davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (NV)

I sent a letter on XX/XX/22 to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX  XXXX Balance : {$32.00XXXX 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 2024-03-16
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-02-05
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. (NJ)

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXXTo later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous and believed to malicious to tarnish my credit history as retaliation for filing bankruptcy.This file has yet to be updated properly.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I had a chase checking account about 15-20 years ago it was closed they never told me why and till this day I cant open a new account with them. If I owe money I will be willing to pay them I just want to open a chase bank account its the only bank thats convenient for me.
Consumer complaint received 2022-01-01
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: Experian Information Solutions Inc. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX  and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my Experian Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2023-08-08
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: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.
Consumer complaint received 2022-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2022-11-14
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: GFS II, LLC (VA)

FACTS INVOLVING THE REPOSSESSION The XXXXXXXX XXXX state that on XX/XX/2023 they made a partial payment to Gateway Financial in the amount of {$310.00}. Their required monthly payment was {$590.00}. At the time XXXX XXXX made an arrangement to pay the remaining {$280.00} and any late fees associated on Thursday XX/XX/2023. Gateway Financial continued to call repeatedly requesting payment and XXXX XXXX reminded them of the verbal agreement made on XX/XX/2023. XX/XX/2023 XXXX XXXX parked our car in front of our residence. XX/XX/XXXX, Thursday XXXX, XXXX XXXX went outside and noticed our vehicle was gone. XXXX XXXX contacted XXXX XXXX XXXX 's office and was advised our vehicle had been repossessed. They provided Me. XXXX with the location of the vehicle. XXXX XXXX went to see the vehicle and noticed severe damage to the vehicle and one or more flat tires. It was parked in the back of a business covered in mud. The car had been damaged in the repossession to the point that it is not able to be driven from the lot. Before the repossession the vehicle had no damage and did not have flat tires. Both parties state the following A verbal agreement was made for a payment to be made on XX/XX/2023. 
A partial payment was made on XX/XX/2023 in the amount of {$310.00} Gateway Financial continued to contact XXXX XXXX after making the verbal agreement and never once warned of scheduled repossession. 
Gateway Financial repossessed the vehicle on XX/XX/2023 in the early XXXX 
Gateway Financial sent a letter to both XXXX and XXXX XXXX that never disclosed the amount to get the vehicle back or location. 
Gateway Financial failed to protect the consumer from substantial loss. 
Gateway Financial engaged in unfair, deceptive and abusive acts when reposessing vehichle. 
Gateway Financial never sent default letter and chance to being current as required by state law for reposession Damages severely decreased value leaving large amount due on consumer Gateway took veh after being 17 days late on a half payment ALL DOCUMENTS PROVING FACTS AVAILABLE
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, Equifax and XXXX to remove an account that was mislabeled as a foreclosure. After XXXX XXXX made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : 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 2021-07-01
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: 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 2016-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MI)

There is a Bankruptcy that appears on my credit report that should not be associated with my social security number. I 've been disputing this with all XXXX bureaus, and XXXX and XXXX accepted the paperwork from the bankruptcy court that confirms for my social security number there is no record of a bankruptcy going back to 1992. When providing that to Equifax they are advising me the courts confirmed the bankruptcy is mines, however, they have no paperwork confirming this. I have reached the end of my rope with Equifax and am now looking for additional assistance.
Consumer complaint received 2020-03-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (PA)

Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I recently opened a checking account with Suntrust and I am awaiting a transfer with my previous institution. I recently acquired 7 overdraft fees posted to my account on XX/XX/XXXX. I am holding myself responsible for 1 acquired fee, although the remaining fees are inaccurate. I received fees after a merchant decided to charge for gas pump charges one week after the charge was made. Suntrust decided to charge me overdraft fees for every purchase made after that charge. Stating that the account was overcharged from that day although the overdraft was not reflected on my available balance nor charges showing the correct pending amount. The charging of fees for charges that where not posted nor pending on my account till the XXXX is absurd. I spoke with customer care in which a representative was able to remove four overdraft fees upon viewing the systematic mistake made.The representative did all that she could do on her end but could not remove any additional fees. I have then spoken with a overzealous manager who refuses to remove the remaining fees from my account. I am in need of getting the two remaining inaccurate overdraft fees removed. I would like to continue a relationship with suntrust comfortably I can not do so if they can not fix simple overdraft fee mistakes. I am hoping that I made the right decision to transfer my life saving into a truist account.
Consumer complaint received 2021-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SC)

1. 0n XX/XX/XXXX my wife and I put our house into forbearance due to my wife having her work hours cut due to the XXXX XXXX. 
2. At the end of XX/XX/XXXX, I called my mortgage company, US Bank, to start the process of getting out of my forbearance. I was initially told that since I had a VA loan, the mortgage company was waiting for guidance from VA on how to proceed with modifying VA loans that were put into forbearance. The representative asked if I could start making payments and I said I could. I started making payments again in XX/XX/XXXX. 
3. I called every week to get a status update and every week I received a different answer about what was being done with my forbearance. 
4. On XX/XX/XXXX I received a call from a representative asking what I was able to do/not do where my forbearance was concerned. I was told it would take thirty days to complete my evaluation. 
5. On XX/XX/XXXX I received a call from a representative stating that my loan modification had been approved, I should be receiving paperwork from underwriting within thirty days and that I didn't need to make a payment for XXXX but I would for XXXX. 
6. On XX/XX/XXXX I had yet to receive any paperwork from underwriting but I still made a payment for XXXX. 
7. On XX/XX/XXXX I received a letter from underwriting, stating the terms of my loan modification, I had until XX/XX/XXXX to appeal the modification and I didn't need to make a payment until XXXX. I didn't appeal the modification. The paperwork also stated that I would receive more paperwork by XX/XX/XXXX, for my wife and I to sign for the loan modification. 
8. As of this date, XXXX/XXXX/XXXX, I have yet to receive any paperwork for my wife and I to sign to resolve this forbearance. 
9. I have called and emailed numerous times and even filed a complaint, within US Bank, and I still keep getting the same answer that they are working on it. 
10. This paperwork should have been started on XX/XX/XXXX, since I didn't appeal the loan modification. 

Now eight months later, we are no farther along than when we requested to end the forbearance.
Consumer complaint received 2023-10-19
Product: Credit 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: CITIBANK, N.A. (OR)

Citibank My Citi Prestige card annual fee came due. I paid the {$95.00} annual fee, but then downgraded the account to a Citi Costco card. The fee was refunded and I had a positive balance of {$95.00}. Citi was supposed to refund this via check. Instead Citi closed the account ( # XXXX ) and will not refund my positive balance on the account. I have called on multiple occasions. The last 2 times I called we XX/XX/23 & XX/XX/23. The account was closed in XXXX. Every time I reach out they say they will send me the check to refund, but the check has never arrived. I know Citi has the correct address on file, because I receive and advertisement from them almost weekly addressed to me ( typically a favorable loan agreement is the advertisement ).
Consumer complaint received 2022-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (HI)

XXXX XXXX XXXX XXXX via XXXX XXXX ( third-party service provider for XXXX XXXX XXXX XXXX XXXX ), and Phoenix Financial Svcs ( debt collector ). 
There is a current mark on my credit report pertaining to an ER visit at XXXX XXXX XXXX on XX/XX/2020. This debt was sent to collections ( Pheonix Financial Svcs ) by XXXX XXXX XXXX XXXX via XXXX XXXX. 
The amount requested by the debt collector is : {$1000.00}. I did receive one statement from them during the month of XX/XX/2020, however, this statement appeared to be fraudulent due to the fact that it should have been processed through my health insurance provider. I was in contact with the hospital through the settlement of my bill, and I was notified that everything would be processed directly via XXXX XXXX XXXX. Since I had ignored the statement believing it was invalid and fraudulent, this bill was not paid and was sent to collections ; seemingly unpaid for by XXXX XXXX XXXX as well. I am now unable to get into contact with XXXX XXXX XXXX XXXX and Pheonix Financial Svcs - I have tried filing disputes through credit reporting agencies, requesting validation of the debt to be collected through the Pheonix Financial Svcs website contact form, calling numerous times over days, and I also have tried calling in and sending in message forms through the XXXX  website contact page. 

I've had one reply from XXXX, in which they responded to me with a request to contact them by phone. My disputes filed through the credit reporting agencies did not make any difference either, as the debt collector was alerting credit reporting agencies ( XXXX, XXXX ) that the collection is valid and still outstanding.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Greenberg, Grant & Richards Inc. (FL)

I was contacted by greenberg grant and rich about a debt that had nothing to do with me personally. It was associated to a failed business that me and my partner attempted and now they are making false inquiries on my credit and calling me repeatedly after I told them not to. I told them I will contact cfpb and they said that theyre not governed by cfpb.
Consumer complaint received 2021-07-01
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: CAVALRY INVESTMENTS, LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Consumer complaint received 2021-07-01
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. (CA)

Ive disputed with Equifax three separate occasions over the past 90 days an unverifiable item that is on my report. They have not removed it, they have not responded and there is no creditor/collection company name on this account to contact. This is a violation of the FCRA.