davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
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. (NC)

Problem with XXXX, Equifax, and XXXX XXXX. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected XXXX XXXX accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX BANK ACCOUNT NUMBER XXXX This is indeed a Violation of Title XXXX XXXX XXXX. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Consumer complaint received 2018-09-10
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: U.S. BANCORP (CA)

On Thursday, XX/XX/2018 I received a notice on my computer from XXXX XXXX, Then I received a call from XXXX, XXXX. The people that called me truly scared me into thinking that my bank accounts were being compromised and that hackers were in the process of extracting {$6800.00}. This process was going to be happening over a few weeks time and I wouldn't be made aware of this until after it happened. 
I definitely feel extremely foolish. The men talked to me for over 4 hours. Yes, they convinced me to go to XXXX 's and purchase an XXXX XXXX card for {$500.00}. 
Once I had given them the numbers they showed me that my US bank card had been credited back to my account. I feel so foolish as to believe them especially now that I've had a chance to re-evaluate the situation. The next store was XXXX in XXXX 's where I purchased another card for {$500.00} and then the final store was XXXX where I purchased 10 cards for XXXX. I was to give the man the back numbers of the cards and then of course they convinced me that I'd have to go to more and more stores yet by this time I was at the airport and I couldn't do anymore purchases- thank goodness. My family is very unhappy with me. 
I do have all of the receipts : 1- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX for {$500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ... XXXX {$500.00}. 
3rd Store : XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX VCD # XXXX {$1000.00} I did contact US Bank within 2 hours of this happening. I also called XXXX XXXX. 
US Bank said that nothing could be done to help me. I spoke with a friend that told me to contact Consumer Protection Agency. I have contacted the Sheriff 's Dept. and they referred me to file a complaint with the FBI. 
I do not have a call back number for the people that contacted me yet I did receive 15 calls back from the man that had me do this and he wants to send me a check for the XXXX. Yet, he had someone else use his name and the man tried to get all of my banking information, which I did not give to him yet he was able to get onto my laptop. 
However, I hung up on him and he has since called me back over 20 times yet I'm not answering any of his calls. Now his calls come in on No Caller ID. 
I figure that if anyone wants to talk to me that they'll leave a message. 
Is there anything that can be done to help me with this {$2000.00} situation? 
I do understand why US Bank doesn't want to stop the payments because the hackers had already cashed in the XXXX XXXX cards and XXXX XXXX cards. 
This has been really hard on me since I am a widow and I need to feel that I can take care of myself without my family coming down on me rather hard for being so foolish.
Consumer complaint received 2018-09-10
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: JPMORGAN CHASE & CO. (NY)

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX AND THEY TOLD ME THEY WOULD RENT OR ADVERTISE MY TIMESHARE I PAID THEM ON XX/XX/09 XXXX WITH MY CHASE VISA CREDIT CARD. I NEVER RECIEVED A CONTRACT UNTIL XX/XX/09BUT I CALLED BEOFRE I RECIEVED THE CONTRACT TO CANCEL AND I WROTE THEM A LETTER AND THEY NEVER DID AS I REQUESTED AND NEVER RESPOND TO CALLS OR ANYTHING. I BELIEVE THEY ARE A SCAM AND WHEN I LOOKED UP ON THE INTERNET THERE ARE MANY COMPLAINTS ABOUT THIS SAID COMPANY ABOUT JUST TAKING PEOPLES MONEY AND NOT FOLLOWING THROUGH WITH WHAT THEY TELL THEM. PLEASE HELP ME GET MY MONEY BACK I LIVE ON A FIXED INCOME AND MY HUSBAND IS IN A XXXX XXXX. I NEED MY MONEY BACK. THIS HAS BEEN A BATTLE FOR AWHILE NOW. PLEASE HELP ME
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (GA)

Our mortgage has recently been transferred to a scumbag servicer called Statebridge Company. Our mortgage was paid up with a perfect record prior to these people showing up. We had our payment automatically transferred every month from our checking account to the previous servicer, XXXX. There were no problems once they got their act ironed out. 

I have tried to work with Statebridge Co several times and keep getting told that their are fees associated with doing business with them. These XXXX want a XXXX dollar fee for me to pay a XXXX dollar mortgage payment. Yes I did not mis type that. 

Furthermore, the agent I just talked to, advised me that there was a balance of XXXX dollars on my account. That is impossible as I am only 2 or 3 payments behind. How do they get XXXX dollars when it should XXXX. The agent then tells me that a XXXX dollar fee was attached by XXXX. That has to be a lie. The mortgage was paid up and current when these XXXX XXXX took it over. 

When I asked for a supervisor, I was told by the XXXX  agent, who clearly had no concern for my issue, that a supervisor was not available. 

What is most concerning is that this outfit has me 2 or 3 payments behind by their own act. I tend to believe that they are set up to use foreclosure to steal property from the public. 

Please assist me with getting my mortgage straightened out. I am on a limited income and can not afford to toss money around to every mortgage XXXX that shows up on my phone line.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, I XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized CURACAO Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (RI)

I had a loan with my former domestic partner with First Home Mortgage. After the dissolution, I purchased the home from XXXX XXXX in XX/XX/XXXX. We had a joint mortgage through First Home Mortgage. We had money in escrow when the load was paid off and became inactive. The company sent us a check and put the wrong name for me. Instead of XXXX XXXX. The name on the check was XXXX XXXX, which we couldn't cash. I called the company in XXXX of XXXX and asked for another check in the correct name. I have called numerous times since then and I was promised it's being expedited. It is now XX/XX/XXXX. And still NO CHECK. I'm filing a complaint because I don't know what else to do. XXXX XXXX. Home address is XXXX XXXX XXXX, XXXX, RI XXXX inactive, paid off, transferred. 
XXXX ID - locate loan First. home mortgage Account XXXX XXXX
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

In XXXX of XXXX, I was hornswoggled into a dubious and predatory loan by a XXXX dealership in XXXX XXXX, NJ ; in conjunction with Credit Acceptance Corp. Unbeknownst to me, they surreptitiously added several thousands of dollars to the loan that was granted to me, under the guise of an " extended warranty '' for a base model XXXX XXXX XXXX XXXX with close to XXXX miles. 

The initial purchase price of the vehicle was {$8800.00}, with monthly payments of {$370.00}. For more than 2 years, I steadfastly made timely payments, but the balance almost remained the same. From what I gathered, my interest rate was over 24 %, which explained why I could not pay down the principal, even though I tried. This duplicitous contract took it's toll on me financially and left me almost impecunious. Out of exasperation, I was forced to have a voluntary repossession. It would have taken me about 15 years to pay-off the car, and perhaps, paid XXXX times the price of the car! 

Ultimately, after repossession, the vehicle was sold at an auction, without any prior notice to me. The date, time or location was never communicated to me. This totally negates New Jersey statute that stipulates that a lender must give at least 15 days prior notice to the Lendee, in the event of an auction. 

Credit Acceptance Corp. sent me a current balance of {$13000.00} and has also reported to the major credit bureaus as purportedly owed by me, after the car was sold. This subterfuge needs to end! 

I would like to partake in the class action lawsuit to, first and foremost, have my default status expunged from the credit bereaus ; and be recompensed for this finagling and underhanded contract.
Consumer complaint received 2018-09-10
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. (NY)

I most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Evans Law Associates, P.C. (GA)

Evans Law Associates ( XXXX ) called my cellphone XX/XX/2015 and left a voicemail. Then they called my mother-in-law and demanded that she give them my contact information. When I returned the call on the afternoon of XX/XX/2015, I first spoke with XXXX/XXXX. He became upset with me when I told him I had XXXX their number and learned they were in bad standing with the XXXX. He transferred me to a " director '' who said his name too fast to catch. As soon as I mentioned the XXXX to him, he became enraged with me. He told me several times that he would file a lawsuit against me. When he told me I owed $ XXXX instead of {$6800.00}, I told him I would not pay the difference. He told me that if I would not listen to him, then " maybe I would listen to the judge instead ''. Also during the conversation I told him I was a legal secretary so I understood how lawsuits worked. He would then ask me questions and say " okay Little Miss Legal Secretary, if that is what you really are, what will happen ''. He was very rude, bordering on hateful. He told me I was not a lady and he did not have to treat me like XXXX. He told me they would not work with me and accept what I can afford each month. When I inquired about receiving a XXXX if I settled with them, he told me they never send out XXXX. He was very condescending the entire time. He hung up on me XXXX times. I made a point to call him back each time to clear up this matter. When I called back the XXXX time, he picked up the phone himself and screamed " WHAT? WHAT DO YOU WANT NOW? ", and proceeded to talk over me and belittle me. At least XXXX times he threatened me with legal action.
Consumer complaint received 2023-08-25
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: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries
Consumer complaint received 2024-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

This is my response to the closed CFPB complaint # XXXX. 

A. Account Timeline You stated that this account was active during XXXX. However, I was in XXXX for the entire duration of this period. To substantiate this, I have again attached the following documents : 1. My XXXX record, which shows that I was not in the U.S. from XXXX to XXXX. 
2. Copies of my U.S. visas, indicating the dates when I was and am in the U.S. 
3. The police report confirming that I was not in the U.S. from XXXX to XXXX. 
4. The identity theft report confirming that I was not in the U.S. from XXXX to XXXX. 

B. Linked Address You mentioned that this account is tied to the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. If you review the identity theft report, you will see that this zip code " XXXX '' is explicitly flagged as fraudulent. I have never resided at this address. 

I kindly request that you thoroughly review all the attached documents and resolve this case. I have no connection to this fraudulent account.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CT)

Bought XXXX worth of appliances and delivery guy was abusive when he showed up. We declined the order and requested a full refund.. We even had to call the police on the driver. Sears offered us a XXXX delivery rebate for the abuse. We refused. Get credit card statement and they say I owe XXXX plus fees becuase purchase xcame with a gift card of XXXX. I dispute charge and they say they have no way to cancel gift card. I tell them the number is right on the reciept. They continue to say we must argue with sears and not citibank. This is a # metoomoment. I am being forced to spend a gift card at the very place that was abusive to me. It is like asking a women to go back and live with the husband that XXXX and XXXX her. It is ludacrous to say that a gift card is non refundable. I never purchased the card it was free when the transaction was canceled so was the gift card i thought but they want me to go spend money that I do not want to spend there. I explained thier logic is just crazy but they kept saying call the abuser sears to work it out. No I disputed the charge and they never asked for documentation or proof because they just kept saying you must spend the gift card. Of course they want late fees from the non payment
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XX/XX/23 Attempted to make a phone payment while in the hospital. 
The first digit of the account number was not recorded properly and the payment did not go through. After a number of phone calls with Mastercard. I thought the issue was resolved. 
However, again in XXXX the same error occurred and my account was closed. 
After another series of phone calls Mastercard admitted there was an error and reinstated my account issuing new card with the same account number and an apology. 
On XX/XX/XXXX made my usual phone payment and followed up with my bank in order to ensure that the payment actually went through. After 2 days, when the payment had still not been debited I called Mastercard on XXXX and notified the representative that the payment might have been misapplied again. The representative assured me that she saw that the payment was made. I insisted that I felt there was a problem and, just to be certain that I didn't miss a payment, I had her take a new payment for a slightly different amount so as to be able to track it. That payment was properly debited within 2 days. 
On XX/XX/XXXX I received notice that the first payment had not gone through and my account had been closed again. I called and spent almost 2 hours on the phone with 2 different representatives ( XXXX in California and XXXX in Florida ) and was informed that there was no way that my account could be reopened. They admitted that it was likely that the automatic phone payment system still had the wrong account number but now I would have to reapply for a new account and I no longer qualified. This in spite of the fact that my account had been quickly reopened with an apology less than a month earlier. In addition I fear that my credit rating has now been negatively affected.