davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.
Consumer complaint received 2023-02-08
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. (NC)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-02-22
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: SYNCHRONY FINANCIAL (SC)

I received a notification from XXXX XXXX and XXXX XXXX that a hard inquiry had been reported on my XXXX Credit report on XX/XX/2020 from : Institution Information XXXX XXXX  XXXX  XXXX, MD XXXX ( XXXX ) XXXX This inquiry was not authorized nor requested by me.
Consumer complaint received 2023-08-10
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. (MA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have informed Equifax many times that the following addresses do not belong to me : XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!
Consumer complaint received 2023-08-10
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

When I logged in to the NewRez website to make my XX/XX/2021 payment of {$850.00}, I realized that I had missed making my XX/XX/2021 payment. I immediately called NewRez and made a payment over the phone for both XXXX and XXXX authorizing an amount of {$1700.00}. The representative made a mistake and processed the payment of {$1700.00} twice but immediately cancelled the duplicate payment. Since the correction, my online payment history, principal balance and escrow balance appear to be incorrect.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a Bank of America business cash award credit card on XXXX Reference number # XXXX it got denied and regardless of the reason being denied I have the RIGHT to CREDIT, with them holding my access to my securities is security fraud and theyre violating the equal credit opportunity act & consumer credit protection act. The young lady didnt want to provide her name but the call was recorded and monitored and I told her to read to me where it say in the acts I could not be extended credit because of my credit history? She went silent then rush and gave me the reference number then disconnected the phone on me. I know Im entitled to credit regardless of my credit history this is the reason Im reporting Bank Of America lending team/department . 
Please help resolve the issue quick as possible thank you, XXXX XXXX attorney in fact for the all XXXX  name XXXX XXXX XXXX.
Consumer complaint received 2023-08-11
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 2023-02-08
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. (KS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2016-04-19
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (NV)

The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.
Consumer complaint received 2023-09-07
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2021-11-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NC)

This account is involved in litigation. Vehicle was deemed total lost by insurance company without any previous late payments. Vehicle was covered by gap insurance. Lender continued attempts to collect on a debt that was not owed. Lender has currently has multiple class action suits in regards to its practices.
Consumer complaint received 2021-11-07
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: AMERICAN HONDA FINANCE CORP (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Hello, I would like to file complaint against Wells Fargo about the escrow payments. I sold my XXXX to one of the person in the USA and I was promised that I will get the payment once I email the bank with the proof of shipment and the products price was XXXX  XXXX and also I was asked to pay XXXX  XXXX initially and then XXXX  XXXX and again XXXX  XXXX stating that the RBI requests this money for escrow payments its been more than a month since I sold my product and the banker doesnt answer me in the right way. It would be of great help if you look after this and help me throughout. 

Best regards
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (IL)

I refreshed my credit report today and noticed this account is not accurate and complete 15 USC 1681e ( b ) in accordance with the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the individual about whom the report relates. This account XXXX XXXX # XXXX is not accurate or complete the reporting of false information pertaining to the bankruptcy date/month/status have been illegally changed. Ive sent Experian several letters asking them to make sure everything is complete and accurate heres my tracking number XXXX. Experian reply of investigation back says everything is complete, accurate, and updated but if you check my attachments everything is not from the years-payment history of reporting this account in Bankruptcy. 15 USC 1681i 5 ( a ) ( i ) ( ii ) Treatment of Inaccurate or unverifiable information. 15 USC 1681s-2 ( A ) a person shall not furnish any information relating to any credit reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 USC 1681c failure to remove all included discharged debt in Bankruptcy legally supposed to be deleted after debt has been discharged in bankruptcy it should be removed from the consumer report failure to do so in a reasonable amount of time is a violation of the Fair Credit Reporting Act / Experian 2024 reporting inaccuracy
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EASTERN BANKSHARES INC (MA)

I have opened the checking account with Eastern bank on XXXX as per promotion incentive to get {$600.00} if I do combine {$15000.00} direct deposits, which I did already a month back. I should get the incentive in 30 days after qualification as per the term they advertised clearly as below. 
" Account must be open and have a positive balance. Incentives for qualified accounts will be deposited into customers account no later than 30 calendar days after confirmation that the account has met all the requirements. '' However, I called twice and also email to banking officer where I opened this account got all misleading information. Banking officer replied I am not qualified. The customer service said I have to wait till XXXX as it will be paid after 120 days which is a clear cut deviation of the terms mentioned by them while opening.
Consumer complaint received 2022-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 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.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On Sunday XX/XX/2023 the available balance in my Santander checking account was XXXX. This was money sitting in the account for a while and there was no hold whatsoever on these funds. Anticipating a large expense I deposited into the account a credit card advance check in the amount of XXXX dollars. 
Santander bank put a hold not only on this new transaction, unbeknownst to me they put a hold also on the XXXX that was sitting in the account prior to this transaction, resulting in checks and ACH purchases and credit card payments being returned for insufficient funds. I immediately called Santander but the manager at the local branch was unable to stop the back office from bouncing my checks. I could not write any more checks until I got this situation resolved otherwise the checks would bounce. I pleaded and told them that the XXXX was free and clear and there was sufficient funds for all the checks & payments. It took until midday Thursday till they released the hold on my account. Santander bank illegally restricted me from using funds that were free and clear for practically a week. If the government wants consumers to have confidence in the banking system they need to oversee and fine institutions who withhold funds without merit
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have written several letters to Equifax to have 5 collection accounts removed from my credit report. The accounts have been paid in full. The collection agency has reported to all.3 bureaus. XXXX and XXXX have removed all the accounts accordingly, however, Equifax has not and has not responded to any of the multiple letters I've sent.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.
Consumer complaint received 2021-11-06
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. (NY)

Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my Equifax report from XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called Equifax and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call XXXX XXXX credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local XXXX XXXX  and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from XXXX XXXX credit services saying that I am a victim of fraud which I mailed to Equifax but they also seemed to ignore it. I will attach it here as well.