davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ;
Consumer complaint received 2021-08-06
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

11. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (AZ)

I submitted two disputes that were denied on XX/XX/XXXX and XX/XX/XXXX for {$4700.00} and {$2000.00}. 

Both diaputes were submitted with complete signed and dated dispute forms and assigned police reports which detailed the theft of my property and were both denied and appealed and denied by Chime. 

I am protected by Visa snd would like for my money to be returned and have complied with bank requests and wish my money returned to me plus damages.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
Consumer complaint received 2022-07-24
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)

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

I have a safety deposit box with Chase - XXXX in XXXX, Michigan. In XX/XX/2022, I noticed an important item missing. Also. it is my understanding that checks in the box may have been copied. I wanted the video footage of the last 5 times I went into my box. I was told by a Chase personal banker that I need to get a subpoena. This should not be the case where I have to hire an attorney and then go to court. In the meantime. I am being charged an annual safety deposit fee of {$80.00}. This should be waived, especially since it is making my account overdrawn. The activity of what happened to this box is a part of a federal investigation. I ask you to consider the matter of high importance.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Noted several pending transactions on Citi Mastercard beginning XX/XX/22, {$1.00}, {$100.00} and then four for {$500.00} each. Reported fraud, card cancelled and new card issued. Two of the {$500.00} charges posted for merchant XXXX XXXX XXXX. Called Citi on XX/XX/22 and while advised not responsible for charges, unable to block or note temporary credit for these disputed transactions. Was advised I would have to await the response from the merchant which could take up to three months, and that " the ball is in their court. ''
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-06
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: LEXISNEXIS (NC)

XX/XX/22 sent a letter letting LexisNexis Consumer Center is in violation of my rights. 15 usc 1681b. They sent a email saying they need me to send in my driver license and a bill. I sent that with the letter. I also have the letter from the courthouse saying they do not give out personal information. Rule 9030 of the Federal Rules. I spoke to a person from LexisNexis Consumer Center on 7/6/22 her name is XXXX employee # XXXX and she viverified my account.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I submitted an application to Texas Homeowners Assistance Fund with Texas Department of Housing and Community Affairs on XX/XX/XXXX. My completed application has been reviewed and approved to receive financial assistance for my past due mortgage balance with PNC Bank. I have submitted all required Release of Information and Authorization of my account information to PNC Bank for Tx HAF ( Homeowners Assistance Fund ) and TDCHA ( Texas Department of Housing and Community Affairs ) to communicate about my mortgage loan. On XX/XX/XXXX Texas Homeowners Assistance Fund emailed a validation request in an effort to verify my loan to pay off the past due balance on the account. Texas HAF received the document XX/XX/XXXX with the incorrect borrower information on the request form. I have contacted PNC Bank several times weekly via telephone and email in an effort to get the correct information updated on the validation request and submitted to Tx HAF. I contacted representatives with PNC Mortgage XXXXoss Mitigation and Customer Service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX with no updates in regards to the validation request or the status of the document. My caseworker with Tx HAF has also attempted contact with PNC directly XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX without success. 

It is imperative that I am able to get this issue resolved in an effort to receive payment for the past due balance on my mortgage loan and avoid any foreclosure proceedings on my home. Communication with PNC Bank has been extremely onerous and the service I have been receiving as a borrower is subpar to say the least. PNC Bank has not demonstrated any effort or willingness to comply with requests made by myself or representatives from Texas Department of Housing and Community Affairs. It is unacceptable that the incorrect information was submitted on my behalf, and the delay and lack of earnestness it is taking to rectify the situation by completing the validation request with my correct information.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report. 

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home. 

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed. 

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report. 

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RGS Financial, Inc. (TN)

RGS financial has not provided me with any receipt of settlement payment 2 weeks after I paid {$2000.00} to settle an account. I have called mutliple times to request a copy with no success.
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account
Consumer complaint received 2022-07-06
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. (MI)

I have 4 accounts that have been unverified and was requested to be removed by the XXXX credit bureaus ; XXXX, XXXX, and Equifax. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all XXXX bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

I opened a checking account with Wells Fargo. 
I was speaking with a potential employer about work for the XXXX XXXX. I asked for a physical check sent to me but the potential employer said they felt the check would be lost. It was suggested to me that they email me the check. The potential employer told me that this is a new practice being done but other employers. I received it and made a deposit. Then, Wells Fargo called me saying the check was fraudulent. Well when I spoke to the individual on the phone they treated me as if I was a scammer. They treated me as if I was beneath them and dumb for listening to this potential employer. I see that the IRS or FEMA has the email check as an option as well. Im not sure why my situation is any different or the problem. Now I am in one of the Wells Fargo branches and they are still treating me as a criminal- with their whispers and back office talk. I have done nothing wrong and yet my profile/name is being dragged through this company as if I am the problem. Wells Fargo has fraud ALL THE TIME! I am not the issue its the guy you sent it- go after him!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (NJ)

I have been looking at my credit report in order to be able to purchase a home and noticed a company I have never done business with reporting a collection.. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am entitled to request and receive verifiable proof of any debt you are attempting to collect, including a detailed accounting of the debt, the original creditors name, and a copy of the original contract or agreement. 

Please provide the following within XXXX days of receiving this letter : -Verification of the Debt : Proof that this debt belongs to me, including the name of the original creditor and any documentation, such as the original contract or agreement, showing my obligation to pay. 
-Itemization of the Debt : A complete breakdown of all fees, interest, and charges that make up the total debt you are attempting to collect. 
-Proof of Your Authority to Collect : Documentation that shows Receivable Management Services has the legal right to collect on this debt.

As per FDCPA Section 809 ( b ), you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you provide this validation. If you fail to provide this documentation within XXXX days, I expect that you will : - Cease all further collection activities. 
- Remove any negative entries from my credit report related to this debt. 

Additionally, the FDCPA imposes strict regulations on your conduct as a debt collector. In particular : -Failure to Validate : If you do not validate the debt within XXXX days, continuing any collection activity will be a violation of the FDCPA, which subjects you to penalties. You could be liable for damages, attorneys fees, and statutory penalties up to {$1000.00} for each violation under FDCPA Section 813 ( 15 U.S. Code 1692k ). 

Accurate Reporting : If the debt is not verified and continues to be reported negatively on my credit report, this could also be considered a violation of the Fair Credit Reporting Act ( FCRA ), which carries additional penalties. 

Please note that any further communication regarding this matter must be in writing. If validation is not provided, I will report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all legal remedies available to protect my rights. 

I think XXXX days should be enough time otherwise I will move forward with arbitration against this company.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (GA)

I informed Citibank Credit Card Services, in writing via U.S. Mail, that my wife had lost her job after having Covid twice, and had not found suitable work yet still, and that I am legally XXXX and unable to pay anything, and do not care if my debt with them is charged off, over and over again, and yet they call many times during each month. and not to call me again.
Consumer complaint received 2022-07-06
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. (ND)

We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (IN)

XX/XX/2022 I had a debt I never authorized sent to my collections. This was identity theft. I spoke with XXXX  and was told I would owe no debts and my accounts would be removed. I now see I have this debt owe my credit report and its fraud.