davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (GA)

Equifax has continued to change, alter, and update a charged-off debt, including eliminating the last active date on a Charged Off account from 2015 that is more than 7 years old. When it is disputed, the information is simply updated and changed, including the amount of the debt, the dates of the debt, and the charge-off date or reporting date to reflect what they claim to be accurate. They state that such debt can remain on my credit for another 10 years with no explanation whatsoever. This account was disputed due to gross inaccuracies and I was told, that allows them to update it and the clock starts over, so it's best I just don't dispute it if I want it to fall off my credit after another 10 years. This is a clear violation of the fcra and Equifax has done this at least six times as a result of the investigation and reinvestigation of this debt. 

Equifax has also continued to sell my information to marketing companies under altered or inaccurate names. I have received credit cards in the mail under aka names that are not associated with me. 

I have been on the opt-out for quite some time but they state I can get their offer for up to one year after opting out. The last offer received was distributed to a credit card company three weeks ago and the company has verified the information on when they received my inaccurate name for their credit card offer and who provided it to them.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland Credit Management A third party debt collector is reporting inaccurate information on both my XXXX and XXXX reports however it was deleted from XXXX for being inaccurate so the other companies should do the same so that I can get my actual Credit Score I have disputed with you guys several times about inaccurate information on my report as a result I currently am in litigation with XXXX and will attach copies of that as well as screenshots of my credit profile showing 3 different credit scores that make no logical since and I want my REAL SCORE.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (MD)

I am supposed to receive free atm withdrawals if i go to specific atm locations listed in the XXXX app. I am always certain to make sure I only go to free atms. I went to the atm at the XXXX location listed in the XXXX XXXX app at XXXX XXXX XXXX in XXXX, MD, and was incorrectly assessed an ATM fee by XXXX XXXX. I called XXXX XXXX 4 different times requesting this fee be refunded. I provided screenshots of the atm listing in the app, as well as photographs of the location and actual ATM itself. Despite all of this proof that the fee was incorrectly assessed, I have not been able to get my {$2.00} refunded to me. Attached are photographs of the ATM, the XXXX location, the screenshot from the XXXXApp with a map pin showing where I am and that it is a free ATM, and a copy of the card agreement which says that XXXX ATMs are in-network and free.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Accont # XXXX Nissan Motor Corporation Voilations of usc 1681a XXXX is reporting transaction history late payments to my credit report I XXXX XXXX XXXX has initiated arbitration with said company Correct account in positive standing
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (SC)

n 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 a account without my written instructions
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This complaint is for our small business XXXX XXXX XXXX XXXX ) company card .We have been communicating with Bank of America for two years trying to resolve this matter. We are consistently told it will be resolved, but to date it has not. 
We had two incidents of fraud : 1. The first is reflected on our XXXXXXXX XXXX statement in the amount of {$2600.00} 2. The second is reflected on our XXXXXXXX XXXX statement in the amount of {$10000.00} It took almost a year to get Bank of America XXXX XXXX the fraud charges, which they finally did. However, they only partially credited us for the fees and interest charged on these fraudulent transactions. In the time it took B of A to resolve the fraud, interest and fees accumulated, and continue to do so. This has been going on over two years, which means interest has continued to accrue. 

We have contacted B of A four times as follows ( see attached XXXX ) : XXXX spoke with XXXX representatives. The second person indicated they were able to " see '' the issue and calculated we were owed a credit of {$210000.00}. They indicated a credit would be forth coming. It did not. 
XXXX called again and referenced the above-mentioned conversation. Issued a ticket number. We waited another billing cycle. 
XXXX a repeat of the above. 
XXXX spoke with four representatives.

To date no letter, no resolution and the interest is continuing to accrue. Again, see attached for detailed conversation notes, names, etc.

NOTE : The card number has changed twice since the initial fraud due to the second incident of fraud, if relevant. Therefore, I am providing the account number here in case this is helpful : XXXX The credit card number that we are providing on the next page is one of our current card numbers since the cards that are the subject of this claim have been closed long ago and new cards issued.
Consumer complaint received 2022-10-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-04-17
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. (FL)

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

15 U.S.C 1681 Section 602 A. States I have rights 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 2022-06-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

XXXX : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal dateXX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-04
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: CBC Companies, Inc. (IL)

There was a inquiry on my credit report for XXXX XXXX XXXX without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXXXXXX XXXX without my knowledge on XX/XX/23.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2021XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-09-24
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$38000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX HOPE MILLS ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Outsourcing, Inc. (PA)

I received repeated automated calls from XXXX, XXXX XXXX XXXX. I called this number back and tried to get more information about the " debt '' being collected. They refused to give me any information, unless I gave them information to confirm my identity. They would not even tell me what the debt was for. They claimed to have sent me information regarding the debt in the mail, but I never received this. They continue to send me robo calls.
Consumer complaint received 2024-04-04
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. (AL)

We were auto paying our cable bill. Everything was fine until they started emailing our statement without notification. We missed XXXX payments. I found out that we were late, I made a payment on XXXX XXXX over the phone for {$100.00} then another {$250.00} on XXXX XXXX XXXX over the phone. I asked them will they go ahead and pay the cable company. They said no, the cable company will have to resubmit the charge. On XXXX XXXX, XXXX I had the cable company run the card again so they will send them my payment. They paid my bill {$340.00} and billed me again the {$340.00} because the cable company run my card again. I put in a dispute and in XXXX XXXX they pulled my payment back from my cable company. The cable company called and advised me that I need to pay them {$340.00} because my credit card company did a charge back. I went and paid my cable bill {$340.00}. Now I have paid {$680.00}. for XXXX months cable. My cable is {$160.00} a month. The credit card company has my {$340.00} and they say I owe them another {$340.00}. Then they said my credit card was charged twice on XXXX, but can not provide me a statement showing the XXXX charges. I spoke with their fraud department and they don't see XXXX charges on XXXX either, I called my cable company and they don't see XXXX charges. My credit card company hasn't actually paid my cable company since XX/XX/XXXX. My cable bill is paid up to end of XXXX because I took them on auto pay in XXXX. Please help me. You can pull my payment history and have paid my bills on time and in full.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

I requested an escrow waiver. they denied it based on the fact that my balance was still more than 80 % or the purchase value.

HOWEVER, I HAD THE PROPERTY RE EVALUATED TO REMOVE PMI.

My balance is less than 80 % of the property assigned to my home.

Remove my escrow. You are the 3rd company and none of you calculate it right.

I will complain every day until it is done, I will just cut and paste. 3 seconds.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 Items XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-06
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. (TN)

The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATIONXXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION (GA)

In a letter dated XX/XX/2024, Regions Bank informed that they closed my credit card account ( XXXX ) due to inactivity. 
In that letter, they informed me, " You may redeem any earned rewards within 90 days of account closure. '' I called the numbers provided in the letter : XXXX and XXXX, five times and was transferred six times. 
They informed me that my reward balance is {$18.00} and because it fell short of the {$25.00} minimum for redemption, they needed to transfer me to a different department, and then to a supervisor, which never turned out to be any supervisor. After agreeing that I am owed that money and they would send me a check, they finally told me that they could not send me the redemption after all those calls and transfers. 
It should be noted that they never warned me that they would be closing my account and because the account was closed, there was no way for me to make the additional few dollars. 
And their notice of closure clearly states the redemption is for " any earned rewards, '' and no minimum requirement is mentioned.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (MI)

This company Card.com has giving me the run around for almost 2years now i received my ppp loan direct depost to them they locked my account up with XXXX remaining asked me to provide proof of the loan which i did from my identity and proof from my lender they closed my account and is refusing to release my funds in a paper check or return to the lender
Consumer complaint received 2022-10-17
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. (DE)

My name XXXX 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 2019-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent in a complaint that I tried disputing a claim by XXXX XXXX was reporting my account 120 days late XX/XX/XXXX and which was impossible because the account was opened XX/XX/XXXX. Now my credit report has changed to 120 days late XX/XX/XXXX! Are the people handling my report that XXXX? for one, I was not late In XXXX and for two, it is still only 60 days open but the erased data from XXXX and XXXX. THIS IS FRAUD! Someone has to be held accountable! If you can't help me resolve this, I want to know who can!
Consumer complaint received 2024-04-04
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: Spring Oaks Capital, LLC (TX)

This complaint is in response to CFPB complaint XXXX. Spring Oaks Capital , LLC responded to my dispute of account XXXX on my credit report stating that they disagree with assertion of incorrect reporting The company stated that they mailed me on XX/XX/XXXX, but I received no such notice. The company also alleges that the account was charged off on XX/XX/XXXX, and the current balance owed is {$420.00}, but I contacted the original creditor, and they could not validate this accusation. Additionally, Spring Oaks Capital stated that they would be mailing their response along with copies of my account documents, but this will not suffice being that Spring Oaks does not have a valid address for me. I specifically sent a complaint through the CFPB and that is where I expect all relevant information to be sent. It is easier to have everything via the portal for court purposes. Lastly, Spring Oaks capital never sent proof of their license to collect debt in the state of Texas. I am not liable to pay this company and their claims do not support the information received from the original creditor XXXX XXXX XXXX. Remove this account from my credit report immediately SPRINGOAKCAP Original creditor : XXXX XXXX XXXX XXXX XXXX