davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I experience the worst customer service ever. I have never receive such degrading, belittling, discriminating service. I called today regarding 2 fees I received and tried to explain t the rep and manager XXXX XXXX that I check my account yesterday and it was not negative. When speaking to the rep I was advised this was due to the charges processing and this is not reflected on line. However once escalated, XXXX XXXX basically told me I was a liar and I NO system at BOA EVER has glitches. I admit this statement made me very irate as I hate for someone to lie. I was told by my co workers who are a different race they call ALL the time and our granted fees with no hesitation however I was treated poorly. I understand that my account is a non factor as I am aware I don't keep a lot of funds in this account however I have been a loyal customer and expect to at least be treated fair. For your rep to basically call me a liar after I offered proof is not only disappointing but unacceptable and confirms the discrimination I received. The only reason I decided not to close my account at this moment is due to me providing my account number for a huge deposit I am anticipating. However, I have sent the company an email requesting to change my information. In addition, I will be reaching out to anyone I know BOA has no integrity. XXXX should not be representing your company unless this is what your company is
Consumer complaint received 2021-12-08
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. (DE)

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " XXXX XXXX '' ) XXXX XXXX. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to XXXX. XXXX 2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and reflected as current in XXXX 2021. The discrepancies continued, where XXXX reflected 30 days late and XXXX 2021 as 60 days late. Then current in XXXX and back to 30 days late in XX/XX/2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. XXXX XXXX XXXX was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and again on XXXX XXXX, 2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to negative all in XXXX.
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (IN)

Midwest recovery Systems has tried multiple times to collect on medical bills that were paid-in-full back in 2014. Last fall I initiated a dispute through CFBP which resulted in Midwest Recovery Systems responding that the debt was invalid and all reporting agencies would be notified. See attached copy of report in the CFBP system. Now Midwest Recovery Systems is again trying to collect this same debt that they acknowledged was invalid. This really is unethical and needs to permanently stop. Please help.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc. (OK)

The issue is at this point I can not get a copy of my report, even though it was requested. The report was completed today XX/XX/2023 ( which I don't understand how because I just completed the drug screening yesterday and that is supposed to be in the report as well. ) When I log into the XXXX XXXX, the background report is there. When I click on it says " retrieval error, '' and does not open- so I have no access to the report. 

Now prior to this, XXXX did not send me the information for the background check or the drug screen after I was pushed through by the company to move forward. 
I reached out to the company and was told I did not respond to their email and they have confirmation they sent the email. I advised the XXXX that is incorrect. I had to call Sterling several times ( about XXXX or so ), Sterling even told me that the person at XXXX probably did not know the correct info or didn't know where to look or something to that effect- not exact words, so I told the XXXX and she says she does have access and they told them I did not respond. When I called back, the XXXX rep said they had not received anything from the company I applied with for me to have a background check or drug screen which is because they probably made an error in registering me. So the company XXXX told me to call the hotline for help with their company and I left a message, but I called XXXX back. I received a voicemail ( which was transcribed in my phone ) from XXXX admitting they did not send it because she could not find it in the system that they sent it. They need to tell the company I applied with they made this horrible mistake because I could have lost out on this position due to their errors and it makes me look distrustful. 

Currently, where I am, I can not get a copy of my background report and no one there is telling me why it gives me a retrieval error. I called and talked to about XXXX people and then I asked XXXX for a supervisor and he transferred me to someone I spoke to earlier, XXXX, and he was not a supervisor. I don't appreciate this. I am currently waiting for XXXX whom I was told is a supervisor. XXXX transferred me to XXXX, who told me I should get the report today even though I told him the email said XXXX hours. XXXX said the drug screen was on it as well. 
At this point I am waiting to see the background so that I can make sure there were no other mistakes made.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have dates, Times /Names. police report file day of fraud HAVE TIME DATE/ PERSONS CONTACTED at Citizens Bank credit card dept names dates & Time & phone # s from XXXX TECH team that originated the FRAUD from my XXXX XXXX XXXX Need physical form to complete & Send back certified mail I HAVE PAGES OF DATA SUPPORTING THIS CLAIM i WOULD LIKE TO SEND VIA CERTIFIED MAIL OR fax FORR ATTACHMET IN SUPPORT OF THIS VALID FRAUD CLAIM
Consumer complaint received 2023-09-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00}
Consumer complaint received 2023-09-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
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 (GA)

My late father took out the loan from some company advertised on TV, they then sold it to homepoint financial, who upon my Father 's XXXX refused to honor a policy which would have paid the loan off at his XXXX They sold to freedom mortgage. My late father 's will was lost, I am the only heir, I could not afford to get the house in my name. I submitted all the paperwork they asked for and was told I was a party of interest, then they renegade on that. I got homeowners insurance, submitted the paperwork, they said thank you. Turned around and said I didn't have any got an insurance company that I pay the premium on but they get the money, the last claim I had they kept part of the money. I had to pay out of pocket. and issued the check in my late father 's name. I have been out of work for 7 months due to XXXX and XXXX  and they refuse to issue a forbearance because I am not a person of interest, they have continually given me the run around, they want this house.
Consumer complaint received 2023-09-28
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. (NJ)

Name- XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX. 
DOB- XX/XX/1993 SSN- XXXX On XX/XX/XXXX i received my updated credit report from Equifax and noticed multiple discrepancies. I had previously sent them a letter letting them know some unauthorized and inaccurate accounts reporting on my credit profile, however nothing has changed. 

I'm afraid the inaccurate information on my profile is holding me back getting approved for a house for my family. 

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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX CREDIT CARD OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX  XXXX AND EQUAFAX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (TX)

I have been notified by XXXX XXXX XXXX that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and XXXX XXXX and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.
Consumer complaint received 2023-09-26
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. (TX)

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.

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have sent a request to XXXX, Equifax and XXXX to remove the old previous address on my credit file along with my current proof of address ( copy of current utility bill and drivers license. 
Dates sent to all three bureaus ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
I have also, called and spoke with a representative that stated I'd get a letter once removed and she cant remove my telephone. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 we tried to use our credit card out of the country to find out it was closed. Called Capital One XX/XX/XXXX and was told that " I had called to request a new credit card, but could not provide all the information required, so it was requested by the called to be closed ''. I did not make any phone call for my account to be closed. Capital One closed my account because someone phoned in and could not provide all the security questions and requested to close the account. 

Without actually verifying that the person trying to close the account was the actual owner of the account, they closed it without any security checks or diligence on their part. 

Called back on XX/XX/2019 because the account had $ 150+ dollars in rewards earned, but they were unable to help. They also verified per. voice recordings that the person who called to close the account was indeed not me ( owner of the account ). 

Although there is fault in their security and fraud protection I am still penalized for their inability to protect their customers.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I was scared and paid the settlement amount today on XX/XX/XXXX with XXXX XXXX XXXX XXXX, For the amount of XXXX on my card, They said i owed the back from XX/XX/XXXX XXXX and threaten to take a law suit out on my. They sent me a email to sign and sent me a confirmation for payment paid in full. There number is XXXX. I am so angry as i am seeing this is a scam to pay old debts and i don't remember having this with 5th third bank. I told the gentleman that i thought i had settled it with them as it was fraud and no one has contacted e and not on my credit report. He insisted they have contacted me at an address i lived in 8 plus years ago. I don't know what to do now.
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2019 my husband and I selected and began the lease process for a XXXX XXXXXXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. We were told the lease had been approved, the dealership changed our auto insurance over to the new car, removed all of our property from the vehicle, removed toll stickers etc. 

I was told they had to simply verify my social security number and then the salesman would come over to put on new tags etc. We were told it was approved many times before and while we removed our belongings. 

Two days later we received calls that told us they were unable to approve the lease. My husband is devastated! We told our family and friends about the new vehicle. showed pictures etc as we were promised and guaranteed it was approved. We were told by the dealership that it was based on Infiniti Financial services decision and there was nothing they could do about it. 

We now have to return the car to them and take back our old car, change insurance over, get new toll stickers and security bar codes etc. 

This is unfair, we have no explanation other than they could not verify my social security number which is ridiculous. It is very easy to verify this and I offered to bring any and all information.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-05-29
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. (LA)

ON XX/XX/19 I disputed the XXXX  XXXX XXXX account with Transunion because the account contained two violations. I stated that the open date on this account was inaccurate. It is a collection account but it is reporting a past due balance which is also a violation. Transunion re-investigated the account and did not delete it per my request. They didnt even update it so clearly the account was never re-investigated. Transunion is in violation of the FCRA.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On or about XX/XX/2019 I received a phone call from the Branch Manager of the Citizen 's Bank who informed me that there was suspicious activity on the joint account that I share with my son who is a full-time student away from home. She asked if I was aware of several check deposits that had been made and indicated that the bank was aware of certain scams that ask for bank info when signing up for apps or loans over the internet. I was unfamiliar with these scams and had not recently attempted to sign up for a new app or credit card or apply for a loan. We called my son who also stated he was unaware of the recent deposits, had not signed up for a new app nor applied for a loan. The Branch Manager stated that copies of the fraudulent checks would be sent to me and that the account would be suspended while they investigated further. At no time did she direct me to call to make a fraud claim or indicate that the account was accruing fees. By XXXX, I was receiving letters from Citizen 's stating that the account was overdrawn by {$300.00} and that fees would continue to accrue until paid. Further, this account was referred to collections. When I tried to reach the Branch Manager again, I was told she no longer worked there. I met with the Interim Manager who called on-line services and told me that, even though the checks were not made out to me or written by me, I would be responsible for this debt because they were mobile deposits.