davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (NE)

Equifax will not delete a Medical Collection that has been paid to the Original Creditor XXXX XXXX XXXX XXXX XXXX, in which Equifax has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the XXXX XXXX was paid in full. This is now also in violation of the new rule that unpaid XXXX XXXX of less than {$500.00} will not be reported on Credit Reports starting XX/XX/2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, 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, have 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.
Consumer complaint received 2024-03-27
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. (CA)

I am submitting this complaint to dispute the correctness of specific information within my credit report. Enclosed, you will find the necessary documents highlighting the disputed items. It is imperative that the inaccuracies or omissions I've identified be rectified or eliminated. 
To substantiate my claim, I have included copies of my driver 's license, utility bill, and XXXX XXXX XXXX. I urge you to promptly investigate these matters as they are negatively impacting my financial situation and causing distress in other areas as well. Your swift attention to this issue is greatly appreciated. 
Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 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 2023-06-07
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: Bread Financial Holdings, Inc. (OR)

On XX/XX/2023 I received a Hard Inquiry with XXXX from Comenity Bank/Arhaus . I called the bank and they stated that there was an application put in for a credit card with Arhaus Furniture. I advised them that this was fraud and I needed it reported. They reported it as fraud and canceled the application.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I made a payment to Bank of America for XXXX dollars after logging in on their website at : https : //billpay-ui.bankofamerica.com/imm/PaymentCenter/Index/8404. 
Bank of America says there is no such account, has received the money and says there is nothing they can do. Bank of America has committed fraud by placing a fake account to receive payments and the denying payment was received.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (GA)

Global Lending wrongfully repossessed my car from the tow yard after I was in a bad car accident. I was rushed to the XXXX via ambulance. On XX/XX/XXXX, I went to get our belongings out of my car only to find out GLS had it towed away unbeknownst to us on the XXXX. I've NEVER missed a payment! I never saw my car again! A month later at a repo yard called XXXX XXXX, we were told by global lending that we could pick up out things. We didnt revive anything back but {$20.00}, my tag and paperwork out of the glove box. The accident was on my birthday and I had {$200.00} in cash and a XXXX XXXX bag, with the matching sun glasses. My husband had expensive cologne in the car and other things. Basically, someone had stolen from us. We never received the belongings that were missing out of my car. GLS wouldnt tell us is why our car was towed or where for months. On XX/XX/XXXX, we received a letter that our car was a total loss from Global Lending. Which is odd because claims adjuster do that not lenders. The at fault party could never look at my car because GLS already took it before an adjuster could assess it. Global lending reported our car as a repo on me and my husbands credit on XX/XX/2022. Global Lending started adding extra fees on my account that they couldnt explain. I had to pay for a rental out of pocket because GLS told my insurance company ( XXXXXXXX XXXX  ) that my car was repoed. XXXX wouldnt cover it because of this. I want my money back for paying 4 months of car rentals out of pocket because they lied on me and we want reimbursement for our belongings that were in my car and the mental pain and suffering they caused me while I was recovering from a XXXX XXXX XXXX XXXX XXXX I cried everyday because we were being shamed and embarrassed as if we didnt pay our bills. Its a lot. I have proof with letters, emails and text messages about the whole ordeal.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (UT)

Basically I added a friend 's card on my account to transfer money with my friends permission, and Google Pay suspended my account. They have asked me to verify my identity, and I've sent them all the documents they required and still my account is suspended with no response from them at all. I have cooperated with them on every level. I've jumped through all of the hoops. But when I've called into customer service it's a dead end and they can't tell me any details about why it is suspended. They can't tell me any details related to my account about whether or not they have received the verification. I've clicked on their resolve links hundreds of times. Because my Google pay account is suspended it has limited my ability to handle my financial matters. It has made it very difficult to use my phone since I get an error message every where I turn. I believe I have been treated unfairly and with unprofessionalism.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary 2020 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ 164 Monthly payment - Last payment dateXXXX XXXX XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-18
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. (PA)

I have no knowledge of the Radius Global Solutions account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am a victim of having my personal information leaked in the Equifax leak announced in XXXX 2017, as verified personally on their website, https : //www.equifaxsecurity2017.com. Information leaked, according to the company, includes my Name, SSN, Address, birth date, and credit card  numbers. A leak of this scope and nature puts me at critical risk of identity theft and potential ruination of my entire personal, financial and credit status.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX ( Original XXXX XXXX XXXX ) XXXX : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has closed my credit card without explanation. I reached out to the customer service and was told there's nothing they can do and they won't tell the reason. I have been having this credit card for a long time and I put most of my spending on this card. It has great peaks and I like this card a lot. The only flag I would see here since it is my main credit card and I used it to purchase a lot of XXXX XXXX XXXX tickets and some of the tickets got returned so there are some refunds that put back to my card after XXXX months later. Other than that, everything else are regular, normal day to day spending.
Consumer complaint received 2023-05-03
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. (TX)

I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WA)

This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by American Express. That agency apparently is no longer involved. Recently I was contacted by another collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an American Express card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an American express card, however XXXX is now attempting to collect this unpaid balance ( on behalf of AMEX ). This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.
Consumer complaint received 2024-03-27
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an error on my credit report. I recently reviewed my credit report and noticed that there is a bankruptcy item listed that is not accurate. I have never filed for bankruptcy, and this item is negatively impacting my credit score and my ability to obtain credit. 

I contacted the credit reporting agency to dispute this error, but they have failed to correct it within the XXXX timeframe required by law. I have provided them with documentation showing that I have never filed for bankruptcy, but they have not taken any action to remove the erroneous item from my credit report. 

I am frustrated and concerned about the impact that this error is having on my credit score and my ability to obtain credit. I am requesting that the credit reporting agency immediately remove the bankruptcy item from my credit report and take steps to ensure that this type of error does not happen again in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2023-02-11
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: NAVY FEDERAL CREDIT UNION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-05-15
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: Fidelity National Information Services, Inc. (FNIS) (CA)

ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.