davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I've been disputing certain accounts on my credit for 6 months, and Equifax has done nothing to validate the accounts that I have disputed! I have never seen investigation results, I have never gotten any credit reports, I have never received a single update from Equifax. It's like they are completely ignoring me, and I can not stand it any more!
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

I took advantage of balance transfer offers from Citibank. One balance was for .99 % a second was for 0 %. both charged a 3 % fee. My 0 % expired on XX/XX/XXXX. I purposely made a {$2100.00} payment which was supposed to be paid against the expiring account. I even called Citibank customer service before I made this payment to make sure it was to be applied against the expiring account and was told it would be applied that way. 

It was not. It was applied against the .99 % balance which is going to expire XX/XX/23. 

I contacted Citibank again and was informed it would be adjusted on my XXXX statement. It was not. I wrote Citibank about this issue and essential received a non response response. Now my XXXX statement reflects a {$2000.00} balance at 27.99 % and a {$1200.00} balance at .99 %. 

I'd appreciate any help you can provide. Thank you.
Consumer complaint received 2024-10-24
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
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. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-19
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXXInquired on XX/XX/XXXX  ; XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX  ; XXXX Inquired on XX/XX/2021 ; XXXX  XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  Inquired on XX/XX/ ; XXXX XXXX Inquired on XX/XX/ ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with Franklin Service , INC out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. 

I have been harassed by phone and email from a different debt collection company, XXXX XXXX XXXX in XXXX XXXX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from Franklin Service , INC. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and Franklin Service , Inc. Please see the attached documents for this complaint.
Consumer complaint received 2023-07-18
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-10-24
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. (NJ)

in accordance with the fair credit reporting act, the account listed below has violated my protected my consumer rights to privacy and confidentiality under 15 usc 1681 account name : XXXX XXXX XXXX account name : XXXXXXXX XXXX  account name : XXXX XXXX XXXX account name : 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 section 604 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information. any other adverse items of information, other the record of conviction of crimes which antedates the report by more then seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-24
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXXT last reported XX/XX/year> {$3200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (FL)

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX, XXXX, almost XXXX and XXXX XXXX XXXX XXXX, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Basically we thought we were doing payments for modification 3 % and monthly payments of {$1600.00} past 10 months recently we realized we were not paying PHH We were scammed Now we do not want to lose this house PHH IS NOT WORKING WITH US PLEASE HELP US WE DO NOT WANT TO LOSE THIS HOUSE WE HAVE BEEN WITH PHH FOR OVER 27 yrs. At 7 % they did not want to help when we asked to refinance for lower interest Thank you I hope you can help XXXX & XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 2017-11-02
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. (GA)

I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-07-18
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. (MD)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (AZ)

I used XXXX XXXX, XXXX, and Crypto.com to transfer funds into my XXXX account to trade with a trading group called the XXXX XXXX. I deposited {$22000.00} into the account and made trades which brought the value of my account to {$27000.00}. The group and I have parted ways, and I wanted to withdraw my funds back to my XXXX XXXX account. Crypto.com was the last exchange I used to transfer funds to my account, so I decided to transfer a small amount there too make sure it made it to my crypto wallet. I bought {$6500.00} in XXXX ( XXXX ) since both exchanges supported this coin, and requested a withdrawal from XXXX to my Crypto.com wallet on XX/XX/year>. My request in XXXX account did not go through right away, it stayed in a review status. After a few days of the withdrawal being in a review status, I contacted XXXX  customer service to ask why the withdrawal was still in review, I was told that all crypto currency withdrawals was on a mandatory 14 day hold by the SEC due to security problems and crypto currency crimes increase. I asked a few more questions about the 14 day wait, and then waited to see what the status would be after 14 days. After 15 days ( On XX/XX/XXXX ) I contacted XXXX customer service again, and the withdrawal was changed to success. I kept checking my crypto.com wallet for the next few days but no funds showed up. On XX/XX/XXXX I contacted XXXX customer service again and was told their system show that my withdrawals was approved and successful. I let them know that no funds had not shown up, they advised I contact crypto.com customer service. I have emailed crypto.com customer service multiple times with the same results, 2 days after emailing them I get a response stating they are sorry it has taken so long and they are trying to do better in their response time. They state if my issue is still valid, to respond to that email, in which I do just to go through the same cycle. Not being able to get in touch with crypto.com customer service leaves me not knowing if this is an issue with XXXX or Crypto.com. 

I still have {$21000.00} in XXXX that I need to transfer out, but I have no idea who's holding my funds ( XXXX or Crypto.com ). The last transfer that was successful went to XXXX XXXX, but they put a hold on transfer to XXXX so didn't want to chance it, and still ran into the issue I was trying to avoid. I have screen shots of the withdrawal request ( show I transferred XXXX ), my XXXX XXXX address in Crypto.com, conversation with XXXX CS, emails to Crypto.com CS, and my balance in my XXXX account. I would like to figure out where my {$6500.00} is and I need to get my {$21000.00} transferred out of XXXX ..... Thank you XXXX XXXX
Consumer complaint received 2018-12-15
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)

XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2024-02-08
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting false information to my credit report such as unauthorize inquires dated XXXX XXXX and XXXX XXXX According to the fair credit reporting act anything inaccurate or unverifiable must be deleted.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

This company has only this debt Since XXXX  2023 and they have sent XXXX  -pre legal notices threatening to sue but when i answered their call for the first time, they re first sentence was if this is XXXX XXXX by some lady said to me we are looking to pursue a legal matter against me by some " XXXX XXXX XXXX person. Then when I questioned if that was legal, the call jumped to this " XXXX '' lady. She not only admitted to threaten to sue but starting aggressively asking me about this debt and about how much letters they have sent and calls they made. 

Which I haven't received a call from them and if so it was most likely a robo call where they made a phony # called then ditched the phone #. That's been the extent of my calls lately. 

I told her at the time I hadn't received any letters. She tells me she sent me one through XXXX and like XXXX  other letters. I deny receiving any of them. Then she wants to me to validate my address but again I'm very hesitant on giving that. I ask for proof of debt and who were names I spoke with. She gave me XXXX guy name and her name but wouldn't tell me when the company bought the debt and for much and when. She kept referring me to sign up to their website. 

The call becomes more aggressive and she starts cutting me off when speaking. Telling me you own this debt and really pressuring me into admitting the debt. I tell her I'm not admitting nothing but I feel threatened that the first I speak with you guys is a legal threat. I also question the legality of it. Then she denies legal threat. I tell her I will get back to her on this matter. She keeps pressuring me. We eventually end the call talking about my legal representation and how I would be calling back.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX XXXX  a withdrawal from a XXXX XXXX ATM was done from my account in the amount of XXXX. 
In reviewing my account on the XXXX over the phone I heard the transaction. I immediately called the bank and was told they couldnt help I need to go a branch. I when to the branch and spoke to a lady and the branch she pull up my account and told me the transaction was done with my card and PIN number I showed her I had my card d and I didnt make the transaction. She said would cancel my card and issue me a new one and the matter would be investigated. I waited another 10 days and still didnt hear anything. I call and was ask for a claim number that I didnt have because the women didnt give me one. The person on the phone told me to call my in another day and ask for a claim number. I got really upset and started calling different departments at TD. I wrote a complaint to XXXXXXXX XXXX XXXX  and outline my complaint. I received a phone call from XXXX who informed me my claim was denied because my PIN number was use and thy checked the chip. I was insulted because I knew I didnt make the transition and had the card. XXXX told me to contact XXXX and give me the information referring to the transaction ie the number that was listed on my account for the transaction. I contacted XXXX and they were very nice but couldnt understand why the fraud dept from TD didnt contact them. They couldnt help me because I wasnt there customer. I try again to get TD to contact XXXX so the fil could be reviewed and show the transaction was not made by me. Its been greatly publicized that scammer can duplicate card an obtain PIN number in many different way. TD will not acknowledge thats this could happen.