davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, Transunion, and XXXX to resolve this matter.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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. (NC)

I am disputing fraudulent accounts on my credit report. This accounts were opened in XXXX  when the Equifax breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and Equifax and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.
Consumer complaint received 2022-09-01
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 far credit reporting act " XXXX XXXX '', has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time at the consumers location ;
Consumer complaint received 2022-09-01
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. (SC)

XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MI)

I am a Chase Sapphire credit card customer in good standing. 

On XX/XX/XXXX I booked the following tickets on Chase Travel site : Itinerary # XXXX - XXXX to XXXX ( XXXX XXXX ) I used XXXX XXXX to pay for it. 
Itinerary # XXXX- XXXX to XXXX ( Alaska XXXX ) I used XXXX XXXX to pay for it. 

In XX/XX/XXXX, these flights were canceled because of Covid-19 pandemic. 
XXXX XXXX and XXXX  XXXX issued airline credits for the above flights. 

XXXX XXXX credit {$310.00} ; Issued for itinerary # XXXX XXXX  XXXX credit {$210.00} ; Issued for itinerary # XXXX I was informed that the XXXX XXXX credit was valid till XX/XX/XXXX Refer to Screen Shot XXXX at XXXX PM attachment - the Chase rewards website also displayed the same. 

On XX/XX/XXXX I called Chase travel to use the airline credit, they told me a different story. 
XXXX XXXX the agent supervisor ) informed me that the credit had already expired in XX/XX/XXXX and I can not use it. 
The case number S # XXXX XX/XX/XXXX at XXXX PM I have a recording of this call too. 

Furthermore, I noticed that Chase has fraudulently changed the expiration date of the XXXX XXXX credit to XX/XX/XXXX. 
Refer to screenshotScreen Shot XXXX at XXXX PM The company is not allowing me to use the credit at all now. They claim that the credit has already expired even though the site still shows ( even after the fraudulent change ) XX/XX/XXXX as the expiration. 
Backdating expiration dates should be illegal. Imagine mortgage companies backdating your mortgage payment date...
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (TX)

Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from Elevate Recoveries LLC, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXXXX XXXX Hospital and/or give them authority to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) : 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
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. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-01-09
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. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that Equifax provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my equifax credit report. All 4 times Equifax responded that XXXX XXXX provided them with such information. I then ask XXXX whether they provided Equifax with a method of verification and XXXX does not have any record of a bankruptcy on my report. I then requested that Equifax removed the inaccurate bankruptcy on my report and Equifax refuses to do so. Per the Fair Credit Reporting Act Equifax has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to XXXX and Equifax and request that XXXX dispute that they verified a bankruptcy to Equifax.
Consumer complaint received 2022-08-31
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. (MD)

My name is XXXX 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 2022-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX an unauthorized withdrawal of {$1000.00} was attempted from my checking account. Because balance in account was low, the withdrawal was declined. On XX/XX/XXXX I visited the bank to close this account and alert bank to fraudulent activity. The bank employee put a " hold '' and " watch '' on this account so as not to disrupt my ss deposit on XX/XX/XXXX. I also opened a new checking account. 
A second attempt at a {$1000.00} withdrawal occurred on XX/XX/XXXX and was successful. 
I visited the bank on XX/XX/XXXX and closed both checking accounts and a savings account. 
The company attempting to steal from my account is COINBASE with headquarters in XXXX XXXX, CA. 
When I called the company number XXXX to shut down my account ( XX/XX/XXXX ) the person I spoke to ( XXXX XXXX ), requested that I load software to my computer so he could remotely access my computer. Why would he need access to my computer to shut down my account???? Permission was not granted and I disconnected conversation. 
I have notified COINBASE via letter dated XX/XX/XXXX to close my account. 
This person also called my cellular provider and changed my account to a different provider, and I could no longer use my cell phone. 
This security breach has been an ongoing nightmare.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

XXXX LOANCARE services my mortgage. 
1. ). I have an escrow account with LOANCARE from which my insurance and real estate taxes are paid. 
2. ) Issue which I have repeatedly since XX/XX/2022 through XX/XX/XXXX have tried to remedy through phone calls, uploaded actual property tax bill and letters, have failed to CORRECT THE REAL ESTATE TAX AMOUNT FOR THE SECOND INSTALLMENT OF MY TAXES WHICH IS {$1400.00} and NOT the {$4800.00} which they have listed! 
3. ) LoanCares XXXX XXXX XXXX refuses to finish a requested updated escrow analysis that would refund me the several XXXX dollars extra in my escrow account. She also has stated inaccurate information about the XXXX XXXX XXXX XXXX who handles my property taxes and assured me that my actual tax bill was correct. XXXX XXXX insists are keeping the amount Im paying into escrow each month at the same amount. Although she did refund me {$3200.00} from my escrow the account has an overage that is beyond reason. 
In conclusion, LOANCARE should correct my online portal information regarding my actual amount of my second installment of taxes and if possible, do an updated escrow analysis
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello Sir/Madam, From my Bank of America checking account end at XXXX, I made a wire transfer USD XXXX to my wife XXXX XXXX  account on XX/XX/2023. The XXXX  charged me USD XXXX for transaction fee to make the transfer in 3 business days. Until today ( XX/XX/2023 ), there is no shown in my wife XXXX bank accounts. 

At the same time, we made a call to XXXX XXXX  and XXXX XXXX  said there is no wire transfer. So I called to Bank of America Customer service and they said the charge is still in process but no further update. We asked them to solve the issue immediately.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (VA)

I was under the COVID relief hardship program and was approved for a loan modification. Flagstar Bank sent me XXXX packages, in each package, there were XXXX copies of a Modification Agreement. 2 for us to send back, 1 for our records. The 2 copies were to be notarized and sent back which I did, however, Flagstar is now claiming they never received the documents and that I now need to reapply for a new loan modification. I believe they are doing this being they no longer want to honor the new rate of 2.875 %, my original rate was 3.875 %. 

Flagstar Bank claims to have sent ONLY 2 packages- on XXXX, XXXX, 2022 ( tracking # : XXXX ) and XX/XX/2022 ( tracking # : XXXX ). However, if you refer to the image ( XXXX XXXX ), you can clearly see they are disorganized and tried sending a total of XXXX packages. Images ( XXXX XXXX & XXXX ) clearly show they created a package to ship to me on XX/XX/2022, however it was never dropped off. They also sent a package on XX/XX/2022 ( tracking # : XXXX ) which was delivered back to them on XX/XX/2022 and signed by employee ( XXXX XXXX at XXXX hrs ), images ( XXXX XXXX & XXXX ). 

Flagstar Bank has no records of the XX/XX/2022 package being sent back. In fact, they claim that tracking number is not even in their system. I have provided tracking numbers of both packages that were delivered to me on XX/XX/2022 and XX/XX/2022, both being shipped back and delivered on XX/XX/2022 ( tracking # XXXX : XXXX & XXXX ). Both packages were received and signed for by an employee named XXXX XXXX on Monday, XX/XX/2022 at XXXX hours. 

Flagstar also claims that my package was incomplete hence why they cant apply my loan modification. However, I was never notified of this until I called in. In addition, if claims of one of my packages being incomplete are true, why did they not use the second package I sent it on the same day, which was confirmed to be delivered AND signed for. I sent the documents in a timely manner and have made all my payments during the trial period. 

Flagstar is making me apply for another loan modification even though they received my packages which were signed for ( XXXX XXXX ). I believe they are using the same tactics from years prior which resulted in action from the CFPB in order to correct it. 

I believe its unfair that Im being penalized if they have received my loan modifications. Thank you for taking time to read this.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I moved back to the US after living XXXX  for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX  XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. 

I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. 

In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.