davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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)

This is my third complaint about Equifax, XXXX, and XXXX for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the XXXX  report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX Acc # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXXXXXX XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the XXXX report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions.

I am factual disputing the accuracy of all these accounts.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX  also failed to authenticate if their credit card holder is authorized to connect to my PNC account. 
PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. 
PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. 
My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. 
I seek your help for my personal cause and the social benefit to prevent fraud.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One unauthorized transcation be made on XX/XX/XXXX, it is a international wire transfer and total amout is {$2400.00}. Called the bank iimmediately on XX/XX/XXXX night and claim a dispute on XX/XX/XXXX. Per branch employee, this is not a fraud or identity theft, it was a system/ operation mistake that bank sent the funds for someone else 's wire transfer request from my account. I was told the funds would be refund within 10 business days and I called the bank and visited the branch couple of times, but no result. It's been XXXX weeks after transcation be made and the funds has not been returned to my account yet.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

In XXXX, I received an invoice from the XXXX XXXX XXXX XXXX in the amount of {$590.00} for cable TV services provided. Because I have not requested such a service, I called the company to find out what was due to that charge and I was told that I could not make the claim by phone, that I should go to an agency. I did so and I was given several invoices at the Agency in which I could notice that the person requesting the service used my name " XXXX XXXX '' with address in XXXX XXXX XXXX XXXX XXXX XXXX. On the above, I would like to clarify the following. Since I arrived in XXXX, I purchased a telephone line with XXXX XXXX XXXX personally but then charged the account of my daughter XXXX XXXX, who is in charge of the payment. I do not fail to say that I do not use any other XXXX XXXX XXXX service for three reasons : the first because I do not have the economic capacity to pay for cable television, second because the Mobile Homes residential where I live requires XXXX  services and they do not allow one to use the services of other companies and third, I have XXXX  years of residing in XXXX, Texas, I do not Therefore, I request to investigate who was the person who requested such a service using a name equal to mine and to clean my name to those who apply.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against Equifax regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

XXXX XXXX XXXX I NEVER LIVED AT THAT ADDRESS, I HAVE NO KNOWLEDGE OF THAT ACCOUNT. THE ADDRESS ATTACHED TO THAT ACCOUNT IS NOT MINE. MY ADDRESS IS XXXX XXXX XXXX, XXXX, MD, XXXX.
Consumer complaint received 2022-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (TX)

Discover bank had frozen my account and tells me to call immediately. Agents are unavailable and wait time is advised at over 2 hours. After THREE hours of waiting the system times out and call is disconnected. This is NOT right and my money is hostage!!
Consumer complaint received 2022-07-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I've received an advertisement from Citibank for a XXXX  Savings account that indicated a bonus of XXXX  XXXX XXXX  XXXX  and 25 % more XXXX  on the credit card that I've already had with Citi if all the terms were met. The terms were to maintain a balance of {$10000.00} for 60 days after the initial deposit period of 30 days, so 90 days totals. The account was opened on XX/XX/22 and the deposit of XXXX has been made to the account as of XX/XX/22. As of XX/XX/22, I still haven't received the XXXX XXXX XXXX  bonus for opening the account. After contacting Citi customer service, I was told that they don't see the promotion under my account ; however, I have been receiving 25 % extra XXXX  on the credit card. There is an error on Citi 's side that they haven't been able to resolve in getting me the XXXX XXXX.
Consumer complaint received 2024-12-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (CA)

I am writing to you to file a complaint against Freedom Mortgage for unnecessaryharassmentabout my mortgage payment.In XXXX, Freedom Mortgage notified customers that they were changing their carrier. I called inquiring as to where to send the XXXX payment ( {$1000.00} and I was instructed to send it to XXXX, their current carrier. I sent the XXXX mortgage payment to XXXX and the check cleared on XX/XX/XXXX. When I received my mortgage statement for XXXX, they notified me that I was late with the XXXX mortgage payment. I have called Freedom Mortgage on several occasions trying to get this resolved, but they continue to tell me I am behind a payment. I live on a fixed income and this incident has affected me emotionally, I am a XXXX XXXX veteran and would like some assistance to get this issue resolved. I can be reached at XXXX or you can contact me via telephone at ( XXXX ) XXXX name is XXXX XXXX XXXX and my loan number is XXXX XXXXXXXX would appreciate any assistance you can give me to get this issue resolved. Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

I recently received a copy of my consumer report from three consumer reporting agencies. 

XXXX, EXPERIAN, XXXX all three of the following are report ( Inaccurate information ) different CREDITORS are listed with different address for the same alleged debt. 

XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EXPERIAN- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX THIS IS A VIOLATION of Fair Credit Reporting Act 15 USC 1681 15 USC 1681a ( 4 ) 15 USC1692d THIS is also DEFAMATION OF MY CHARACTER AS I STATED BEFORE, IF THIS MATTER IS NOT DELETED AND REMOVED I WILL SUE EXPERIAN, XXXX XXXX AND XXXX OF DEFAMATION OF CHARACTER.
Consumer complaint received 2022-02-22
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 XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-09-23
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. (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. 

XXXX Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx 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 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 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management purchased an old disputed debt from somewhere and started to aggressively try to collect on it. They called on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 with multiple calls through out the day to multiple people. They have started contacting my friends, my next of kin, with multiple call attempts through out the day to them, not just me. They have called from known numbers and from " Anonymous '' phone numbers. They have shared private personal financial information with third party about me, and about this old disputed debt. They have violated privacy laws. 

I have submitted complaint # XXXX and XXXX about this matter, but it seems that CFPB is not for protecting me, it is unacceptable. The main point of contestation is that Midland Credit Management representatives called and discussed my debt and the collection efforts with my next of kin. That complaint got lumped together with the other and there was no action or resolution to my satisfaction. The company responded by providing statements from the original lender. That is not what is the issue at hand. Yes, I have had dealings with the XXXX XXXX clothing store credit card. That is not what I was complaining about. The representative from CFPB sent me those and closed out the case after Midland Credit furnished those to CFPB. What about the infraction of federal laws that prohibit aggressive collections tactics, calling several times through out the day?? What about the prohibition of discussion of the matter with third-parties?? My rights have been violated and the only thing I got from CFPB is that Midland Credit dug up some old statements and sent them to CFPB. That is unacceptable. Yes I have had dealings with that clothing store and their credit card, but I disputed the amount owed with them directly when I returned merchandise to XXXX XXXX, and then disputed the amount owed when I was not given credit for refunds for the merchandise and clothing brought back to the store, that is all irrelevant for the complaint here... I am petitioning that CFPB levy fines for the infractions of violating federal law of privacy and the tactics. My friends and family can and will attest to the fact that Midland Credit representatives called and discussed the matter, back in XXXX when I was avoiding their calls and sending cease-and-desist letters. Their representatives violated my privacy and violated federal laws at that time.