davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
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: Transfinancial Companies, Inc (LA)

I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX  2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

I contacted capio partners collections due to receiving a email regarding a change tonmy credit report. It stated I was hit with a medical bill of XXXX from XX/XX/XXXX I contacted the collection agency right away. The first agent I spoke with they attempted contact by mail and email and was not credit reported yet. I advise the agent it was reported and that is how I found out. The number on file was never my telephone number and the address they used is a very old address from XXXX. I was never notified of the debt as the insurance is under my child father and lives in a different state so I would not receive the bills. I contacted the hospital and agency to request record of hospital documents from that day as it would have my updated correct information. If the hospital and agency would have reviewed the documents from the debt they are stating I owe. I would of been contacted and the debt would of been dissolved and would not of effected my credit report. The agency refused to place it ima. Dispute status. I had to do this my self. I want this removed immediately as I was not notified to allow the opportunity to resolve the debt. If it not removed and settled with me correctly I will file legal action.
Consumer complaint received 2024-04-03
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CA)

BMO acquired Bank of the West and notified us in advance that everything would carry over and no issues would arise from this transfer and all our information ( including login information for online banking ) would be usable on the BMO website. However it appears that not only did the information not carry over but the Bank of the West debit cards are no longer working so i can even check my account or use my money at all.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (SC)

OCWEN Account number XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Consumer complaint received 2024-04-03
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. (MD)

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX  USA XX/XX/year> XXXX. XXXX XX/XX/year> 2024
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I booked a XXXX rental car through Citibank thank you points and needed to change the dates as I could not travel. When I tried to change the dates or cancel and create a new reservation, I was told that I would lose the over {$300.00} in points I used for the car reservation. This is not fair or right that they would not at least allow me to change the dates of my reservation. I contacted Citibank, I contacted the thank you points department and I contacted XXXX rental car. None of them would help me. 
Citi Thank You Booking ID : XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (GA)

I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

I sent the credit bureaus letters asking them to verify correctly.My credit report is still showing inaccuracies.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( XXXX ) In general. The XXXX period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-Equifax Information Services LLC : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

On XXXX XXXX chime closed my account. I emailed them they told me to contact XXXX XXXX. So, i called them they send me back to chime. Chime said i validated one of there policy nad they closed my account and denied me my funds. I called the VA to get me a new check sent they said they can't. I have bills were due on the first of XXXX. Bills are truck payment, car insurance, cell phone bill, private student loan, internet bill. I can't order part for my truck i don't have money now.
Consumer complaint received 2023-08-24
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: U.S. BANCORP (MO)

A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and US Bank in order to get the issues cleared up. US Bank has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, US Bank seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet US Bank ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX XXXX XXXX XXXX  Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may  be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to Experian, XXXX and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Consumer complaint received 2023-08-23
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. (PA)

I always go on XXXX XXXX to check my credit score. I should only have one card open on my account which is XXXX XXXX XXXX XXXX It says there was an update on my account on XXXX XXXX on XX/XX/2023 and it said that I had an account open for a year and one month in the name of it was community credit/Pierier it says the amount that was open was {$350.00} credit limit. It says there was 0 % usage but it says it was open the year ago. I have not seen anything like this on my account. I check my account frequently like once a month and I never saw this until today. I did take a picture of it as well. I just didnt want it to affect my credit. I called two different banks that I thought the credit card was with, but both of the bank, said that it is not a bank that they even recognize, and that it could be credit fraud. I just wan na double check to make sure nothing is on there that I did not do. Thank you so much for your time.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I've had an account with WellsFargo in XXXX and I haven't received or gotten availability to reach my funds of the account which was around the amount of XXXX USD, I was awarded that amount of money from winning in court against a Foster care facility that placed me into a XXXX XXXX  after XXXX, Wellsfargo was my 1st banking account and I've been struggling ever since. 


Please assist and I hope to hear back from anyone of you soon.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (WI)

I applied for a balance transfer offer through U.S Bank credit card services, in which I was approved. so I proceed to do the balance transfer to pay out a debt to XXXX XXXX  for the amount of {$6300.00} dollars with a 3 % fee for the transaction, After couple of days I called to see how long will it take for the process of the transfer, the agent told me it would usually take 5 to 7 days that called was made on XX/XX/2023. On XX/XX/XXXX I called U.S. Bank and an agent said the transaction should be complete any day now and to call back. On XX/XX/XXXX I called again and the agent told me that the transaction was on hold and I asked why? She responded by saying that some times the system would do that. I told her ... because of this delay on their behalf I wouldn't have enough time to make the payment for the due date on my XXXX XXXX which was under a promotion that was going to expired. She did apologize for the inconvenience and she told me that at this point was going to take more than 5 days to send the transaction to the destination because they had to cut a check and send it via postal office. When I heard that I told her that it was too much time, so she told me that cancelling this transaction was an option, In which I told her YES please cancel this transaction in which at the time was still on hold. The agent proceeded to canceled the transaction and gave me a confirmation number for the cancelation that was made.. At this time I decided to use another credit card to do the balance transfer in which only took 3 days to complete the process. 
On XX/XX/XXXX I noticed that U.S Bank sent the payment of the balance transfer after I had alreay canceled the order. I explained the situation to an U.S. Bank manager which I can't disclose the name. I asked him what can I do now?, he recommended for me to contact XXXX XXXX  and ask them to return the money back to U.S Bank, in which I did contact XXXX XXXX  and the agent told me that via SCH is blocked the only way to do it is sending me a check in which I agreed. 
As of today XX/XX/XXXX the {$6300.00} dollars has being deposited back to U.S bank, returning the money of the transaction. The situation is that U. S bank is charging me the fee of the transaction, in which wascanceled in the first place, I contacted 2 more managers and they said they won't waive the fee, I told them to check the recordings of me talking to the previous agents to find out that the mistake was on their behalf but they just ignored me and won't take responsability for their error and incompetence. This is an ILLEGAL charged because because there was a stop on this transaction over the phone in which was recorded and confirmation number of the cancelation on file to prove their wrong doing. Is not my fault for their miscommunication and lack of ability to handle their business. PLEASE HELP. STOP FRAUD
Consumer complaint received 2023-08-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (CA)

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX consumer credit Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX