davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} 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 2023-10-24
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. (MA)

On XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. As of the date of this letter, Equifax has not responded to my inquiry. I am writing to formally dispute the following inaccuracies on my credit report and request the necessary corrections : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3800.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report.
Consumer complaint received 2019-07-01
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. (TX)

this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

false reporting under 1681 15 U.S. Code 6802 Violations of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 


I sent a letter to XXXX XXXX  XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX and have not received a response to date but only results of continous violations reported to XXXX Wrong Addresses, invalid names and alleged debts parked on file by XXXX XXXX 
These accounts are deliberately parked on my consumer profile by XXXX and unconscionable depicts actions of unfair, deceptive acts of stealing my identity and continous unlaw practices. XXXX XXXX, XXXX, XXXX and XXXX have flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
I am relying on your office to take actions against XXXX and demand the deletions of all these unknown accounts and alleged debts of all incomplete and erroneous data immediately.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (IL)

My XXXX XXXX XXXX mother has a checking account and I am the co-owner though my name does not appear on the checks. It is at BMO Harris. My mom used to still write checks for her bills. All were small amounts save for the caregiver company and her XXXX account ; but those were never over say {$1200.00} at a time. 

In mid XXXX, my mom wrote 4 checks for various utilities and a donation and i deposited them in the local XXXX XXXX XXXX of the local XXXX XXXX XXXX XXXX. XXXX, specifically, where many residents are elderly. 

About 3 weeks later my mom got mailed notices that 4 checks had been cashed from her account for {$9800.00}, {$7500.00}, {$9700.00} and {$9800.00}. We immediately went to the local BMO to register these as fraudulent. However, were told that it takes 3- 6 months to investigate and retrieve these checks. ( The money was only in my mom 's checking as her care giver bills are increasing, and she took money out of an IRA - a perfect storm. ) Now 3 months later, only 1 {$9800.00} check has been credited to our account.

My Mom is XXXX. soon to be XXXX  Really??? 3-6 months???? 

i write because : 1- clearly BMO Harris does not have adequate checks and balances on elderly people 's, or anyone for that matter 's, accounts. UNCONSCIONABLE. ( I was told by a friend at XXXX that monitoring the elderly 's accounts is XXXX there. ) 2-BMO Harris has a very obscure complaint department. You can only really contact your local branch, who is frankly 100 % out of the loop and powerless. They repeatedly say, " it is being investigated in the Fraud Department. '' but a consumer can not reach the Fraud department. Nor does that Dept. give any info to the local branch.

3-And perhaps most importantly, we were told the 3 other checks, not yet credited, were cashed at XXXX XXXX XXXXXXXX and BMO was waiting to resolve this with XXXX XXXX XXXX. These are FIDUCIARY institutions. THEY made the mistake - yes bothXX/XX/XXXX and BMO - of cashing checks to people who had CLEARLY WHITED OUT my mother 's written amounts, with 3rd grade handwriting. Because they lost money, and are arguing as to whose fault it is, why should the innocent consumer be made to pay? They are holding our money in fiduciary trust- it is not their money to decide when we should get it back. 
I WOULD LIKE OUR MONEY BACK WITH INTEREST IMMEDIATELY. They are borrowing our money because they made a mistake and can not resolve it quickly. And yes, the irony that my mother 's Credit Card for which we would have to pay interest if the " borrowed funds '' are not paid back on the due date is held at BMO Harris only adds salt to the wound. This lack of immediate return seems a direct violation of their governing laws.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

The property address is XXXX XXXX XXXX XXXX Ga XXXX XXXX. My loan was included in a Chapter XXXX bankruptcy, whereby the court ordered Bankruptcy petition Plan ( the Plan ) included set payment amounts ( {$140.00} monthly ). 
2. I began making the payments to the mortgage company exactly as specified. 
3. The servicer was changed ( or loan sold ) and I re-directed my payments to the new company ( BSI ). 
4. After a few months, the new company began rejecting my payments, stating that they had no knowledge of the Plan, and started the foreclosure process. BSI states that they are refusing the payments because the loan is in foreclosure. 
5. After much calling, faxing and emailing, I was able to get the company to recognize the Plan, which had been made an amendment to the original Security Deed and recorded with the State of Georgia. They adjusted their records, including loan balance, payment amount, interest rate, etc. They continue to refuse to accept the payment. They continue to charge fees for taxes and insurance ( via an escrow account ) even though the Plan specifically states that I am to pay the taxes and insurance directly : NO ESCROW ACCOUNT. The payments I've been sending ( {$140.00} ) are, of course, less than the amount they are requesting since the escrow amount is INVALID. 
6. I have sent the company emails demonstrating that I've made each payment for the past 5 years and have sent proof of the insurance policies established and tax payments made.

7. I requested but have not received via email a Statement of all of my Post Petition Payments and fees. 
8. The company has sent the last mortgage statement, indicating that the amount due is over {$4000.00}. This amount includes fees, property inspection charges, and grass cutting fees of over {$1900.00} each. Note that BSI NEVER CUT the grass ; I had the grass cut and paid the lawn contractor directly. I have requested a summary of all fees that have accrued on the account. None of these fees are valid since no payments have ever been missed. If BSI can indicate any payment of {$140.00} that I have missed, or any tax/insurance payment that I failed to make, I will send them the corresponding funds asap. The late fees and charges should be removed asap, as they stem from a balance that should never have accrued. 

I have and will be including all of my records : notification demonstrating each of the payments mentioned, a copy of the Statement, the Foreclosure Notification from BSI, my Bankruptcy Plan documents, the email thread between myself and the servicer, the names and email addresses of each of the supervisors to whom I've spoken, etc.
Consumer complaint received 2023-01-20
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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. (NY)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have tried to apply for an account with XXXX ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use XXXX
Consumer complaint received 2023-03-01
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. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The false information on my credit report has to be investigated, amended, or completely removed : ( Original Creditor : ) XXXX Balance : {$910.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MT)

XX/XX/XXXX Hello, Around XXXX, I owned my first house. My loan was through Wells Fargo. During the time of ownership, I secured a Second Mortgage from Wells Fargo. In order to qualify for the loan, I had to open a Savings Account through Wells Fargo and put in {$500.00} in that account. 
One of the stipulations of that account is that I had to keep the 2nd Mortgage account open for a minimum of 5 years or I would lose my {$500.00}. 
As life happens, I got married and we sold the house. This sale happened within a year or two after receiving the money for the 2nd mortgage and I paid off the 2nd mortgage loan. 
I never received my {$500.00} dollars back from my savings account when I attempted to withdraw the funds. I inquired why they would not let me have my money back. I was told because I did not satisfy the requirement of the loan. I told them I paid the loan off early because I sold the house. 
They thanked me for paying off the loan but still wouldn't give me back my {$500.00}. I said to them, then keep the 2nd mortgage active until the 5 years are up. They responded they couldn't because I sold the house. I said, " RIGHT? '' So give me back my {$500.00}. They said they couldn't but I could speak to a Supervisor. I tried multiple times to speak with the male who was in charge but he was always busy or not in his office. He would not even return my phone calls. 
I don't remember his name. 
I know this is a long time after I had that account. I tried to get my money back, I tried to communicate, but Wells ' Fargo would not. They took my money and it is and was wrong then AND NOW. I ONLY WANT WHAT I PUT IN THAT SAVINGS ACCOUNT, {$500.00} Thanks
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-03-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OKCoin USA Inc. (AZ)

I open an account with the company call okcoin and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ XXXX transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to okcoin account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ I file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection XXXX XXXX XXXX saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-01
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. 

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 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Adjusters ) # XXXX, XXXX XXXX XXXX XXXX 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Conn's, Inc. (AZ)

submitting a complaint with the CFPB To Investigate outstanding accounts with conns and past accts. I have added the account information below to the Conn installment loan I am inquiring about *CONN APPLIANCES INC account # XXXX XXXX XXXX