davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

My credit report is showing a late payment from XXXX XXXX. This payment was made in XXXX however, I believe that there was an issue with the system as the payment was never processed even though on my end it appeared to be accepted. I did n't realize that the payment did n't get processed until the following month and by then it was too late. As a result I now have a late payment on my credit report that is preventing me from buying a house. I have never been late on this account in all of the years of owning this home and would like this credit blemish removed as it was due to no fault of my own.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Carter-Young, Inc. (GA)

CARTER-YOUNG, INCXXXX is trying to collect on debt that is not mine. CARTER-YOUNG claims I owe {$350.00} toward a medical/health care. I spoken with a representative via telephone and have verified the XXXX XXXX they 're looking for does not share the same SS #, yet a " collections '' notice exists on my XXXX credit report.
Consumer complaint received 2019-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In late XXXX I received a text message alert from Bank of America asking me if I had purchased XXXX tickets from XXXX XXXX. I texted back no, and the card was cancelled. The charges were initially removed from the account. 

We later were told that we " benefitted directly '' from the purchases made, and they were recharged to our account. 

It's now late XXXX, and I have been calling B of A for months asking for this to be resolved. We've NEVER been asked to provide more information, so I took it upon myself to call XXXX XXXX, who agreed it was a fraudulent charge as evidenced by the fake email used to purchase the seats, and I worked with XXXX to show that the XXXX address and email is not linked to either of our XXXX accounts, and that we can't access the account that was used to purchase the seats. 

We've now accrued $ XXXX in interest charges because I am not paying for tickets that were purchased the SAME DAY of the concert in XXXX, a city that I DO NOT LIVE IN and have only visited once ( not the same day as the concert ).
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. (PA)

From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/2024 Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

My Citi Sears credit card will Not allow me to cancel the auto pay and have lied to me about the Auto pay on my account. 
I am a XXXX Vet, I was injured during service and bypassed a medical leave to reunite with my squad in XXXX. I could have went home but chose to fight for our country despite my injuries. I was injured again but survived and proudly witnessed the end to a horrific time in our history. I have NO regrets for my sacrifices for our country during that era. I was proud to have served. Sadly, the things I have witnessed over the last decade, particularly how corporations ignore regulations, provide false information, harass and take advantage of citizens has sickened me. I can say I would not my life for todays America. The world has always had its fair share of greed and bad behavior. But today 's America the way these corporate greedy and ungrateful board members, Executives and employees seem to have no moral responsibility is like nothing I have ever witnessed in my 9 decades. 

All I wanted to do is cancel the auto pay to my Citi Sears Mastercard, The first attempt a rep gave me untruthful information. On the second request Citi lied to me again and even made the statement that their FRAUD dept. had initiated the auto pay without my person and are trying to take over {$2000.00} out of my checking account, again without my permission. 
Here is a story the local news did on me. https : XXXX It seems Citi bank has limited my online ability to schedule our cancel payments, The link which is available for others has been taken away for me. I have no idea why Citi bank is doing this to me and why they would lie to me. Maybe they are worried I will die soon, isn't this age discrimination? I am very healthy and have every intention of being around for the next decade, all my siblings and family members lived long lives. I will be sending a copy of this directly to the CEO of Citi bank so he can not say he was not aware of this unconscionable behavior by his company,
Consumer complaint received 2022-09-25
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 account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (FL)

In XXXX of XXXX I received a debt collection letter from Credit Control. I exercised my right and sent a debt verification request letter to Credit Control located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Credit Control DID NOT verify the debt despite my emails that I sent them on XX/XX/XXXX & XX/XX/XXXX and a call to verify the debt on XX/XX/XXXX but instead another Collection company named : XXXX XXXX XXXX. located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the debt on all three of my credit reports without informing me whatsoever about this debt or verifying the debt or providing a reassignment of debt to them. 
This is a breach of the Fair Reporting and Collection Act.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I refinanced my mortgage in XX/XX/XXXX to Cardinal Financial Services. This was a huge mistake, because I've never had so many issues with a mortgage company before. This year in XX/XX/XXXX, I deposited {$4000.00} into my escrow account for my insurance and tax payments. On XX/XX/XXXX I asked for an escrow analysis and rebalance to be preformed on my account since I am continuing to pay {$420.00} a month to escrow even though the funds are already in the account. 

In XX/XX/XXXX, I contacted Cardinal Financial and asked to run an escrow analysis. The company refused to run this analysis for reasons I do not know. Which was disheartening to hear, as I had no other options. I waited a few weeks and contacted Cardinal Financial again in XX/XX/XXXX. At this point my escrow account balance was over {$7400.00}. They refused the analysis again, however this time I asked for a Supervisor. The Supervisor processed my request and the analysis was completed. However, nothing changed on my account. They calculated my insurance and taxes would cost {$5000.00} for the year, but did not rebalance the funds in escrow. 
Instead, Cardinal Financial decided to send me a check for {$4400.00} and continue to charge me {$420.00} a month into escrow, even though the full amount for both payments were available in escrow. This is the first time I've ever had a mortgage company not apply my escrow balance to future insurance and tax payments for that year. I own multiple properties and have dealt with several different mortgage companies. 

I do not know who can help me with this issue or what attorney to hire. From my calculations, I should have received a {$2200.00} refund, with a monthly payment of {$5.00} into the escrow account after the analysis and rebalance calculations. With previous mortgage company 's I've used, they would apply the escrow balance to adjust the monthly amounts for upcoming tax and insurance payments. 

Please help! Thank you.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (FL)

This company has provided me nothing but terrible customer service. I mailed some documentation as requested by the company to its legal department- I was told that that I would hear something in 3-5 days after the company received the documentation. It is going on a month and I still have not heard anything. This is the only company that I have had any issues with when presenting the company with legal court documentation. My brother, XXXX XXXX is mentally incapacity - the courts have appointed me his legal guardian to handle all of his affairs. The SSA has advised my brother received an overpayment and requesting that the funds be returned or charges will be sent down for fraud. It really does not matter what the reason is why I need access to this funds as the order states I am over his medical, mental and his income - any assets that he may have in his possession. This company refused to even provide me with a follow-up to my request. My brother is currently institutionalized and does not have access to complete this transaction. He will also not be able to access this for some time now so I am doing this for him and for his behalf. I have called multiple times and the reps just hang up the phone in my face. I will be suing this company for not honoring the court documentation if these funds are not returned to me. The balance was {$1500.00} just a month ago and now it is {$1500.00} - so now this company is just taking advantage and taking funds off of his account instead of returning the funds to me! I have sent my address, email and phone number for the bank to contact me but NO ONE has even bothered to reach out to assist or provide any update. The reference number for this # XXXX
Consumer complaint received 2022-09-25
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. (FL)

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (WI)

I monitor my credit score using free online services. These services showed that one of my credit card companies had reported an incorrect balance for the month of XXXX. It should have been XXXX. This caused my credit score to go down 5 points. I filed a dispute with each of the credit monitoring companies : XXXX, XXXX and XXXX. XXXX fixed the problem, but after a month of waiting for XXXX  to correct the error, their results showed a different incorrect amount instead of XXXX. They told me that's what the credit card company had given them. I always pay in full each month. And when I requested that the credit card company send me a statement for XXXX, they emailed back saying that there was no statement for that month because there was no activity and a balance of XXXX. Added note : The card in question is in my husband 's name with me as an authorized user.
Consumer complaint received 2022-09-25
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)

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-10
Product: Credit reporting 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 refuse to honor my documents that I provided proving Im a victim of identity theft. I have 21 inquiries that dont belong to me. 
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 2022-09-25
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. (KY)

In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my Credit Report. The accounts listed below have been deleted from my XXXX Credit Report : XXXX XXXX XXXX XXXX Account # XXXX. This account and XXXX  XXXX XXXX  XXXX Account # XXXX, XXXX/XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Acct # XXXX are reporting all kinds of ways! How can these accounts be Updated or Verified and Open and Closed? These accounts must be deleted because you continue to report inaccurate information on my credit report that is against the law. It is totally inaccurate and should have been deleted long ago. I want these accounts deleted from my Experian Credit Reports because I know that All of my Credit Reports are suppose to be identical, yet they are Inaccurate, and it has damaged my credit really bad. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. The information on these accounts are inaccurate and yet they are continuously being reported monthly. IAW the Fair Credit Reporting Act, these account are in violation of my rights, Experian credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my XXXX Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( 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. All of the accounts listed above are inaccurate on my Experian Credit Report because it is so frustrating.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX**, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-06
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: Bread Financial Holdings, Inc. (FL)

I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I tried to place a security freeze online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this freeze with the other two big credit reporting agencies. It took seconds on their end. However, Experian is making me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. ). I find this to be  extremely anti-consumer especially because I have an account with them! Why can't I just log in to my account and place the freeze like I can with XXXX  and XXXX?
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Foursight Holding LLC (AZ)

I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX dollars.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (GA)

I have had autopay set up on my Apple Card since the day I opened the card. Today, I got a notification that I was " Past Due '' on my payment. Goldman Sachs failed to process my automatic payment and is trying to blame me! Every single month the automatic payment has worked until now. With absolutely no warning, Goldman Sachs either canceled the automatic payment or intentionally did not process it in order to charge me fees or otherwise attack me financially. 
When contacted, I was simply told I could not be helped.