davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-12
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. (FL)

I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.
Consumer complaint received 2020-12-08
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)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2019-12-13
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. (GA)

Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX   also known as XXXX to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.
Consumer complaint received 2019-12-15
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)

On XX/XX/2019 I became aware of fraudulently opened accounts in my name on my credit report. As advised by an attorney, I immediately filed an FTC Identity Theft Report and a Police Report with the XXXX XXXX Police department. Per the FCRA section 605B, fraudulent information is to be blocked from a consumers credit report with a valid Identity Theft report, an assertion of identity theft, and a request to have these items removed, within 4 days of receipt by the credit bureau. Equifax received my documents on XX/XX/XXXX, and as of today the fraudulent items on my credit report have not been blocked, but Equifax has submitted a 30 day dispute to the credit bureaus which does not follow the FCRA Section 605B. I demand that Equifax follows the law and block these accounts from my credit report.
Consumer complaint received 2019-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OH)

I receive the loan from XXXX  XXXX  for XXXX and I have made one payment of XXXX on XX/XX/XXXX. I thought the payment would be once a month not once a week, I called and asked how much of my payment went to the principle of the loan and they informed me only XXXX cents each week goes to the principle. I ask how much to pay off the loan then I was informed that it would XXXX plus on XXXX and only XXXX cents applied toward the principle. I understand these loans are high interest loan but at this rate i can never pay this loan off oh the {$140.00} has a term of 52 weeks I needed the money to pay some utilities and but I never expected to be gauged like this. The customer service people are foreign and hard to understand very evasive in answering certain questions.
Consumer complaint received 2019-12-13
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. (FL)

For 3 months equifax has failed to conduct a thorough investigation. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an investigation that failed to review any of the documents and allowed the creditor to continuously change the delinquency dates. As I filed CFPB complaints Equifax did not review what was stated in the complaints and kept throwing the account in dispute as balance being disputed which was incorrect. I have over 25 recorded calls of representatives and supervisors disconnecting the call on me, cold transferring my call without notice, discussing information in my file without verifying me first and denying my right to be transferred or speak to a supervisor. The last credit report I received from Equifax on XX/XX/2019 stated the account was updated as pays as agreed and all late charges were deleted. On XX/XX/2019 I received notification that I had a new charge off listed on my report. Equifax made modifications on the report to again reflect charge off with no notice to myself. There were no open disputes on file and all disputes in regards to the acct had been cancelled as of XX/XX/19. They have made SEVERAL FCRA violations. My credit score has been affecting as it is reporting I had a deliquency reported a month ago but this account was reported as a delinquency 6 years ago.1. CRA failed to conduct a proper investigation and follow dispute guidelines2. Failure to notify myself with the new negative credit information.3. CRA is reporting an old debt as new by manipulating delinquency dates to list account as first being reported as a charge off in 2019.4. CRA’s are obliged to correct or delete inaccurate information within 30 days and failed to do so5. CRA continued to report a debt as charged off when it was settled or paid.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I filed a complaint on XX/XX/2021 and have yet to hear from the company. Citi Visa has not paid me what is owed to me, as I made a balance transfer of funds, to pay my account in full, but they owe me {$140.00} and change. I am still waiting for the check They made the choice, on their own, to close out my Costco Account. I have made attempts, to clear up their misconstrued account of events, but they don't listen. 

I want my money. They know they owe me, but won't pay, even though they have been paid in full. I paid them {$1500.00} when I actually owed them {$1300.00}. I could not find out what I did owe, as they closed out my internet access to my account. 
So, now they just let that sit until it reaches {$1500.00} ... and not pay me the difference. 

A bad company to do business with. No customer service, you can't get a live person on the phone. Citi Visa.. don't do business with them.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

There is a collection on our credit reports that is not ours. PCS ( Pacific Credit Services is  not my account. Account # XXXX {$1700.00}. I have tried to get copy of any signed agreement proving the debt and have not received a response. I have also tried disputing with the credit bureaus.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch (IA)

XXXX XXXX XXXX is taking me to small claims court, declaring they are acting on behalf of Crown Asset Management to collect on a debt sold to them by XXXX XXXX in XX/XX/XXXX. This was XXXX account by XXXX XXXX. On XX/XX/XXXX, I was served with papers to appear in Small Claims Court for this debt. They falsely stated on the filing, THAT I WAS NOT DISABLED, which is not correct, as I have been on disability since XX/XX/XXXX. If they were truly representing Crown Asset Management, they would know this because I talked to them in XX/XX/XXXX when I cashed out my Pension and gave all my creditors something. You will see a reference to this account in prior CFPB Case XXXX, where I had paid XXXX XXXX {$750.00} on acct sold to Crown, but they did not want to credit my money. That was my entire pension. I only get XXXX   and I have a ten year old car with a check engine light on it. I am supposed to go to a hearing in court on XX/XX/XXXX in small claims court. I guess my only recourse is to try to file for an Exemption for my XXXX and Car. This is extremely frightening to me as I gave my creditors my entire pension in XX/XX/XXXX and have nothing left. Why do they have to harass me further?
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NM)

Dear Sir or Madam, My complaint is about XXXX creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ Reference # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to XXXX after DENIAL letter I wrote to XXXX XXXX XXXX. On XX/XX/XXXX XXXX [ Reference # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from XXXX ( XXXX dated the letter XX/XX/XXXX ) harassing me about the same debt. If XXXX believes they want to take legal action against the XXXX of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and XXXX collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

XXXX XXXX NEED TO REMOVE THE ACCOUNT IN MY CFREDIT REPORT. ITS MORE THAN SEVEN YEARS, INSTED THEY REPORTED LIKE A NEW ACCUNT TO EQUIFAX. THIS IS AN ILEGAL ACTION
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

For several days, I have attempted to make a payment for a statement balance on my Citibank/AAdvantage Mastercard. Every time I have tried to make this payment on the Citibank website, it refuses to process the payment saying the payment is " out of the allowable date range, '' even though my statement is currently due. ( A screenshot of the error message and overall problem is attached to this complaint. ) Yesterday, I engaged in a text chat with a Citibank representative in an attempt to resolve the situation, but they could not correct it. I have also tried to call several times, but have given up due to excessive wait times. 

I would like Citibank to remedy this problem as soon as possible, and in no event later than my payment due date.
Consumer complaint received 2019-08-21
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. (PA)

i have problem with Equifax Credit Bereau. EQUIFAX reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX  messages to my mobile harrassing me by calling from unknown numbers . this is because of EQUIFAX sending and sharing my information to other parties. and equifax showing falsify information on my credit report beacuse of that iam paying XXXX APR every month. i have been paid XXXX interest in just two years because of EQUIFAX falsify credit report. iam going to file a law suit against Equifax. we are struggling her becuase of Equifax. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of Equifax.
Consumer complaint received 2019-02-07
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2016, Wells Fargo dealer services put on our credit report that we owe them {$10000.00} and wrote it off the reason for the collection, was because they refused to work with us to catch up on the payments after I was hospitalized. We agreed to have them pick up vehicle, before they picked it up I had my mechanic inspect it from top to bottom to make sure everything was in perfect working order and there was no damage to the vehicle. They then called my insurance company a week later and tried to make a claim. Telling my insurance company that the rear quarter was destroyed on the vehicle, which was not true and the insurance company refuse to pay because they damage the vehicle. At that point in time when they said they were going to write it off I never expected to see it on my credit report because the damage was done by them and they are responsible at that point. I could not sell the vehicle for a reasonable amount of money because of the damage that was there I believe the law should have been on them not on me. When I tried to dispute it the only thing they did was say that it was correct. No explanation on why it was correct, no explanation on why they did not take responsibility for the damage. And the only thing on my credit report that I put on there was that I disagreed, but I actually gave the whole story to be put on my credit report and they never did that. At this point in time it has destroyed my credit for the last 2 years. And I do believe that wellsfargodealerservices should pay me for the destruction of my credit when it was actually their fault.
Consumer complaint received 2020-08-18
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. (GA)

Equifax continues to report an collection account that is a result of fraud. If they had accurately investigated my dispute claim then the account would have been removed after the first dispute I initiated. Equifax validates the collection without doing the due diligence that they are suppose to and that has resulted in the XXXX XXXX collection showing on my credit report since XX/XX/2016. I have never had insurance through XXXX and Equifax refuses to do anything to help me remove this fraudulent collection.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (VA)

Suntrust is unjustifiably withholding a promised promotional reward that I earned. Pursuant to Suntrust 's promotion " Advantage Checking Online Reward Q2 2019 ), I fulfilled all the criteria for the advertised {$500.00} bonus. Specifically, I've maintained a {$100000.00} balance with Suntrust for well over the required 90 days ( from XX/XX/2019 to present ). The 90-day period was satisfied as of XX/XX/2019. The 8-week processing period elapsed XX/XX/2019. In an online chat, Suntrust 's Customer Service representative confirmed that I met all the criteria to receive the {$500.00} bonus. A transcript of that chat is attached.