davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union (VA)

I opened my checking account on XX/XX/2022 under a promotion with following requirements : Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery. 

For the direct deposit part, I met the requirements by maintaining 3 recurring direct deposits for XX/XX/2022 to XX/XX/2022. And based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around end of XX/XX/2022. 

I chatted with the bank and asked for the status. Their response was as below : " This member did not maintain their direct deposit through the 120 day tracking period of the campaign. Tracking went into XXXX, the member stopped receiving direct deposit in XXXX. According to the disclosure At least three recurring direct deposits must be completed w

ithin 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. The terms above about tracking period is not in the disclosure and is totally misleading. I was under under the intent of receiving the offer upon meeting the requirements all this time. Please look into this matter.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

Today the XX/XX/XXXX, I contacted Equifax credit bureau due to a dispute they said I owed. During the phone call I was told that they do not require supporting documentation proving that the debt was in fact owed. I told the Equifax representative that I contacted the debt collector, XXXX XXXX XXXX. XXXX mailed supporting documentation without my signature. XXXX also told me that they received my SSN from XXXX. I called XXXX today to pay the alleged debt and the XXXX rep let me know that they did not have my SSN, they had to get it from the doctor I visited. There was no due diligence from Equifax to see any supporting documents. This put me in an uncomfortable situation and I was force to pay a debt that didnt belong to me. The attachment will show the information provided to me by XXXX.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federated Capital Corporation (NY)

In XXXX I received an Income Execution letter from Federated Capital Corporation. I immediately took it to a lawyer because I wasn't aware I had any outstanding debt. The paperwork didn't identify what the original debt was for. The lawyer sent a certified letter stating that I have reason to believe I am not liable for the alleged debt and to cease collections until the judgement is verified. 

In XXXX they started garnishing my paycheck for the judgment. When I asked the lawyer what happened, I was told the Collector sent proof of an Affidavit of Service to my daughter in XX/XX/XXXX! I don't remember receiving anything from my daughter and she can't remember from 5 years ago either. 

I bought a home in XX/XX/XXXX and there weren't any judgments on my credit report. I currently have excellent credit. I've been told that my only opportunity to dispute the judgement was in XX/XX/XXXX. Since I didn't, the Collector won by default. I think that's crazy! 

They waited 5 years to start garnishing my wages to claim even more money for interest. The judgement is for {$17000.00} and they are taking 10 % of every paycheck. I should have a right to dispute this at any time, especially since it's bogus. 

Thanks for your help
Consumer complaint received 2018-08-23
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. (CA)

Transunion was incorrectly reporting that I was late on payment for my HELOC account. I have never missed or been late on a payment for this account and the balance is currently {$0.00}. I disputed the issue with Transunion and my score was corrected. However, the issue reoccurred the next month. I disputed the issue again with Transunion and they have done nothing to correct the issue this time. How many times should I have to ask them to fix this?
Consumer complaint received 2018-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

I brought a cashiers check to open an account and was told that the funds would be available the next day, so I agreed to open the account, then when I deposited the check I noticed on the receipt that the funds would not be available for another week because I am a new customer. I was not told this before opening the account I was told that the funds would be available the next day otherwise I would have not opened the account because I have another active checking account at another bank. I was misled and deceived.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX OF XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX AF Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2022 I was sold XXXX XXXX XXXX XXXX XXXX XXXX  was no good had major problems it broke down I called them told them I couldn't afford to fix it they picked it up 3 days later I filed a complaint with XXXX  to try and have my down parent refunded I was told no but they would use the car as collateral to cover the debt and it would state that on my credit report to my surprise they lied it has completely ruined credit report the said it was a repossession and I own a balance of XXXX something dears to them
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have been trying to dispute an collection account with XXXX XXXX XXXX. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my Equifax account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
Consumer complaint received 2023-02-23
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. (FL)

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are " 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 and Also XXXX XXXX XXXX XXXX XXXX All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Consumer complaint received 2018-08-23
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: Resurgent Capital Services L.P. (MA)

I was summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.

Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.

Attached also is the response from XXXX XXXX XXXX  It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (MA)

I filed bankruptcy chapter XXXXXX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I sent {$400.00} to someone through XXXX by XXXX on Sunday, XX/XX/2018. The email the money was sent to is XXXX. This persons phone number is XXXX. Maybe an hour or so later that same night I realized my mistakeI didnt not want to send this person $ XXXXand requested they refund me the money back. They told me in writing they would refund me my money by Wednesday, XX/XX/2018 and did not do so. Ive come into contact with numerous other people who have been scammed out of money when trying to buy concert tickets by this same person. All of us ( including myself ) who have contacted our banks have gotten the same responsetheres nothing they can do about it. My bank is Chase. If theres any way this person who scammed me and so many others out of hundred of dollars can be tracked down and held accountable that would be amazing but Ive quickly lost all faith in XXXX and the banks that support it. All I want is a refund of my {$400.00}. I realize its not Chases fault, but at the same time I feel I was mislead in regards to the nature of XXXX and the utter lack of protection associated. As a result, I am strongly considering withdrawing what little money I have left and leaving Chase Bank. Im very upset about this entire situation and just want a little bit of justice. The lesson Im taking from this terrible experience : never use XXXX, especially if the recipient of your money is not personally known.
Consumer complaint received 2023-01-10
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, I m having a hard time with XXXX and Experian removing these late payments. XXXX XXXX already removed 6 late payment from the XXXX XXXX XXXX  on my report. please help me get this removed.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.