davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Company : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX is maliciously and fraudulently reporting a XXXX day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX  XXXX, and Equifax reports all show a XXXX  day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this XXXX day entry. Letter correspondence was sent in XX/XX/XXXX, again XXXX  days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know XXXX is inaccurate ( XXXX ) XXXX. Failure to conduct a reasonable investigation of a dispute ( XXXX ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the XXXX  days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (NY)

I have answered phone calls and received texts looking for someone who owes a debt I have asked twice now to have my phone number removed and to stop calling me. Both times the gentlemen were rude and kept asking how to get a hold of this person. I am not the person so I wouldnt know.
Consumer complaint received 2021-06-21
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. (GA)

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 60 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 be deleted immediately or I will file for litigation due to the stress 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 2021-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXX XXXX  I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Act Name : Affirm, XXXX Act Name : XXXX, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, 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. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TN)

I recently receive a letter from a third party collection agency that was given my information by Suntrust Bank. Suntrust closed the account XXXX XXXX. The balance owed is XXXX. I am completely unaware of any charges or transactions in the amount of XXXX. I called Suntrust Bank on XX/XX/XXXX and XX/XX/XXXX to rectify the problem. After speaking with several representatives and departments I was told that they could not see my transactions in their system, however they requested that I pay the balanced owed. As of today, I have not been able to resolve this matter with the bank because of the lack of information they have to provide. I would like answers pertaining to my account and the last few transactions that lead to an inaccurate balance.
Consumer complaint received 2020-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2017, Capital One Bank added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Capital One Bank did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. Although the collection was paid in full, a bill without a signature does not validate the debt and anybody can send a bill and say it is mines. According to FCRA, Capital One Bank has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (GA)

This guy keeps calling my phone with the name XXXX XXXX. At first he was leaving me very vague voicemails saying to call him back. After multiple times calling, I picked up the phone and he stated he was calling about a recent XXXX  despute and refused to tell me any more information about the dispute and where so I hung up. He did keep calling for multiple weeks, I finally picked up and ask for him to stop calling. At this time I looked up his number on XXXX and realized he was a debt collector from quality recovery services which after checking my credit report I see that they are reporting on XXXX but not XXXX or XXXX. This is not my debt nor can this debt be verified with my wet signature and what they are reporting is fraud, I never seen, heard or delt with this company. May you all please help me with this situation because it's hurting my credit and it's false information. Thank you
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

We have automatic payment due for the XXXX of the month. They took XXXX payment on XX/XX/XXXX and we were in the negative because of it. We called to change the due for XX/XX/XXXX and every month after that. We noticed they took another payment on XX/XX/XXXX and that made it double payments put us in the minus again. We attempted several times to correct it, but they put us on hold for 30 minutes and then kicked us off the line. One of them who did that is XXXX and XXXX. All that because our loan was sold and they dont care anymore, to the point that I can not change anything on line. I have to call for everything. And out of one of these calls, I found out my loan has been sold. So far, I did not receive anything about it and who will receive the next payment. AmeriHome or XXXX.
Consumer complaint received 2023-01-30
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. (VA)

In 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 1681 : Acct Name : 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 Acct Number XXXX 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 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 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and XXXX years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

I have tried to contact my Virginia child support eppicard because my card was hacked and used over seas by someone in XXXX and XXXX and every time I call them they put me on hold for 40-80 minutes and no one answered & Ive called 14 times in 3 days or when I try to call someone picks up and hangs up on me ...! & its foreign transactions & I need help getting my funds back but no chance.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (NY)

Inaccurate and incorrect Inquiries : XACTUS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For 23 of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( 12 ) $ XXXX  monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.
Consumer complaint received 2021-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

hello this is the second attempt trying to correct erroneous and inaccurate information in my credit report I have been disputing for more than 8 months the errors in my credit report and experian has never responded to my disputes the first attempt through this portal It was XX/XX/2021 and they responded that they needed to verify my identity by asking for documents, which I sent them via certified mail everything they asked for and if I responded to the first complaint and even so they did not respond to me, here I leave them all the evidence and what they asked me and what I sent them by certified mail all the documents were received on XX/XX/2021 my full legal name is still wrong, previous address that I never lived there are still on my credit report and, inaccurate negative account so you did not respond you are in violation of the FCRA federal law requires you to respond within 30 days of you receipt of my letter and has now been over that period since you receipt of my letter so you failed to comply with federal regulations by credit reporting agencies are in serious violation of FCRA so you must remove the negative listing disputed
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I have disputed this debt for months directly with the creditor and all three credit bureaus. This debt does not belong to me and a result of me being homeless in California. This is affecting my life and all they provide is contracts with signatures that don't belong to me. 

When you rent an apartment you must provide check stubs, photo ID, and bank statements. They have yet been able to provide me with any of them.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

i made a claim with Citibank according to some fraud charges, this charge was made same location as the one being appeal and previously opened a claim with you guys here a Finacial Protection Bureau, they did open an appeal to re investigate the case on that end, but for some reason one of the charges made to my account was now taken back again from Citibank stating they found no error this transaction was made the same as the other one stated on the previous claim, don't know why Citi banks returning these funds and making my account negative, the transaction was on the same date as the one previously claimed it was made on XXXX XXXX for amount XXXX XXXX it was previously giving to me as a temporary credit but now has been token away making my account negative, in the appeal this also should be added because all other charges made in that city of Las Vegas were all returned to me and were finalized but for some reason this one isn't, don't make sense there were all made same location, and Citibank is failing to do a proper investigation and return me my stolen monies. Please help in this case to hold bank accountable for these mistakes and ensure i get a proper conclusion to all this. 
Transaction Date : XXXX XXXX, 2022 Amount : {$120.00},
Consumer complaint received 2021-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021, I sent a letter to XXXX, TransUnion, and XXXX  to dispute to 2 public record accounts XXXX XXXX XXXX, 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft.

The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).