davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

I received a credit card from XXXX XXXX several years ago that was attached to my joint account ( with my husband ) at Fidelity Investments. Approximately two years ago, Fidelity informed us that they would be replacing the XXXX XXXX card with a VISA card through XXXX XXXX XXXX. I found out last week when trying to correct an erroneous billing issue that XXXX would not discuss any issues with me without my husband 's specific authorization because I was not an owner of the account. I asked how could that be since the original XXXX card was originally issued to both me and my husband based on our joint account at Fidelity. XXXX claims the information they received when they took over the business at Fidelity must not have indicated such and they required me to submit a new credit application which they rejected. XXXX refuses to provide any documentation showing that they received this incorrect information from the previous credit card company as they allege. I believe that this a clear case of discrimination against me as a woman since they only issued the credit card to my husband even though their relationship is based on a Fidelity account that is jointly held by me.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.
Consumer complaint received 2022-05-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX rXXXX XXXX  and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-11-19
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. (NC)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-05-23
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: Entrata Inc. (NY)

A hard inquiry showed up on my XXXX credit report on XX/XX/2022. 

XXXX XXXX Inquired on XX/XX/2022 Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX  XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX By Googling the address and phone number, I got to know that the inquiry was done by Entrata , Inc.. I did not know Entrata and did not apply for apartment or credit from Entrata. Actually, I did not apply for credit from any companies in the timeframe.In order for XXXX to remove the wrong hard inquiry record, I was asked to get a letter from Entrata to state that the inquiry was not intended but a mistake or to convince Entrata to directly request XXXX to do so. However, Entrata did not agree to provide me with such a letter, despite the representative from Entrata Tenant Verification Team told me that Entrata never pulled my credit and I was not on their customer profile list.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MA)

Loan # XXXX After suffering a job loss and a reduction in salary, my wife and I filed for a forbearance from XX/XX/XXXX to XXXX of 2020 ( due to Covid ). In XXXX we started making trial payments in a modification program. I was told there would be XXXX  monthly payments, then the modification processed. We made those XXXX payment in full, and on time. after a series of delays, with no reason, we got paperwork in XXXX. We waited for months. Continued to make payments as directed. In XXXX, due to a 'mistake ' we were told it was denied and had to start over. After a series of escalations it was 'prioritized '. In XXXX, a year later, they finally processed the modification. However they immediately reported me as being a month behind, and reported me to the credit agencies, dropping my score over a 150 points. After more escalations, they confirmed they had misapplied a payment, and 'fixed ' this. They claimed they would fix this with the credit agencies. Weeks later, my credit is still XXXX points lower, and they continue to 'confirm ' when I dispute the data with the credit agencies, despite me making every payment. 

I have escalated numerous times to SunTrust executives and the CFPB. This got me a contact with a 'client resolution specialist, XXXX XXXX ' who no longer returns my phone calls or emails. I just want them to report on my credit accurately, or remove entirely if they can't fix it. This is costing me thousands in increased interest and other financers increasing my interest or reducing credit based on SunTrust 's errors.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (CO)

I was charged XXXX dollars for using a non-Bank of the XXXX ATM ( on XX/XX/2023 ), after I just tried using the Bank of the West ATM but it was out of service. It is the only bank ATM in town. I should not be charged for using a non-branch ATM when their only ATM in town is out of service.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX I receive a phone call a person saying that is he representative of the XXXX talking in XXXXHe said under my phone number there is another phone number linked to my current phone number sending advertising and commercial to other users. If I dont fix it now they going to abandon my phone number. If I want to delete that phone number I need a report from the police. He said regarding that phone number is created in XXXX XXXX XXXX  so I need to XXXX local police department. Because I dont have their phone. As the result the XXXX representative said he can help me transfer there. By there the policeman ask my passport and said I went into big troubles I need to send them XXXX dollars and XXXX or XXXX weeks later I need to send another XXXX. Before the XXXX, they promised me that they will return those money back to my account. When I trying to contact them they never response me and block me ; I realize that I got XXXX XX/XX/23 I called Chase Bank and report that I got scam from my personal checking account and the Bank help me to filed in a claim. Asking me a lot of question and told me to wait if the money could be refunded or not. On the XX/XX/23 I went in person to the bank they provided me a claim number, the claim phone number, and wire recall number. The XXXX of representatives of Chase told me wait few days to call the number. Today XX/XX/23 I call them in the afternoon regarding my claim. Again they ask me the exactly questions afterward the resolution they give me is that they couldnt give me refunded from XXXX transactions because it through the wire transfer. Later, they ask they are going to the ask that bank, the money I transfer to, for any money were leftover or recover or even both.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. XXXX SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 4. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name XXXX XXXX  Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-17
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. (NC)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX Balance : {$130.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX ; XXXX XXXX XX/XX/2021.
Consumer complaint received 2023-02-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} NCB ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-11
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. (VA)

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which XXXX, XXXX, and/or Equifax obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX in pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA. 

XXXX confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. XXXX has since deleted XXXX from my report which also needs to be deleted from XXXX and Equifax for consistency in reporting. 

Due to the aforementioned negative details on my XXXX, XXXX, and Equifax report need to be removed and accounts updated to paid as agreed. FCRA
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Waterfall Revenue Group (TX)

They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC (LA)

Dear : Consumer Financial Protection Bureau I am writing this complaint because this number has been constantly calling my home number and I have told these people they have the wrong number for the person they are calling about. Sometimes, they use a private number and when I try to call them with the number shown on my caller ID there is no answer. Please, contact these people about calling me for a matter that does n't concern me. This is a form of harassment and an invasion of my privacy rights. I have told this company that I am on t he Do Not Call Registry. Some one, said they are sending documents to my address and I do n't have a clue what they are talking about. I think this is a Scam!!!   THIS IS THE NUMBER THAT HAS BEEN CALLING MY HOME NUMBER :  XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-22
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (TX)

EQUIFAX AND XXXX IS REPORTING INACCURATE INFORMATION. THE FOLLOWING INQUIRIES ARE UNAUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

i have lived alone at my address for 11 years as owner. over the last year receiving from XXXX XXXX XXXX-XXXX ca a bill for some unknown person. that info is XXXX XXXX XXXX for XXXX ( including interest ) the account is XXXX. I have returned mailings, called them and got hung up on and i have ignored the mailings. Now it has gone to collections ( california business bureau , inc ), i called and got scolded for opening someone else 's mail. She said she  would notate the name difference. don't trust that that will end the situation. thank you.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!