davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax Stated in their response ( attached Below ) that they Verified a Bankruptcy and I quote '' this information is often obtained from a medium ( ie.Paper records or a computer data base prescribed by the source of the information ( IE. courthouse or other government Entity. ) I have provided proof that the information was never reported to any vendor, or credit reporting agency. If the information was never reported directly from the source then how can you verify information that was never given from the actual source? 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure accurate reporting and limit the purposes for which consumer reports are furnished. Equifax are not meeting these standards.

Finally, pursuant to 12 CFR 1016.7, I exercise my right to opt out of your reporting services effective immediately. 


I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (ID)

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent. As a result, I request that this unauthorized inquiry be promptly investigated and removed from my credit report to ensure the accuracy of my credit information.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (NC)

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (KY)

I have an IRA CD with US Bank that matured in XXXX. I contacted them within the grace period with a request for a direct transfer to XXXX XXXX XXXX XXXX XXXX XXXX all forms were faxed to US Bank. They denied the transfer saying a requested date was needed. We provided that. They still denied the transfer saying they needed an address for XXXX XXXX. This is on the fax. They refuse to let us speak with the IRA CD team or a supervisor. We have complied with everything they have asked and they refuse to transfer my money. The amount is in excess of {$250000.00} and they are holding it in an account paying 0.25 % thus costing me about {$1000.00} per month in lost interest.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax opened a XXXX day investigation for fraudulent inquiries listed on my credit report and closed the investigation within XXXX days with no investigation results, or any information in terms of finding and what they did. I previously submitted a complaint through the CFPB and how this company is violating Federal Law and overlooking what is supposed to be done as they are not over-standing their part in the authority over the law and not follow FCRA guidelines to which they are repeatedly turning a blind eye to what their supposed to uphold which is factual credit reports and integrity. This bureau over the past year has caused me insane amounts of mental anguish in which I have fell into a XXXX where I want to pursue litigation and file a claim in federal court against this credit bureau. I have countless disputes dating back XXXX  months on how I have requested countless information sent Identity theft reports in which this bureau does not investigate or send results of their findings. This fraudulent bureau doesn't even open investigations and I will attach it to this complaint of how this bureau actually does their job which is a direct violation of what this company portrays themselves to stand for.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've submitted multiple letters to the company regarding these issues, but there has been no resolution. Despite XXXX XXXX advising the company to remove the bankruptcy from my credit report, the company insists that the information is accurate. They verify it with XXXX XXXX, while XXXX XXXX asserts that it's incorrect. Each company received the attached letter from XXXX XXXX the only company respond and removed the incorrect data is XXXX.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (IL)

I was supposed to receive an account opening bonus of {$400.00} several weeks ago after meeting all stated criteria. After reporting this issue to PNC on XX/XX/2023 by chat, they opened a ticket ( XXXX ) with their research team and asked me to check back in 3 weeks. When I checked back in 3 weeks later, I was given confusing and incomplete information by their chat agent, XXXX, who re-asked for the same information and re-raised a request despite me asking her not to. I wanted an update on the reference that was raised weeks ago, and she continued to ask for the same information provided weeks ago. I do not feel comfortable with how PNC has handled this- if there was an issue with reference XXXX, they should have reached out to me, and they should have reviewed the original request to see that all information was provided. At this point, PNC has not handled crediting my account for this promotion or communicating with me properly regarding this issue.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I need to re open my previous claim that was closed. Complaint # XXXX. I dont agree with the reasoning of the denial of the transaction done to my accounts with Chase and the way it was handled. I need this to be investigated further as I was hacked and a victim. I have not authorized any claims to be processed nor allowed any funds to be distributed out of my accounts in that time period. Chase dropped the ball here by not red flagging all those fraudulent transactions, which were many. All my accounts were closed by a Chase themselves stating that I was a high risk to them. This is also unfair. Im now with a lien on my home and behind on my payments that were jeopardized when this happened in XX/XX/year>. Now I get notified that Im negative with Chase on a closed account. I have no money to pay this nor to pay my lenders. Especially when payments were already done and this shouldve never happened. I do have my local police investigating this case. And they will be sending out subpoenas. They were able to find an XXXX our Georgia for one of the transactions where they took the funds that where temporary give by Chase. You are the one of the only bank that does temporary credits without investing first and use people out the country ( third party vendors ) to do these transactions for a Chase. This give the hacker/ thief whatever they, more opportunity to do what they did to me. I know Im not the only person this has happened to but I need this resolved and need to be current with my lenders. My life hood is in state here. I never authorized any of this transactions. I beg to open and help resolve this. This is a lot of money. 
I have stacks of letters of all the non authorize claims done by someone that wasnt me. I need to be able to sit with someone and discuss this in person. I have been to my local branch but they arent available to do anything as this needs to be handled by Chase corporate offices. I will be waiting on a response. I will be try to look for an attorney that can help me with this issue. But have no money to pay. 
Thanks.
Consumer complaint received 2024-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage has reanalyzed my escrow account and changed my payment four times in the last twelve months. My payment keeps going up, then down, then back up and I have no idea how much my mortgage payment is going to be month to month. These swings are not small, being between 20 % -40 % in either direction. Swings that large are impossible to budget and much financial planning very difficult. When I called and asked, I was told that escrow reanalysis happened every time something was paid from escrow. I was basically told to " Deal with it '' as Carrington could do as they wanted and I did not have any recourse.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NY)

Per offer term, The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. 

The account was opened on XX/XX/XXXX and the last calendar day of the month all requirements were completed is last day of XXXX. It has past the deadline for bonus deposit. 

Please kindly advise.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I saw they had XXXX different names on my report, with different spellings. They have XXXX different addresses ; some I've never lived. They have XXXX different employers on my report. They still have my ex-husband listed on my account, ( I been divorced since XXXX ) and XXXX different telephone numbers. I sent a letter to them with instructions and proof of information showing my current address, name and phone number. I informed the CRA 's of my current employment. The letter was sent on XX/XX/XXXX, CRA 's still have not cleaned up my credit report. After sending a second letter to one of the CRA 's providing them additional information that they requested, I sent the information, and I received a second letter asking for the same information all over again for the third time. I need all the inaccurate information removed off my credit report immediately.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (IL)

I requested a copy of 1099-C form which the company received from the IRS. It shows that the debt was cancelled by the IRS and the company received credit for the debt.

The form shows that the debt was cancelled and the credit report should read a zero ( XXXX ) balance.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-01-18
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent Midland Credit Management Inc 3 separate certified letters requesting copies of any kind of contract or some agreement containing my signature. I have requested anything they can provide to prove this is my debt. To date all they have sent is a copy of billing statement. That is in no way proof of debt ownership. I have corresponded with XXXX XXXX XXXX on three separate occasions and each time she returns the same form letter to me with the same statement, ( 'After reviewing the information you provided, our account notes and information provided by the previous creditor, we have concluded that our information is accurate. In addition, the information has been accurately submitted to credit reporting agencies. ' ) Apparently, they have information and account notes with information provided by the previous creditor, XXXX XXXX XXXX  XXXX. I can't think of a valid reason why Midland Credit Management XXXX is withholding information that supposedly proves I own this debt. If they have any information, I expect they would provide it to me but as it appears at this moment, I am being blackmailed by this company. They are demanding payment on a debt that is not mine and that they can't prove belongs to me. This is not a fair or legal practice. I have filed a lawsuit in my home state of Texas on XX/XX/year> and am suing Midland Credit Management Inc for defamation and negligent enablement of identity fraud, violation of the fair debt collection practices act and violation of the fair credit reporting act.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2022, SYNCB/AMAZON PLCC made an unauthorized " hard inquiry '' from all 3 major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (KY)

Mariner finance says I owe {$3000.00} I never heard of this business in my like have no knowledge of this account called then multi time trying to get answers, they have not provided me any information transactions about this account
Consumer complaint received 2024-06-21
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. (DC)

Please remove the following account and inquries listed below this is not correct please review and remove it now. Here 's the lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (NC)

I asked Hunter Warfield to stop contacting me in XXXX of XXXX on a recorded line. I received mail dated XX/XX/2024 that states it's an attempt to collect a debt. It reiterates the debt with a copy of my lease. I'm happy to provide the documentation they sent in the mail if necessary.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I have the Platium American Express card. On XX/XX/XXXX I contacted the company via chat to discuss closing the card as I did not feel it was worth its high annual fee. During that conversation I was offered to keep my card open in exchange for XXXX points if I spend {$4000.00} in three months from the office. From there I left the card open and continued to spend on that particular card to get to the {$4000.00}. I contacted Amex last week to touch base as I had not received the points but felt I met the threshold of XXXX XXXX spend, only to be advised that it was never applied to my account. I explained what happened and the reps are able to see the offer in their chat history. I have a screen shot of the offer for my records and offered to send that over as well. I was told because I did not say some magic word that they did not apply the retention offer to my account and that no current offer was available. I asked if they could use the offer from XX/XX/XXXX since obviously there was some sort of disconnect / error. I was told a case would be submitted to see if they were willing to fix it. Today I touched base and was advised that there is nothing they can do. I feel like this is a bait and switch possibly falling under UDAAP. I advised Amex of this to no avail. I was offered a retention bonus, stayed with Amex and continued to use my card based off of that offer. Now I am being told it was never applied to my account. This is not good business. I would like my offer applied to my account per our conversation on XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (CA)

10 days ago, I attempted a legitimate transfer with full documentation proving its legitimacy. RIA canceled the transfer and closed my account with no reason given. I emailed them twice and received no response. They finally responded to an official appeal refusing to explain why. 
10 days later, they still have not refunded my money. 
I provided all the documentation they could possibly want to prove the legitimacy of this, and still they closed my account for nothing more than vague " security reasons '' and refused to provide specific reasons why or to reconsider the closure. 
And I'm still waiting for the money back.