davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.
Consumer complaint received 2024-07-12
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Checkr, Inc (VA)

I have revoked authorization with this company about 10 times. Back in XXXX when I noticed they were charging me to run a report on myself I told them that it was not authorized nor warranted. I'm still continued to be billed for the service, they still contact me religiously also about the service that was stopped around XXXX, adding another month each month. two months ago I didn't lock my debit card back, and they withuot authorization because authorization was already revoked charged my bank. I did a charge back on them but they are very persistent in their continued harassment.
Consumer complaint received 2023-12-15
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. (CA)

On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This account has been deleted 3 times and re-inserted 3 times. Delete the items immediately or I will be forced to take legal action. 

Account/ XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WV)

I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX and XXXX XXXX for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax Disputes and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I applied for a Chase Freedom Unlimited Card with an advertised promotion to receive a {$200.00} statement credit after {$500.00} of purchase in the first three months. ( Remains as advertised on website https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited ) I was approved for this card on XX/XX/year>. I was continually shown this $ XXXX {$500.00} deal during the application process and applied for this card entirely to take advantage of this promotion. I was never told that I did not or would not qualify for this deal, including upon being approved for the card. I did suffer a small hit to credit score in order to apply for this card, as it added an additional 'hard pull ' on my credit card. 

After spending {$500.00} I called the company to inquire the status of my statement credit, the company then informed me that I did not have the $ XXXX {$500.00} promotion on my card and would not be receiving the credit. 

The first two representatives told me that the promotion I was seeking never applied to the Chase Freedom Unlimited Card, and when I found the information advertising it with the card I applied for, I called back and was escalated to a supervisor, who told me that my promotion was changed to a new promotion, where I would receive 1.5 % on my first {$20000.00} of purchases in the first 12months and attempted to convince me that this was a better deal. I have never and will never attempt to pay that much on this card and would never receive the " additional '' rewards. I understand that all similar programs are subject to approval, but I was never at any point informed my promotional offer was changed, and that changed caused material financial harm. 

I have suffered damage to my credit score and {$200.00} in lost promised rewards, without any notification or acknowledgement from the company.

I asked the company for anywhere I could submit a complaint regarding this issue, and they provided only a mailing address of a 3rd party company and refused to provide any email or survey form.
Consumer complaint received 2023-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

Cascade continues to harass me by selling a disputed debt ( XXXX ) to other debt collection companies, since XX/XX/XXXX, which includes XXXX, XXXX, XXXX XXXX, and most recently XXXX. ( see attachment of all disputes made to CFPB and the AG ) {$960.00} - XX/XX/XXXX All companies Cascade has hired were put on notice by several regulatory agencies including the CFPB/OCC/XXXX about my dispute and the lack of information provided as I do not owe on this debt. 

All have reported back to Cascade - including the 3 CBR companies -but I am continued to be harassed and harmed by their lack of evidence AND their failure to comply with the dispute and the regulatory agencies.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed several letters to remove incorrect or illegal information from my credit report. They received the letters but stated they do not think I sent them. Even tough I sent my ID and address verification with the letters. 

I called them to confirm it was me, as they requested in the letter they sent back to me, and they stated they would not be addressing my complaints.
Consumer complaint received 2023-12-11
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. (MI)

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX I contacted XXXX, XXXX, and Equifax several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

Account name : Opportunity Financial # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (NY)

I had a collections balance with amerassist I made a payment plan with them and started paying in XXXX. After I started paying they never reported that I started paying instead they reported that my balance increased while I was paying so I kept disputing it because I know im paying I was giving them XXXX every two weeks and for them to report I didnt pay is unbelievable money doesnt grow on trees! I ket calling them and they gave me the run around they did this on purpose because everyother person I owed reported all my payments. By them doing this my score went down XXXX while im paying them off I was so upset no other company did this to me and even after I disputed it after I paid it off they said the information is still accurate but somehow they removed it from my report. I know that company did it on purpose I never went thru this with anyone I paid off this isnt right I STARTED PAYING IN XXXX AND IN XXXX THEY REPORT THE BALANCE INCREASED! How? If im paying because of this my score went down with this false information
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

I have been a client of Shellpoint Mortgage Servicing for many years, I have never had an issue arise through working with them. The reason I am submitting this complaint is because of a health crisis I had suffered which resulted in a late payment of my mortgage. On my credit report there is a late mark on XX/XX/2022 for account number XXXX. At the time I was diagnosed with XXXX and I had many serious health complications arise. Due to massive hospital bills and me being unable to work, I was late on this payment. This was during the time when everyone was getting the XXXX XXXX here in Florida and it hit me very hard. I have advised with an FCRA attorney regarding this incident and I was told that my rights are protected under the CARES act specifically section H.R. 748 -- 200 SEC. 4013. I have also included a copy of Section 4021 which protects my rights and from this reporting on my credit report during this period in my life. You have been notified, this late payment should not be reporting on my credit report. My attorney has advised me to write this complaint and if the late reporting is not removed for the month of XX/XX/2022 then my attorney has advised to potentially open a civil case. I appreciate everything Shellpoint has done for me and I consider myself a good customer as well. I hope Shellpoint is able to understand the hardship I have went through and remove the late payment from reporting on my credit reports.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Consumer complaint received 2023-12-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I HAVE SENT SEVERAL LETTERS AND I HAVE SENT MY DRIVERS LICENSE INDICATING MY CORRECT ADDRESS AND NAME IT STILL APPEARS INACCURATE ON ALL THREE BUREAUS.
Consumer complaint received 2023-02-16
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: ACIMA CREDIT, LLC (IL)

In XX/XX/2020 I found out 1 of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.