davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-15
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. (UT)

I contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-02
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. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of XXXX, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.
Consumer complaint received 2022-12-02
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. (MA)

XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of 2022, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.
Consumer complaint received 2022-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I provided capital one a detailed description stating boss XXXX XXXX XXXX XXXXXXXX car rental scammer was supposed to refund me a {$5000.00} deposit for a car rental. Capital one replied with, '' At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 

I literally detailed out why I was due a refund for the XXXX with time stamped photos, text messages, and pictures of the returned vehicle with no damage. Capital one is refusing to purse the case and has informed me I need to, '' If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX XXXXXXXX, seven days a week. '' I obviously have tried to work it out with the merchant but they are refusing which is why I filled the dispute.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

On XXXX XX/XX/2022 a withdrawal of {$220.00} was taken from my account without my knowledge. I usually check my account on a daily basis. I noticed on XXXX XX/XX/2022 that there was a bank debt transaction in the said amount. I called Regions Bank customer service to dispute this transaction and was told that it would be reported. I called them back a week later and was told to go to a branch location to file a dispute. XXXX XXXX at the branch took the dispute statement on XXXX XX/XX/2022. I called customer service again on XXXX XXXX and was told by someone named XXXX in XXXX, TN. That I wasn't going to get a refund because of a pattern of me using the same ATM in the past. Which didn't make sense to me. I have a choice of what ATM I want to use. XXXX XXXX will not return my calls.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; A XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-02
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. 

I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. 

I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. 

In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments.

Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. 

The company Ditech Financial has since taken down the biweekly payment offering.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX of XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX dollar rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this liars cheepskates
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (IN)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, ITEMS, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Good day, I sent the payment of {$700.00} through online bill pay from webster bank and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call XXXX, and XXXX said call XXXX XXXX. XXXX said since 2 years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the webster bank and spoke with bank Manager, i spoke with many different representatives from both XXXX XXXX and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. They told me to go back to webster bank, dispute it, recall the payments. Every bank has this option to do but webster bank said no, they can not do it. Then again when I called XXXX and XXXX again, both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX am but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and one representative was very impatient with me stating i have to have my financial institution ( webster bank ) send in writing to return the payment. Another representative said i have to contact XXXX bank. I am being circled around and meawhile {$700.00} is lost and webster bank can not retract it, can not recall payment, XXXX XXXX can not and stating call XXXX and XXXX said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Consumer complaint received 2022-12-17
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. (MN)

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX experian XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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: CBC Companies, Inc. (MO)

As I was speaking to an agent in regards to disputing a couple items on my credit report the agent showed me how to view and read my report online I then discovered up to XXXX inquiries that I have no recollection of Never even heard of most of the companies
Consumer complaint received 2017-09-15
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. (IL)

The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.