davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (MS)

Last 4 of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXXXXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2021-03-22
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. (PA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-12-23
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: EQUIFAX, INC. (TX)

This spring after had obtained letter from lender I've ordered my free report from Equifax online. They requested additional information such as two forms of identification and in XXXX 2019 I sent them by mail a copy of pay stub with SNN and copy of utility bill with current address as was requested. Few months passed by since that but I still unable to obtain a copy of my report. They never fixed anything and keep denying my online and phone requests. It seems even more disturbing as long they already had cybersecurity incident and normally they are not supposed to ask customer to send any documents as long they already obtained them from lenders and other third parties
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my Transunion credit report, My mortgage account serviced by XXXX shows the last credit update/activity reported was in XX/XX/XXXX. While the status is " OK '', none of my payments after XX/XX/XXXX are reflected on my report. 

Of note : The account was placed under Chapter XXXX bankruptcy on XX/XX/XXXX and discharged on XX/XX/XXXX. None of my post-bankruptcy discharge payments are reflected on my Transunion credit report. 

Transunion claims they have not received any information on this account since XX/XX/XXXX, and XXXX claims the 'account is reported per the contractual status after the completion of the discharge as per the bulye report. ' As they each blame the other party, I can not determine where the true problem exists.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a victim of predatory lending. My mortgage rate is 10 %. I obtained my loan through Bank of America XX/XX/XXXX. I was told this was the only rate for which I was qualified, so I signed for it. I had no idea that this was not the average loan rate, or that I could have received a lower rate at that or any other institution. I was stuck! In XX/XX/XXXX, I applied for a loan modification. The application was wrongfully denied for incompleteness. I appealed, the bank admitted its mistake, then denied the loan based on housing expense and income eligibility. Bank of America NEVER addressed the predatory lending issue. I have managed to remain current on my mortgage payments but it is becoming increasingly more difficult as I have been forced into retirement, and my present income is now only XXXX % of what my working income was. I just want, and now, need a lower rate. The mortgage rate Bank of America is charging me is disgraceful and insulting, especially when the subprime rate is not even 10 %. Bank of America representatives will not even address the rate terms nor the detriment to my finances since XX/XX/XXXX. Bank of America 's actions of charging me this outrageous and unfair rate can only be sighted as abusive. I have been completely taken advantage of by this institution. Through a lot of personal choices and lifestyle changes, I have as yet, made my mortgage payments on time, and because my payments have been on time, my situation has not been viewed as a hardship, although it is a hardship and it 's getting harder every month. It seems that as long as I am paying, and the bank is not losing any money, they see no need to modify this loan, lower this abusive rate, or do anything to help me stay in my house.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MA)

There were unauthorized charges on my account, as well as my credit card data being stored on a company computer without my authorization allowing for a an unauthorized re-bill. When I attempted to dispute a debt, I was forced to complete a series of step in order to discourage me from disputing the debt. First I attempted online sign in, which now requires an eight digit code that and has to be written without seeing the numbers.

It also requires rewriting the user name and pass word.

When I attempted to dispute the debt online I was blocked. Next I tried calling the company only to be connected overseas to a person who said she can not help. This was after 5 to ten prompts with notices to try using the online app that does not work for this issue. I was then given another phone number to call but only could call it within a restricted time frame.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc. (WV)

On XX/XX/2020 my daughter was seen at XXXX XXXX XXXX XXXX XXXX. They billed insurance for those services and insurance paid the amount they were supposed to. The full bill was then sent to a collection agency despite the fact that they had already been paid. The collection agency continued to try and collect the full amount from me despite being presented with documentation that the bill had been covered by insurance. I have been in contact with the debt collection agency numerous times about this issue but they are unwilling to resolve it.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

per 15 u.s.c 1681b please remove these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

On XX/XX/21 I had new tires installed at XXXX XXXX XXXX store in XXXX, MN. Went to pay and card was declined. After 2 hours of phone calls at store and 3 attempts to use Citi Card, Mastercard, I was assured 3 times this would work. Being about 40 miles from home had no way to pay other than open a store card account. Fortunately i have EXCELLENT credit score and the card was from XXXX XXXX where i have a sizable IRA account. 
After i got home I contacted Citi Card and tried to have hold lifted. Seem like you have to have bank of phones with text messages. Have one but I use Caption Call so it has a different number than the phone 's XXXX number. It is for hearing impaired number with captioned dialogue. Have one at home on my VOIP Phone also. They refused to tell me why exactly the card was on hold other then security reasons. Last charge was autopay on the XXXX for internet service, but XXXX payment on Autopay was declined. XXXX waived late fees due to my longstanding as a customer and bill was paid online using another card from XXXX XXXX I had at home. This has happened in the past also at least 3 times the card was locked or number changed by Citi Card for so called security reasons. They do not tell you this or just let it go through and contact you. All charges are pended for at least 2 days or longer. This would be much more convenient to customer than leaving them stranded at store. It wasn't that i could just put the tires back on shelf and walk out. Please look into Citi Cards Fraud Protection Department for their policies and actions.
Consumer complaint received 2021-03-22
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

On XX/XX/2021 I contacted Lexis Nexis via telephone to dispute the Bankruptcy listed on my consumer disclosure report. I was told that the Bankruptcy was verified through the courts On XX/XX/2021, I contacted Lexis Nexis at XXXX and spoke with XXXX I asked XXXX about the status of dispute concerning the Bankruptcy listed on my file. She said that Lexis Nexis contacted the Bankruptcy Court in XXXX and said that Bankruptcy Court verified it. I told her how could XXXX XXXX verify this public record when the policy from the Courts of the court not to report or provide information to credit bureaus or third party agencies like Lexis Nexis. 

When I confronted XXXX, she tried to change her story and say Lexis Nexis verified the Bankruptcy through other 3rd parties to which she did not name or could not name. 

It was very evident that there is a breakdown in the truth and the information is not truthful that is coming from Lexis Nexis.

But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is governed and regulated by the FCRA )? I find this information false, misleading, and should be removed from my Lexis Nexis Consumer Disclosure File. Under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available * The Bankruptcy Case Number listed on my Lexis Nexis is not correct.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-VISA XXXX DPT EDXXXX XXXX
Consumer complaint received 2021-03-22
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. (GA)

I was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2022-12-29
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2021-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I disputed a hotel stay at XXXX XXXX XXXX because the room was not clean, there was XXXX in the hallway along with XXXX. 

Trash was overflowing into the hallways and the only explanation given was due to COVID 19 the hotel was not fully staffed. 

The total amount of the dispute is {$1200.00} XXXX XXXX XXXX XXXX