davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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.
Consumer complaint received 2023-03-07
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. (GA)

Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : 1. XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!
Consumer complaint received 2023-03-07
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. (IL)

I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( XXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I deposit a cashier check from XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/19 at U.S. Bank location at the XXXX XXXX XXXX XXXX XXXX, Mo XXXX. On XX/XX/2019 check online banking stated funds are completed but not transfer into my checking account unable to pay my mortgage for my XXXX payment unacceptable and Im not trying to pay extra interest per day and my mortgage payment is still past due because funds are not deposit.
Consumer complaint received 2023-05-11
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: ERC (FL)

I have a derogatory mark on my credit report from XXXX. My wallet was stolen in 2019 and I started seeing things coming in my name. Inquires and bills. I still have the police report.
Consumer complaint received 2019-12-03
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. (CA)

My problem is one I can't find the answer for anywhere. I have excellent credit and until recently have had no issues when applying for credit. In the past two weeks, I have had two separate creditors tell me that my credit report is frozen and that I must unfreeze it for them to process their application. One was XXXX, with whom I have an existing credit card account that will show me my credit score ( in the 800s ) at any time, but the agent said she couldn't access that. I spent hours on the phone going back and forth between XXXX and Experian ( which is where they were trying to access the report ), and finally had a conference call with agents from each company. Experian told the XXXX rep that there is no freeze or lock, and the XXXX rep insisted there was. Experian gave XXXX a number to call to a different department, which the XXXX rep says she had tried before and got an automated response. She at this point refused to try any more and kept telling me I had to get Experian to unlock my reports, and that there was nothing more she could do to help. Based on the insistence of the Experian agents, I assumed there was a problem at XXXX and gave up. Tonight I had a different creditor, XXXX, tell me the same thing online : they can't process my application until I unfreeze my account. I have checked with Experian, XXXX, XXXX, and they all say my credit reports are not frozen, locked, and none have a security alert, that everything looks fine. But with 2 creditors telling me I'm frozen, where do I go for help?
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (LA)

The local Government and XXXX XXXX and XXXX XXXX took my house after I payed it off.I have ths proof to prove it.Judge XXXX, AttorneyAuthment XXXX XXXX XXXX Manager, and sheriff XXXX was all involved.I need some help getting my home back.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Spoke to Equifax today because all of a sudden my husband and I can't log into our accounts. I called in 2022 to freeze my credit report all information at the time was correct and updated. Now they say it is not are refusing to open my online account and are telling me I have to mail them my personal information. I believe that Equifax has been breached again. I want mine and my husband 's credit reports to our new address we have been at for XXXX now.
Consumer complaint received 2023-03-03
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. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX XXXX, XXXX has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I have been wrongfully charged interest rate on this credit card account because I have a 0 % APR on a balance transfer done in XXXX which payment is not due until XX/XX/XXXX. On XX/XX/XXXX, Statement balance I was charged an interest of {$62.00} for a balance of {$2600.00} subject to a purchase interest rate of 27.74 % ( I have attached the statement document ). This statement period was from XX/XX/XXXX to XX/XX/XXXX. During that period, a total purchase of {$4800.00} was made and a payment of {$4800.00} was also made resulting in a positive of {$39.00}. I am currently disputing the charge of {$62.00} and will continue to. Yesterday, XX/XX/XXXX, was another monthly billing statement for the period XX/XX/XXXX to XX/XX/XXXX. I was charged a purchase interest of {$110.00} for this period on a balance of {$5100.00} subject to a purchase interest rate of 27.99 % ( I have also attached the statement document ). During this period purchases made were {$540.00} and payment made was {$700.00}, which is a positive of {$150.00}. The question I had for the bank representative when I called on the interest charge is to explain why on previous the statement that closed on XX/XX/XXXX. XXXX there was a purchase balance of {$2600.00} that led to the {$62.00} interest charge ( even though I had a positive payment of {$39.00} ), but on the current statement that closed on XX/XX/XXXX where total purchase made was {$540.00} ( and a positive payment difference of {$150.00} after paying {$700.00} ), I am now charged an interest of {$110.00} on an interest rate of 27.99 % APR for a new purchase balance of {$5100.00}. It is obvious this is a clear indication of either gross incompetence or a deliberate effort to create financial discrepancy to rob a consumer via interest charges. This is completely unacceptable. I am being charge interest on payments that I have covered, and now I have a balance on a purchase that was not made during a statement period. What is this about. Can someone call these people to order, this is criminal.
Consumer complaint received 2023-02-10
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. (NJ)

I am a natural person I am a living human being ; I have rights under 15 USC 1681. 


XXXX is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/ at approximately XXXX XXXX called from Navy Federal to collect on a loan payment. The loan reached its maturity so XXXX suggested that i refinance the loan. I asked XXXX if i should make a payment to avoid a 30 day late credit report. XXXX insisted that i did not need to make a payment because the refinance application would place a hold on the account so it would not report late. Over the weekend the new refinance was completed. The old loan was reported 30 days late contrary to what XXXX stated would happen. I called Navy Federal collections spoke with XXXX who reviews the call & stated i had never asked about preventing the 30 day late report which is a blatant lie. I asked to get a transcript of the call & the contact to navy Federal executive office for consumer complaints, XXXX states she could not provide any information regarding executive officers or the VP of collections. I have never had any late credit reporting. I would have made the payment in order to avoid the late reporting but i was following the process as advised by Navy Federal collections representative.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (OH)

I seldom use this amazon credit card. It is registered in amazon so I don't have to look for the card, it is all entered in the portal. Last week I needed to ask about the details of the card, and I was told the card was reported lost or stolen. I TOLD THEM< IMPOSSIBLE because I had the cared in my hand and never reported it lost etc. I told them to fix the problem at XXXX XXXX XX/XX/2019 i needed to know how much my payment was due, and they told me the card was lost!! I spoke to supervisor XXXX XXXX flor manager from Chase in XXXX who told me the card was reported lost or stolen. I asked him to let me listen to me reporting it lost, stolen etc, or to show me an e mail, written note or voice recording advising of it being lost. He had no proof of it. The bank has made a mistake and closed it without my knowledge. I told him I need the card to pay something at XXXX XXXX today. That I am-OK to go to the bank to pick up a temporary card to make this payment. He said there is nothing he can do but I must wait 2 days or so to get a new card. That is not ok because I HAVE the CARD< and I already told them last week not to close the account. NOw I have no way to make a purchase although I have the card in my hand. 
The bank must show e proof ( verbal recording or written ) that I reported the card lost/stolen. WHO IS GOING TO HELP ME PAY FOR THE PURCHSe I HAVVE to MAKE AT XXXX XXXX TODAY? This is irresponsible banking. I can't wait 2 days for the card to arrive.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


U S DEPT OF EDXXXX XXXX XXXX {$8600.00} - Has violated my rights U S DEPT OF EDXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights DEPTEDXXXX XXXX - {$0.00} - Has violated my rights U S DEPT OF EDXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.
Consumer complaint received 2019-12-03
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. (NY)

I had a XXXX credit card and filed for bankruptcy. My credit card was in the name of XXXX XXXX. I have filed a dispute through Experian and sent 2 letters to XXXX but my Experian credit report is still showing this account as a collection instead of discharged through bankruptcy. My bankruptcy was discharged in XX/XX/2018 and I am unable to have this reported correctly. I dont know what else I can do. 

I have the same issue with XXXX XXXX my name on the account was also XXXX XXXX I have since been divorced & my name has changed to XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

In accordance with the Fair Credit Reporting act Phh Mortgage Acct # 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 15 U.S.C 1666b A Creditor May not treat a payment on a mortgage account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have attempted on multiple occasions to correct my name on Equifax, without success. I sent them the paperwork they required on all of these occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The name that currently shows on my credit report when I go to my account is that of my ex-husband ( XXXX ). I have legally changed my name back to my maiden name ( XXXX ). Equifax refuses to change my name, despite the information I sent them, which included my social security card, drivers license, and divorce decree confirming that I could return to using my maiden name. 

Equifax does not have any option on their phone contact to actually speak to a representative- the only thing that a person hears is the automated system. They also do not list an email contact or any other way of getting in touch with someone who may be able to assist with this issue.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The payment was due XX/XX/XXXX  and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I am writing to inform you of the illegal actions of Toyota Financial Services in reporting a Charge Off of an account included in a XXXX bankruptcy that was discharged by the courts in XXXX by a judge. I demand that Toyota Financial immediately alert ALL 3 credit bureaus to have this illegal account removed as required by federal law. Most troubling is that this illegal account was only recently reported in XX/XX/XXXX and has severely negatively affected my credit score. Toyota has fraudulently made it appear that this account was a 4 month term and is past due for XXXX with an owed balance that was closed in XXXX by a federal bankruptcy judge. Toyota Finance maliciously and fraudulently reported to the credit bureaus that I have a recent charge off and reported this debt as active as of XX/XX/XXXX which is included in my bankruptcy in XXXX and discharged in XXXX. They have caused my excellent credit score to fall 300 points from nearly 800 to junk credit. I feel that damages should also be paid for Toyotas fraudulent actions that have negatively affected my credit in violation of federal bankruptcy laws. 

TOYOTA MOTOR CREDIT. 
Negative Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$6500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$24000.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Highest Balance {$0.00} Terms 4 Months On Record Until XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (CT)

This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX - Diversified Adjustment Account Number - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.