davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

I put XXXX purchases on Citi 's Flex Plan, which allows you to pay off certain purchases over a period of time for a fee. When my XXXX statement arrived, I called Citi to confirm what amount I needed to pay to avoid incurring interest charges. I was told the wrong amount.

It would be helpful if the Citi statement clearly identified what amount needs to be paid to avoid incurring interest but it doesn't. 
When the XXXX statement arrived, I saw that I had incurred {$68.00} in interest charges. So I called Citi and explained to them that they had informed me of the wrong amount. They removed that charge and clarified what XXXX numbers I had to pay to avoid incurring interest. I then paid the XXXX statement in accordance with their instructions on XX/XX/XXXX ( though it was due XX/XX/24 ). 
I just received my XXXX statement and it includes {$47.00} in interest charges. I called to ask why this was incurred, and was told it is because I had not paid the XXXX statement in full. I explained that the reason I had not paid the XXXX statement in full is because I was misinformed about the amount due, as evidenced by them removing the charge on the XXXX statement. They said they can only remove interest once. So I want my {$47.00} but what's more important is Citi should clearly identify the amount due to avoid paying interest.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-10-31
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX CXXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXXXXXX My only name is XXXX XXXX. Please remove any other name you have for me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX My only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Your system must remove any address that does not match the one listed on this letter.
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (MD)

I looked at my credit report on XX/XX/year> and I noticed some hard inquiries that do not have permissible purpose. I have attached the following inquiries below : XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.
Consumer complaint received 2020-07-05
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: MOHELA (GA)

XXXX, XXXX  XXXX  and Mohela  are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NE)

XXXX, XX/XX/XXXX -- ONGOING Amount- {$2200.00} Companies Involved : XXXX XXXX and Revco Solutions What happened : I have tried repeatedly to get this debt resolved with XXXX XXXX with numerous phone calls, all of which I have documented. XXXX ASSURED me every time I called that as long as I was making payments, ( which I was ) that the account would NOT be sent to collections. In addition, I requested of XXXX that a note be placed on my account, that I would try to pay this in full in XX/XX/XXXX. The person from XXXX who told me it would not go to collections per a phone call on XX/XX/XXXX, and put me on a payment plan was named XXXX. When I called XXXX XXXX back on XX/XX/XXXX to follow up on the account status, I was told that XXXX XXXX " no longer has access '' to my account. Since I had been calling and making installment payments on the account, this made no sense to me. At my request, my call was forwarded to a supervisor with XXXX XXXX, who got on the line with Revco Solutions and me. Although XXXX claims otherwise, XXXX NEVER notified me that this account had been sent to collections. On a separate but related note, I also received a letter from a company called XXXX ( who said they were writing on behalf of XXXX XXXX ) that my personal information may have been compromised, which is also very concerning. 
I have since mailed a certified letter to both XXXX XXXX and Revco Solutions. I mailed the letter on XX/XX/XXXX. My letter to XXXX proposes that they validate the debt within 30 days or pull it back from collections. My letter to Revco Solutions offers a pay-for-delete agreement. I have attached copies of my letters, as well as all other related paperwork that I could attach. 
I am still waiting on responses from XXXX and Revco. 

This matter is causing me a great deal of stress, as I have told both companies repeatedly that due to our financial circumstances, I am unable to pay the account balance in full. In addition, I do not qualify for the hospital 's financial assistance program. 
ANY assistance with this matter is GREATLY appreciated. I do not want my credit score to be ruined because of this one account. I am a very responsible person, and I always pay any debt that I owe. 

Sincerely, XXXX XXXX cell XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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. (TX)

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 EQUIFAX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX XXXX XXXX TYPE OF BUSINESS BANK DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX  XXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX XXXX
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (SC)

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It  appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020.
Consumer complaint received 2024-10-23
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. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (CT)

I have spent countless hours with US Bank trying to resolve numerous issues including having them correct my name, send my mail to the correct address, addressing them taking me off a forbearance ( their error ), and having to rectify my payment being spread over several months and instead they applied it all to my principle despite me being extremely clear where to apply it. They have, after hours upon hours on the phone have resolved all the issue except my name and mailing address are incorrect. I would ask that you please ask them for a copy of all of the phone calls I have made to them over the past year. This is causing my severe emotional distress. I need help in getting these basic requests fulfilled.
Consumer complaint received 2022-02-04
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. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-10-30
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)

XXXXm positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to formally request the removal of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following accounts : Accounts to be Deleted : XXXX & XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$590.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$600.00} Additionally, I request the removal of the following inquiries : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (OK)

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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly 100 points. I called The Money Source ( TMS ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. TMS rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending SBA loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the TMS staff. This is not the first time that TMS has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the COVID-10 Cares Act forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called TMS and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from TMS rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a COVID-19 forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called TMS that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through COVID-19 and all its physical, emotional, and financial traumas, along with TMS bungling mistakes that TMS obviously does not take seriously enough to make sure they read our files before making decisions. The Cares Act forbearance plan is to help deal with COVID-19 ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our SBA loan to be denied, we will have no other choice than to take legal action against TMS.
Consumer complaint received 2024-10-31
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)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: STERLING BANCORP (CA)

My husband ( XXXX XXXX ) is having a problem closing his account with XXXX  ( a high yield savings account with Sterling National Bank ). He called them this Tuesday ( XX/XX/XXXX ) to formally request an account closure and full ACH transfer of the account contents. Today ( XX/XX/XXXX ), they told us the the request have been neglected. We need this money ( for a downpayment ) and they are unwilling to compromise and expedite this.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NY)

XXXX XXXX XXXX took a payment from the wrong account. I immediately saw it, even signed up for overdraft alerts and texts and never got anything. Luckily I was checking something and saw the overdraft and just switched money to the account, no big deal. XX/XX/15 {$38.00} overdraft fee which overdraft me again, moved more money and was told I will probably get hit with a fee again and that you should keep more money in your account so this doesnt happen.