davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX
Consumer complaint received 2017-06-28
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)

Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-06-27
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: AMERICAN EXPRESS COMPANY (CT)

On XXXX/XXXX/XXXX, my American Express ( AMEX ) account was charged for a purchase I did not authorize. AMEX allowed a purchase to be made in the amount {$840.00}. The charge was for a software subscription from XXXX XXXX. I was not contacted by AMEX which is my request that I always be notified of a transaction that is large ( $ ) and any transaction where my card is not present. For every transaction that I have made on my account AMEX abides by my wishes-except in this case. I have disputed it since XXXX and each dispute has terminated with AMEX accepting the XXXX argument that this is a subscription and they have my card number. The card number used is not my card number. The person named as the subscriber is " XXXX ''. That is not my name. AMEX continues to ask me to resolve the matter with XXXX XXXX. I can not. I have no status with XXXX, and I can not get past their initial screen with a PIN since I do not have a subscription to this software. In fact, it seems nobody does. " XXXX '' is unreachable. My ability to handle this matter is stifled by AMEX 's inability to accept my arguments and my inability to deal with XXXX sales to try to resolve.
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Sometime around the beginning of XX/XX/XXXX my billing cycle was changed without my permission in regards to my flex-loan with Advance Financial. They also attempted to withdrawl payments from my bank account ( XX/XX/XXXX ) after I had submitted in writing to revoke permission to withdrawl funds from my account ( XX/XX/XXXX ) because of the billing issues. I have had no true resolution on my account even after submitting a BBB complaint ( # XXXX ). I have spoken with both XXXX XXXX ( Customer Resolution ) and XXXX XXXX ( Manager ) and each time I only ask for my account to be updated and a correct statement sent to me so that I can make my payments. Each time I speak to XXXX XXXX he tells me that he is correcting the error and fix my statement. I have made it clear that I will not make further payments until all errors have been corrected and I am sent a correct and accurate statement. I am told that they will only correct the errors after I make a payment. I think this is an unreasonable request when the statement that I am paying is incorrect. I have been told that adjustments will be made and fees removed from my account only after I make a payment. I have also requested no phone contact via writing and am still receiving multiple calls daily and voicemails with no messages left on my cell phone. This is a direct violation of my FDCPA rights in regards to ceasing communication and harassment or abuse by causing a telephone to ring continuously with intent to annoy. I just want resolution and my account corrected. I have included copies of BBB Complaint, email communication, phone calls and request to stop payments.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Darnel Quick Recovery, Inc. (GA)

I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (WI)

credit card denied when attempting to charge payment for a stove and refrigerator. I have copy of credit rating. It has false names, wrong addresses and SSN variations. It has two different address ID and only two correct addresses. I am XXXX XXXX XXXX. The one on XXXX XXXX XXXX is not me. and the social security number is not mine. Year of birth is correct-XXXX. I hope you can correct this error. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TENET HEALTHCARE CORPORATION (GA)

I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Consumer complaint received 2017-06-27
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. (NC)

On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (OK)

I had a loan through  XXXX    XXXX   and in the past few months I 've been hospitalized and become   XXXX   XXXX   XXXX    XXXX  and have been awarded  XXXX  benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to  XXXX  collection company and  XXXX  has falsely placed a collection on my credit report for a whopping {$3200.00}.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gatestone & Co. International Inc. (AZ)

OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Affiliated Group, Inc (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The Affiliated Group has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.
Consumer complaint received 2017-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In  2001 ,  XXXX   XXXX    XXXX   issued to me a  XXXX  ending in xxxx  XXXX .     The ir 30-day la te payment notice is still on my credit report.     I believe the statute of limitations has passed.     So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX   XXXX  and their new credit card department in  XXXX   XXXX   (   XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCI Financial, Inc (WA)

I emailed CheckCity on XX/XX/XXXX because the website would not accept my correct payday, but it had my withdrawal date a few days before I got paid. The customer service rep fixed the problem in their records to be withdrawn on XXXXXX/XX/XXXX, though if did n't show up on the website. They assured me about twice not to worry. <P/>I looked this morning, XX/XX/XXXX, and my bank account showed a negative balance of {$350.00} ( because I had a previous negative balance of {$58.00} until I got paid on XX/XX/XXXX). I had just perfectly figured out my finances for XX/XX/XXXX, so I was extremely upset when I saw this. This money was not supposed to be withdrawn until XX/XX/XXXX. I emailed to demand they fix this error and am awaiting a reply. <P/>I will never use CheckCity again!
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I havent been keeping eye on my credit report because I have everything I need I have a car I have a home so I havent been getting my credit pulled but the other day i decided to check my credit report just because and i see that their inquires on my credit file I dont recognize from dealers and banks. I am a victim of identity theft from a couple months ago due to leaks but so some might be from that Ive had the police involved already once so now I just need the credit bureaus to remove the fraudulent activity off of my file please. I have no knowledge of whats going on with my file. Please remove