davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (UT)

1. My XXXX address fails to reflect the unit # XXXX. That needs to be added. I never submitted any change to them therefore am not responsible for reporting or submitting it incorrectly. 

2. XXXX XXXX  XXXX # XXXX has an incorrect date of closing in XXXX. It was paid off in XXXX. Please see attached. 

3. XXXX # XXXX & XXXX # XXXX - both accounts are past their expiration dates. The account is not in good standing and its expiration date from date of open is XX/XX/XXXX. XXXX was purchased by XXXX and needs to be removed too. Equifax used dates of disputes for inaccurate reporting as the creditor updating the account or it looking like I made payments when I didn't. They shouldn't be legally allowed to change dates due to disputing inaccurate information as a " last reported '' or " last active '' date in an illegal attempt to leave it on past its 7 year expiration. That's what they're doing with these 2 accounts. There is no legal reason for either of these accounts to remain on my credit. 

4. XXXX # XXXX - this account is now nearing its 10 year expiration as of XX/XX/XXXX. There hasn't been any activity on this account for years. I filed a Borrower Defense claim and haven't paid on this account long before COVID hit. We won our class action lawsuit against the Board of Ed. Their contract expired after that. This account has reached its 10 year expiration and needs to be removed effective immediately per FCRA.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

The Debt to Phoenix Financial Services is inaccurate and the ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Hospital Acknowledged on XX/XX/2021 that the debt was paid in full by the updated insurance carrier that was effective at the time. XXXX XXXX XXXX received a full payment of the bill that was improperly billed by their staff on XX/XX/2021. I brought the information to to debt collector and the credit bureau and they are stating a debt is still owed when there is a {$0.00} balance for the date of service in question.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

They keep closing ym account. In 2020 they closed my account for no reason at all! I did absolutely nothing wrong but because im a young XXXX man they assume im trying to do something wrong with my account if I try to send money with XXXX to another bank account because chase is walking distance to my home vs the other bank I use. It makes no sense these people are XXXX!!! 

I got a auto loan with chase a month ago and i had my online account setup so I can view my account details and pay my bills. Today I added a checking account planning to direct deposit my salary into chase and use chase instead as my bank because I prefer the app and online website. Hours later when im trying to sign in they locked my online account and I called and they won't provide any info as to why I can't have a checking account. if there's no reason its obviously racism. 

Not only did they lock my checking account I can't login to my online account to view my auto loan and pay my bill. They want me to miss out on paying my bills so they can now destroy my credit!!!
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on SOURCE RECEIVABLES MNG ( Original Creditor : XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-14
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. (TX)

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

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 2021-09-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (MD)

MOHELA is a third party debt collector who has been reporting false information to consumer credit reporting without my consent. 
I have tried to resolve this issue for a long time. They have disregarded ALL laws.

Per 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights and the alleged debt was paid in full with my Master Promissory Note. My promissory note is a negotiable instrument. Please see attached a copy of my promissory note.
Consumer complaint received 2024-03-14
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. (NJ)

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-09-28
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: TD BANK US HOLDING COMPANY (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. XXXX XXXX XXXX violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2021-09-28
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. (LA)

Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I called Shellpoint Mortgage in XX/XX/XXXX to request a forebearance to avoid negative reporting on my credit due to my continued financial hardship due to COIVD. I was told that I could have a 3 month forebearance and that the process was started right away. It was my understanding that my credit would not be affected. In XXXX, I finally recieved an SBA loan and I was able to get caught up on my payments, and bring my account current, but Shellpoint has reported me 30 days and 60 days late on my credit. Prior to COIVD I had excellent credit with no late payments and made it through XXXX amd XXXX without any late payments until this reporting by Shellpoint. It seems to me that since I was told that I would be given a 3 moth forebearance in XXXX and that I was able to pay my account current at the end of the 3 months that my credit should not be negatively affected. I do not understand why the company would want ot cause this type of harm to someone in such a devisating time.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WI)

I noticed on my last statement I was receiving non Wells Fargo atm fees. This is something I have never had before. I called in and the first representative said they needed the dates of the fees or they couldnt be looked up. I knew that was incorrect and requested escalation, the next representative also said they could only look up by dates the fees were assessed as well. Im tired of being lied to by Wells Fargo. I told the representative to look at the past 90 days an amazingly she could see the fees and kindly offered to reverse 2 of them. They have the nerve to lie to me and treat me like Im not intelligent enough to know they have all the fee information right in front of them, what an insult.

This company continues to show how they are out to defraud the consumer.
Consumer complaint received 2023-01-22
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. (AZ)

On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX Collection AccounXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,
Consumer complaint received 2022-04-16
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}
Consumer complaint received 2021-09-28
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. (FL)

In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (SC)

I am a XXXX who experienced a financial hardship due to a mandatory decrease in pay by my XXXX  / employer secondary to a decrease in XXXX  XXXX  outside of COVID. I applied for Covid Relief Hardship with PNC on XX/XX/XXXX and again for an extension on XX/XX/XXXX - both of which are notated in their system and confirmed to me by one of their escalation managers on a recorded line ( XXXX XXXX on XX/XX/XXXX ). I was never assessed a late fee until XX/XX/XXXX and the late fee was refunded on XX/XX/XXXX as it was assessed in error. I received an approval letter for the Covid Relief Hardship from PNC dated XX/XX/XXXX. The letter states that the application was approved and no late payments would be reported. Additionally, the account status would show no late payments or be assessed late fees. However, late payments were in fact reported to all three CRAs for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all during the time of the COVID Relief Program. I learned of this after having my credit report pulled on XX/XX/XXXX and saw the " reported delinquencies ''. I have reached out to PNC multiple times since XX/XX/XXXX by phone, email, written correspondence, and in person in a local branch. No resolve is being given and they continue to refer me to additional departments to " handle my complaint ''. Even the local branch can not see a late fee being reported, but does not have the ability to intervene as the company has outsourced most of the departments such as the HELOC Service Line.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (NE)

I have had many credit checks and monitoring and netcredit keeps saying they can not verify my identity and can not elaborate but i checked with the companies they use and they all reflect what I put on the loan application.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Back in 2019 I had a Wells Fargo account and there were instances where Id make a deposit at an atm and they wouldnt disburse the funds. Ive contacted claims since then and got the issue resolved. After that they was a simple conflict where I made a mobile deposit as well as cash deposit inside with a teller and they claimed my deposit was fraudulent because i instantly XXXX the money out. I again contact claims. They made an investigation, came back and said there was nothing they could do so I escalated it to a higher source provided all my documentation and still nothing resolving it. Then they later charged my account for the same amount I deposited and said it was because I made a fraudulent deposit
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'VE REACHED OUT TO TRANSUNION ON XX/XX/21 @ APPROX XXXX. I WAS INQUIRING ABOUT FRAUDULENT INQUIRIES AND ACCOUNTS ON MY REPORT. I SUBMITTED MY POLICE REPORT, DRIVERS LICENSE AND A BILL SHOWING CURRENT ADDRESS TWO WEEKS PRIOR TO THIS CALL TO TRANSUNION. I WAS INFORMED THAT MY POLICE REPORT WASN'T SUFFICIENT IN WHICH I DON'T KNOW WHY BECAUSE I'VE USED THE SAME REPORT WITH ALL THE CREDIT BUREAUS AND NEVER HAD AN ISSUE. I ASKED TO BE TRANSFERRED TO A SUPERVISOR AND WHEN I SPOKE TO THE SUPERVISOR HE WAS VERY RUDE AND THEN PROCEED TO TELL ME THAT MY FTC REPORT THAT WAS UPLOADED ON XX/XX/21 WASN'T SUFFICIENT EVEN AFTER A REPRESENTATIVE INFORMED ME WHAT NEEDED TO BE SUBMITTED. THE SUPERVISOR WAS VERY RUDE AND I HAVE NUMEROUS OF INQUIRIES ON MY REPORT THAT ARE FRAUD AND NEEDS TO BE REMOVED ASAP. ITS OVER 30 FRAUDRULENT INQUIRIES ON MY TRANSUNION REPORT.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied for Citi XXXX card with the offer " spend $ XXXX within 3 month and get XXXX ThankYou points ''. I completed the requirement within the first billing cycle, but the bonus didn't post. I reached out to Citi 's customer service multiple times, but they gave me an excuse saying I closed the same type of account within 24 months so I didn't qualify for the bonus. But the truth is, I closed my previous Citi XXXX card late XX/XX/XXXX, and opened my most recent one on XX/XX/XXXX. This is clearly beyond the 24-month window. When I asked them what the closing date of my previous XXXX card was, they refused to provide the date, knowing that this would only prove my point. I feel very frustrated to be the victim of " bait and switch ''. The application left a hard inquiry on my credit report, and I have to pay {$95.00} annual fee on this new card. I feel I deserve the advertised XXXX points given that I satisfy all the requirements.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

LVNV FUNDING LLC is a third party debt collector. I do not have a contract with them. They fall under the FDCPA. They have been collecting on a debt already paid. They are in violation of 15 U.S. Code 1692e.False or misleading representations and 15 U.S. Code 1692c - Communication in connection with debt collection. They have been reporting false information to consumer reporting agencies without my consent.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my negotiable instrument which is my social social security card pursuant to 15 USC 1602 ( l ) to Creditor XXXX XXXX XXXX XXXX. 
16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-09-28
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. (FL)

In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  XXXX  XXXX  XXXX  Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report.