davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I received a letter dated XX/XX/XXXX on XX/XX/XXXX. Webster Bank told me in the letter that they were closing my account as of XX/XX/XXXX " due to information received XXXX. XXXX  did not make the decision to deny your account application and is unable to provide you with the specific reasons why this decision was made. '' They provided me a number to call XXXX  but when I called XXXX  to ask why my account was closed, XXXX  told me to could not provide that information. When I called Webster customer service, they told that I would need to contact XXXX  myself but I told them I already have and had already received a report from XXXX. I could not find any reason why my account would be closed from the report. They told me someone from their Fraud and Loss Management Department would call me about my account. 

I'm confused why my account is being closed. I'm very concerned that they're closing my account because they do not want to pay out the {$250.00} checking account bonus offer that they sent me in the mail in XXXX. I still have the postcard for the account bonus mailer. I have already completed all their requirements for this promotion. Their terms say : " Promotion valid for new checking accounts opened by XX/XX/XXXX. Customer must qualify for account and reside in NY, MA, or CT at time of account opening and promotion payout. Customer must have direct deposit of {$500.00} or more ( direct deposits are limited to payroll, Social Security, pension, or government benefits, person-to-person transactions like XXXX or XXXX are excluded ) between account opening and XX/XX/XXXX. OR Customer must have an average account balance of at least {$10000.00} for Premier Checking or {$1000.00} for Value Checking XX/XX/XXXX to XX/XX/XXXX. Customer must not have had an open Webster checking account since XX/XX/XXXX. At time of payment, account must have a positive balance and not be in the process of closing. Funds will be transferred into it by XX/XX/XXXX and will be reported by the IRS ; customer is responsible for any applicable taxes. Present this postcard to receive the offer. Offer is exclusive, nontransferable, and can not be combined ; one per household. Ask a banker for details. ''
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MA)

I have over {$9000.00} balance, currwnt interest rate is XXXX XXXX. Paying {$180.00} interest monthly. Monthly payment is {$200.00}. Impossible to get this bill paid off. I now have XXXX & have XXXX XXXX XXXX. Live on XXXX XXXX. need some help with lowering the interest rate, but Discover says they can not lower it any further. I want to pay off this bill without having to file bankruptcy, and still maintain my credit. I need help, thank-you
Consumer complaint received 2023-01-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have never been late on my mortgage payments. Loan number XXXX However, three months ago, l notice a huge increase in my mortgage bill. 
I called them and was told they made an error in my escrow account. l explained that they paid for the insurance bill which l had personally paid for as well. 
I had sent the cheque which was refunded back to me by the insurance company to Bank of America, instead of applying it to my escrow account, l was informed it was applied to my mortgage. They apologized and promised to make amends. 
Presently, the account shows that l was delinquent for both XXXX and XXXX payments. Upon my investigating further, l learned that the account was put in delinquent and reported to the three credit bureaus. Now l received a tax sales letter from the city of XXXX. Several collections calls and a 40+ points decline on my credit score. 
This is detrimental to my job security, as a good credit review is part of my job requirement. 
Please help Thanks XXXX XXXX XXXX
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent Certified letters to Experian and  XXXX  on  XXXX   XXXX ,  XXXX  ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  XXXX  on  XXXX / XXXX / XXXX . I also sent a fax to  XXXX  on  XXXX / XXXX / XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my  credit score h as dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XXXX / XXXX / XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Account closed with Chase via phone with account services XX/XX/XXXX. 

During the above call the balance was to be mailed and rcvd in 7 business days. 

Called account services to follow-up XX/XX/XXXX as I had yet to receive the check. 

Representative advised I needed to visit the branch as the check must have been lost. 

Visited the branch XX/XX/XXXX and XXXX XXXX called account support and they advised her the check had yet to be mailed. Branch manager engaged and advised there was no need for me to wait at the branch he would call and follow-up with me that afternoon ( XX/XX/XXXX ). 

I have yet to hear from anyone at the branch. 

Called account services XX/XX/XXXX. Rep indicated there are no notes on the account. Call was escalated and they advised they will need to cancel the check and re-issue and I will need to go back to the branch. It is a constant bounce back and forth when no resolution in sight.
Consumer complaint received 2020-12-21
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-12-22
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)

The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Society Business Services, Inc. (AZ)

I have already disputed the medical collection with XXXX, XXXX, XXXX, and also the collection agency about this inadequacy. XXXX has removed the collection unlike transition and XXXX who has not appropriately investigated the matter. I have enclosed the dispute letter that had been sent to each. Also, I have now written an appeal letter to the VA about the medical debt, and have included it with this complaint. Dates : XXXX, 2016 Amount : {$1500.00} I have disputed with bureau of Economics, the VA and all XXXX credit bureaus. XXXX responded appropriately and had removed the collection.
Consumer complaint received 2023-03-10
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. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-06-24
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (NV)

I went to the XXXX on XX/XX/XXXX and paid {$99.00}. They couldnt provide some of the services included in that fee so on Friday XX/XX/XXXX she issued me a partial credit of {$41.00} back to my card which showed up that day along with a {$41.00} debit transaction which she didnt make. I figured since it was Friday it would all be cleared up by Monday morning. It was not and Ive called them XXXX times trying to get a explanation and access to MY money not theirs and have received XXXX different answers that are not acceptable and when I requested to speak to a supervisor I was told that wasnt possible and they hung up on me. There should not be a debit on my account for a credit to my account. The credit was settled on XX/XX/XXXX and the fake debit is pending and I was told I have to XXXX business days for a settled transaction? I dont think so. There is some type of fraud here by the bank. That is my money from my paycheck and I need groceries. These banks need to be held accountable for these type of fraudulent activities. Im sick of being told I cant use my money but they can. Something seriously wrong with this!!!
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020, XXXX XXXX XXXX was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. XXXX to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. XXXX to forgive loans entirely, per the settlement 3. XXXX to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the XXXX Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact XXXX. When I call XXXX, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that XXXX is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, XXXX has removed the loan entirely ONLY on XXXX, but XXXX  and Experian, they have closed my account, but still show a balance. This is not correct according to the settlement.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$11000.00}, {$15000.00}, {$26000.00}, {$6100.00}, {$6200.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Consumer complaint received 2023-08-18
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. (NC)

My twin Sister Credit pops you up anytime I run my credit for a car or a loan this can probably be confusing but its a problem that need to be addressed and fixed I havent been able to to get a car for something thats completely not my fault I need done asap
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PNC Bank N.A. (GA)

XXXX XXXX wallet was stolen around XX/XX/XXXX. XXXX XXXX is haveing problems getting another card. I do not have any ID and do not have any money. The PNC Bank checking account gets my XXXX XXXX XXXX XXXX and my Social Security Disability direct deposited every first of the mounth. There are some that do not want me to have any money. Also there are some that want to inherit. There is alot of money that come in my name and profile. There also is website account they call it, that is from law suites. I have never got any of checks or anything from the website account. Call XXXX XXXX about the situation. Phone number is XXXX. Address is XXXX XXXX XXXX XXXX. XXXX XXXX Ga. XXXX. Birthdate is XX/XX/XXXX. Thank You. XXXX XXXX.