davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

Arbor Professional solution has placed this collection account on my credit report for XXXX this is a billing error. They have failed to provide me copies of validation I have sent multiple validation request to this company. That is viable evidence bearing my signature that i ever owed Arbor Professional Solution. This account is not accurate and should have not been placed on my report
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NV)

I had an issue with a chargeback ( insufficient funds on deposit ) in XXXX and my BINANCE US account was suspended. I have since transferred amount but have not been able to trade or withdraw but surprisingly can still make a deposit. They are holding to my money and not responsive to any queries. The BINANCE US FAQ says once settled account should return to normal within 7 days. I have submitted multiple tickets to no avail. The customer support is non existent. I am requesting your intervention as I am seriously considering legal action.
Consumer complaint received 2023-08-09
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. (IL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (GA)

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-14
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

In XXXX I spoke to the forbearance department of Huntington bank about struggling to pay my mortgage at that time so they allowed me XXXX, XXXX and XXXX forbearance of my mortgage and it would be added on end. So I checked with them in XXXX and said I will start paying in XX/XX/2021 again and they said they would be sending papers for me to sign and I never received them. In the mean time I saw an XXXX report saying I was in foreclosure. Today I received a message to call Huntington about my mortgage account so I did and the lady said I owed 3 months of mortgage and when am I going to pay it? I told her I had 3 months forbearance and she said I see that now let me get you to them and the guy gets on and says how can I help you and I told him the lady sent me to you dont you guys communicate? He said that there will be papers sent to me and I told him you told me that months ago. I am submitting this complaint because number one they put it on my credit report and two they have been very unprofessional in the handling of the whole forbearance. I am sure I could of gotten a few more months of forbearance but they explained nothing to me. I know its been hard times for all but it seems like the honest people get the shaft. Plus by that credit report dropped my score down and I would not of known had I had not been working on my credit restoration. Thanks XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (PA)

Hi, I'm filing this complaint against - BARCLAYS 's Credit Card with XXXX Rewards. 

I'm using this card for a long time ( >6 Years ) and I always have used this card for my purchases at XXXX because of the benefits they provide on purchases made at XXXX. 

Visit this for more info- https : //www.barclaycardus.com/apply/financingeducation/ The above link has all the information that you need to know before using this card. Apart from that I never had any other information until today. Basically, there are two benefits - 1. You earn XXXX points when you make a purchase 2. Your purchases go into special financing options so you can pay that within that time frame to avoid interest charges. 

Now, just today I got to know from the Barclays customer service ( Supervisor ) that for 2nd benefit, you need to call them to find if that special financing option is available or not before making any purchase. I called them because I was getting interest charges from the last couple of months on one of my XXXX purchases and I was not sure why it was happening even when I am making payments ( more than minimum payment ). 

When I called them they told me the time I made the purchase the promotion was not going on and you should have called us to determine this ... The complaint that I need to file is - They did not specify this requirement to the customers? How would customers like me get this information? Nothing is mentioned about this on https : //www.barclaycardus.com/apply/financingeducation/. When they sold the card they mentioned the 2 benefits and that's why I was using the card for a long time and now suddenly after so many years they stopped automatically special financing promotion and started a new requirement of customers call them and ask for this? 

There was no communication on this change to old customers as well? During the COVID - their phone lines were not working. They were playing automated messages on their customer lines to send a message instead of a call. I sent them 2 emails, followed up with them for 2 months but nothing happened. Today after I see another interest charge I tried to call them and luckily got connected. But during the call, they told me I did not call to confirm the promotion? How would I know that I need to call? 
And how would I call when your phone lines were down during the COVID? 

I'm not sure what would happen with this complaint. Whether any actions will be taken on them or not but as a customer they have given me a lot of mental stress. They were not supportive and they were talking like it's my mistake that I did not call and I confirmed about the promotional benefit. 

Being an old customer, today I'm very upset with their service and behavior and paid out all balances and now closing my accounts with them. 

I would like to know what actions can be taken on misinformation? 

Thanks
Consumer complaint received 2021-08-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-14
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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX  DELAWARE, yet XXXX XXXX  DELAWARE is not removing this fraudulent account. XXXX XXXX  DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  DELAWARE Bank has refused to do this. The following is the fraudulent account : XXXX XXXX  DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Consumer complaint received 2021-05-14
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. (VA)

On XX/XX/2021, XXXX XXXX conducted a inquiry to my credit report for the sole purpose of refinance my mortgage. Key findings from this inquiry demonstrated that the credit bureaus deluded their updates. I am tired of living under the shadows of credit inaccuracies and prolonged delays in updating records. Specifically, with XXXX XXXX XXXX XXXX 's perpetual financial oppression to XXXX and XXXX minorities. 

XXXX XXXX XXXX continues to misreport my payment history ( see attachment # 1 ). Credit reporting agencies are culprit by refusing to properly update my file. These economic disparities are affecting my ability to access better interest rates, economic opportunities of refinance and roadblocking financial pathways to freedom ( i.e. : XXXX 's economic repression and enslavement ). 

On XX/XX/2021, a second request for investigation was sent to Equifax, XXXX  and XXXX XXXX see attachment # 1 ). On or around XX/XX/2021 investigation results were mailed and updated ( see attachment # 2 ). The results showed on-time payment history. 

I am frustrated with inequities of a fragmented reporting system that caters to financial organizations rather than consumers. I hope the Consumer Financial Protection Bureau enforces measures that protect consumer like me. Consumers who have been neglected by credit reporting agencies and whose interests are not in line with corporations or banks.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-26
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)

I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-05-14
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. (MI)

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Consumer complaint received 2021-05-14
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. (MI)

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Consumer complaint received 2023-08-09
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I look forward to an expedited deletion of these erroneous items.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XXXX of 2020, XXXX  removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but transunion and XXXX  did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify
Consumer complaint received 2017-09-08
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. (MA)

On XXXX/XXXX/XXXX I learned about the Equifax cybersecurity breach. I visited their website at XXXX to check if my personal data was involved. After entering my information I received the following message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not aware of any new fraud or changes to my credit report at this time but am incredibly concerned about the exposure of my personal financial data possibly including my name, Social Security number, birth date, addresses and drivers license number and/or credit card numbers.