davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXXXXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DHI Mortgage Company (TN)

I was looking to purchase a home XXXX XXXX XXXX and was originally quoted a rate of XXXX  % and was told I would not have to pay to buy down the rate. Within in XXXX hours I was told it would be XXXX  % and once again I would not have to pay to get the rate to the XXXX  % but if I wanted to I could pay more out of pocket to get closer to the original XXXX  %. Due to the rate going up I negotiated the price of the home and it was accepted. At that time I allowed them to pull my credit with the understanding I would be getting a XXXX  % rate and they would give me a XXXX  % credit towards closing costs. They then come back with a quote that was charging me {$XXXX} to get the XXXX  % rate and did not give me the XXXX  % credit. The {$XXXX} was the exact amount they reduced the price of the house so they lied to me and tried to get the money back by charging me for the rate. When I brought this up and told them I have proof of it they told me they no longer want to do business with me. Now I have a hard pull on my credit and Im unable to even purchase the house.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was having financial difficulties, and my car was repossessed. XXXX at the end of month. My credit has been reporting delinquent since I was making any on time payments. I talked with the lender to let them know I would not be getting the car back. They sent me a letter XX/XX/XXXX or so showing what it cost to get my car back repossession fees what the time frame will be to get it back. And when or about it will go auction off. So how can they report on the XXXX of XXXX that XXXXm derogatory of the full amount on the loan, and the car hasnt been auction offed to leave any outstanding balance.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I open acount in case my acount was compromised I call the bank and say please stop all activity when I go branch and I verified everything then realized my acount after some day I go bank I requst chang my all info my bank acount no so I can secure my money they did but after 1 day I received mail we are going to close your acount without any reason
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

Inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian has failed to investigate this account properly after I repeatedly asked to have the account updated their neglect has once again violated my consumer rights. I am demanding a deletion of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you properly investigate these accounts
Consumer complaint received 2024-10-16
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. (MO)

I am asking for your help with the wrong account showing on my credit report. This has affected my reputation, and I need your assistance to get it corrected. Your poor handling of my credit report has severely impacted me, and this incorrect reporting has destroyed my reputation. You need to remove this misinformation from my credit report.
Consumer complaint received 2024-10-16
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. (GA)

Under XXXX XXXXSC 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-09-12
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Freedom Debt Relief -- Keep changing expected graduation date and changing your enrolled debt amount when you call and make a complaint adding XXXX XXXX XXXX more in payments and Fees and when I make an inquiry it gets worst more fees added to my account and my Graduation date and enrolled date changes- making me liable for thousands in more monthly payments-Thanks in XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-16
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MIDFIRST BANK (LA)

NONE of the boxes applied to my complaint, but it wouldn't let me skip them or write my own, so here it goes.. 

My dad passed away 11 weeks ago and I inherited his property, there are currently squatters living in the home that I am in the process of evicting. These squatters logged onto the Midland online account and changed the contact email to theirs instead of mine, while doing that, they saw my phone number and address. I called Midland to ask about this, and they then informed me that they also called Midland pretending to me and my daughter ( a crime! ) Midland should have IMMEDIATELY called me and not given them any information!! That is not what happened, I was not told until I called them asking about the change of the email address on the account. I was told I could put a PAC ( privacy access code ) on the account so that when someone logs in online or calls about the account, it would ask for a certain word before any information was given about the account. I have now called over 10 times and the PAC has NEVER been asked for. When I start asking about it, they give all kinds of excuses ranging from a computer glitch, to it only asking for the PAC on the 2nd page of the account, to it will be asked for next time you call in, which it never was. Because of Midland Mortgage, these squatters who are dangerous, now have all of my personal information. I have spoken to a supervisor, XXXX XXXX, to demand the audio and transcripts of the phone conversations between Midland and the squatters and was told to give her a few days. Those days have now passed, and I have called and left a voicemail, waiting on a return call from her, remains to be seen whether that call will ever be returned or not. The sheriff is now involved because calling and pretending to be someone to a mortgage company that you are not to get their personal information is a CRIME, as is the mortgage company releasing information to someone who is not on the account. Midland mortgage KNOWS all of this information and still REFUSES TO SECURE THIS ACCOUNT. There have been numerous other problems with this company other than this, this is just the most egregious. They also sent me the foreclose notice in the mail 3 days after I acquired the property in Succession and sent that to them. Many more things I could put in this complaint about Midland, but I would be typing all day. I have never dealt with a company that is more infuriating and unprofessional in my entire life. I work at a tiny family-owned business and even WE have to secure customer accounts.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AL)

I have a collection from XXXX on my XXXX, XXXX and XXXX XXXX I have never had a XXXX account I have a XXXX account, this is a incorrect information due to the fair debt act signed in 2010 by President Obama, By its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). 
Upon notice from a consumer that inaccurate information has been furnished to a CRA, the creditor must conduct a " reasonable '' investigation and issue its findings within 30 days, with XXXX 15-day extension allowed. This is the same amount of time credit bureaus have to investigate and respond to a consumer dispute. I have had a fraud protection Alert. I demand who has been paying this bill because I have never had a XXXX account EVER ... I have contacted XXXX and they have no knowledge on me in their system, called the collection agency was gave a run around talked to XXXX XXXX ID XXXX that stated he could not connect me to the number I need to be transferred to, I had a XXXX rep on the phone as well she looked up the number is was a bad number he gave me a XXXX no answer the XXXX rep called another number spoke to XXXX XXXX ID XXXX, these names sound fictions, still could not pull up any information on me by my SSI number.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

I am XXXX XXXX XXXX, a XXXX XXXX with XXXX serviceconnected XXXX. Chase bank for over a year drafted my Checkingaccount {$170.00} for my Condo Association fee. I was notified XXXX that for the last three months the bank has not paid as orderedon the first of the month, the bank changed the draft date ( withoutmy authorization ) to the XXXX, of the month, on that date there is notfunds in my account to cover the expense. The bank refuses to pay and Iincur an over draft fee of {$35.00}. I recently received notice from myCondo Association that I now have a lean on my property for $ XXXX. The bank refuses to correct THEIR MISTAKE and rectify thethe bounce check charge, the lean on my property and other nowchecks due to Chase Bank mistake.
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (CT)

Approximately 7-10 times a day TD bank calls my phone. Leaving misleading and false messages about charges. Untrue talents about charges made. Incomplete voicemails. And will not stop calling excessively. This has been going on for weeks now. XX/XX/2024 they were told a final time to stop harassing me for the second time. And the very next morning they called again. I have attatched a few screen shots of the calls from multiple numbers. Including the 41 second call where they were told the second time to stop calling and harassing me. I have far too many to upload as the volume of calls is over a somewhat extended period of time now. Can provide additional if needed
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NH)

Saw puppies for sale on XXXX site XXXX XXXX XXXX. Selected puppy and sent XXXX transactions on XX/XX/2024, XX/XX/2024 and XX/XX/2024. Puppy was supposed to be deliver XX/XX/2024 but never got puppy. Reached out to Td bank and was notified after 7 days wouldnt be getting my money back even though I advised them I was a victim of a scam.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.
Consumer complaint received 2024-09-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was a victim of a data breach with XXXX I have found that there are some unauthorized inquires from XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery on my XXXX XXXX, XXXX and XXXX credit bureau that I did not authorize.
Consumer complaint received 2024-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On XX/XX/year> i reached out to National Credit Systems at XXXX to get information in regards to a debt that i owe. This company sent me a letter stating you may satisfy your debt in full at a 50 % discount if you pay before XX/XX/year>. When i spoke with the agent he confirmed that if the debt was paid it would be removed from my credit within 30 days. Now this company is trying to tell me that i still have a balance that is owed.