week we would bounce from house to house or apartment. Living at all XXXX. 

As XXXX went on we found the apartment at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX which XXXX XXXX XXXX was our electric provider. Was just too expensive to maintain. 

We worked out a move early with the apartment complex and our move out date was XXXX. 

I mailed documentation to all our service providers on XX/XX/XXXX including move out statements. 

I just learned I was charged an early cancellation fee from XXXX XXXX XXXX that was incorrect. 

I called and settled on my last bill and was told by representatives that they would put notes and remove the early cancellation fee as well as remove this reporting from my credit report. 

Please send documentation that is false reporting is removed immediately and send too XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Tx XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I filed for chapter XXXX to clear my debt..became current last year..phh accept my plan for 3 mth trial for XXXX mth payment..so i was doin good doin my payments ..On XX/XX/XXXX i had which was suppose to b a minor XXXX truned to major jad to get a big XXXX XXXX  off my L shoulder my dominant hand side..so my recovery took lil longer..i wrote them to tell them my XX/XX/XXXX payment would b late due to that all they would say is im sorry u XXXX pay an i told them when i could pay..so i paid in XXXX for XXXX so once i got bac to work on my feet i was XXXX to pay to current then covid happened n XXXX i was still workin then n XXXX i kept getton letters from XXXX my payment been sent bac ..i sent my XXXX payment an they sent all bac wont except them they wamt the whole amount..even durim Covid time..so in XXXX i was outa work on FMLA for my XXXX an covid i jad a hard time breathing an i got nac now XX/XX/XXXX ..til this day phh mortgage wont tak a payment ..I owe bout XXXX I cant get a loan to pay it off my bac pay so now i just gota hope an pray i get some help to pay my rears off to start over..if the government dont care bout us lil people why should anyone else..all they want is $ $ $ $ we don't have during this time those who was anove us are mow living like us..welcome to lower class income. 
Thanks for listening XXXX
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (CA)

I started to refinance 3 properties in XX/XX/XXXX with a lender I have worked with for years. I was approved and HomeBridge ( one of the current lenders at that time ) was notified of my refinance. XXXX XXXX, with HomeBridge reached out to me to keep my business, they could do the loan at a less rate & closing costs. I moved one property over, then the other XXXX. I submitted all the requested information, signed all the disclosures and things were moving along. I was assured that my XXXX did not to be filed as we were funding in XXXX. Things started get to suspicious. I was then told in XXXX you need to file your returns and the rates will be expiring. I was getting frustrated as this wasn't what I was told and led to believe. My refinances were then transferred to XXXX XXXX with XXXX to " expedite '' the process and put me top of the line assuring me rates are locked. I have been dealing with XXXX for XXXX  months now on closing the original XXXX refinances. These refinances are unethical when I have signed disclosures, email from XXXX XXXX HomeBridge we need one last piece of info and we can fund by XXXX, then to be strung along for XXXX months to not honor what was started and agreed upon. XXXX didn't return phone calls for 30 days for a business promotion and sometimes a week at time for business travels which dragged on the loan process but I was assured dont worry, your rates are still locked, and with the amount of time this has dragged on and for customer relations, Ill take off $ XXXX {$4000.00} in closing costs on XXXX XXXX XXXX 
I supplied everything that was needed, I was approved, had paid for XXXX appraisals, signed disclosures on all XXXX properties. This dragging it out for XXXX  months, then to have my rates expired ( guess they werent locked ), is on the lender. I did my apart as a consumer and supplied everything as requested asap to close these XXXX refinances. You will see the emails dragging on and on. XXXX reached out to me XX/XX/XXXX and XXXX XX/XX/XXXX says you need your XXXX tax returns, which at that point a XXXX day rate lock is expired, even though I continued to confirm locks were in place. I was told verbally, husband and client had heard the conversation as well. I have emails saying nothing of we need your XXXX returns. She states we want to close in XXXX, please sign the disclosures. On XX/XX/XXXX XXXX reached out to me after being " caught up to speed '' with my scenario of not having my XXXX returns. I want the loans refinanced with the original terms agreed upon with HomeBridge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

About a month ago, I contacted ALLY because had not heard anything from them. When I requested them to mail me the information, I was told to sign up on the internet, but I lost my paperwork and don't know the account number. Two weeks ago, I mentioned that I had not heard/received anything from ALLY which was odd so I asked for validation of proof of the loan along with the contract with my " wet '' signature. They have sent nothing! 

This is supposed to be a business working in good faith. They are not. 

Please fill free to use my email : XXXX XXXX
Consumer complaint received 2022-09-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (DE)

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, Credit Acceptance , Inc for a vehicle loan for a XXXX XXXX XXXX. Time and again Credit Acceptance has reported inaccurate information to the Credit Reporting Bureaus.  On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely ADDITIONALLY, THE LOAN IS NOW SATISFIED AND IS PAID OFF, HOWEVER, YOUR COMPANY STILL CONTINUES TO REPORT INACCURACIES DETRIMENTAL TO MY CREDIT REPORT
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Services, Inc. (IL)

Someone got a hospital bill in my name without my Knowledge ; I am a victim of Identity Theft ; I files a FTC Report and disputed this with the creditor and credit bureaus and this item remain on my credit report and the credit still insist that I owe this amount money to this creditor.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the XXXX XXXX is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On the afternoon of XX/XX/XXXX, I transferred money from my Chase checking account to make a payment to my Chase credit card. As of XXXXXXXX XXXX XX/XX/XXXX, the payment is showing " pending '' in my checking account and my credit card account has not received the payment. 

This is one bank! There's no reason for the transfer to remain pending for an entire day. The funds have been removed from my account but not received by the credit department. So where is this money? 

Further, my credit card incurs interests cost for this time in which there is higher balance on the card. A balance which would be lower if the payment had reached the credit department.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: AMERICAN EXPRESS COMPANY (IL)

american express is reporting a 'charge off ' for an account that i have been continously paying and was never late. 
# XXXX and is stating that the account was closed by credit grantor. amex suddenly chanced the terms of the repayment amount and started to call me hundreds of times even on sundays.. and late at night.. i talked to agents there hundreds of time and for hours on end.. being transferred many times during most calls. i have a good credit history with amex since XX/XX/2010 and before and most agents would tell me i was a 'good ' customer.. this call started when a payment was misplaced on a account with similar account number and i call in to have it reposted to the proper account. 
this is not the first time amex has blundered my account payments.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

in 2013 my wallet got missing in a train from Ny to NJ.In my wallet was my XXXX, social security card, students id card and my debit cards.i reported this incident to the police and i was given a police report. A few month after the lost of my wallet some one used my informations to open a credit accounts with capital one bank in my name. 
after a few years of non payment the capital one bank sent my informations to debt collectors and i was sent for collections.i called them to tell them it wasnt my account.i even mailled them my police report but still they refused to correct the my file.and this is hurting my credit.and also i was a victim of equifax identity fraud
Consumer complaint received 2022-09-18
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)

XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.