davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (OH)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRY : XXXX XXXXXXXX BAN XX/XX/year> EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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: CAINE & WEINER COMPANY, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-09
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: PatientFi, LLC (FL)

My name is XXXX XXXX. An account with Patient Fi was opened in my name for an amount of {$6000.00} on XX/XX/2022. I have no knowledge of this account and did not authorize it. I believe I was a victim of identity theft and I need the account and its late payments removed from my credit report.
Consumer complaint received 2022-04-20
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)

XXXX & XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-04-09
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: Bread Financial Holdings, Inc. (NY)

While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (VA)

On XX/XX/23, I reached out to this place called easypay regarding the interest rated on a loan that was obtained. I informed them via email the VA State Law regarding interest rate, which they had mines at 133.99 % VA State law doesn't allow for loan rates to exceed past 36 % which is what I told them. They responded the same day stating a 90 day promotional period and a law called " Credit Sale Act ''. I looked this information up for VA and there is no law in VA for this. I provided them with several VA Code Laws and they emailed me back the following day stating that they are allowed to charge up to 134 % which I know to be illegal due to past issues with other loan companies and speaking to attorney 's about it. This email transaction continued until XX/XX/23. Then that's when the constant phone calls began and the harassment started. They will call all odd hours of the day and night. As of the first week of XXXX, they have falsely reported information on my credit report, which has caused my score to drop severely. I have notified them reiterating what I stated on " XX/XX/23 that they were violating my rights as a consumer by fraudulently reporting information that is not true on my credit report. What you as a company are doing is unethical and illegal ; illegally getting consumers to obtain a loan under false pretenses. This information will be reported to the credit bureaus, consumer protection agencies, and XXXX  ''.
Consumer complaint received 2023-03-16
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. (NC)

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXXXXXX XXXX  to go balance of {$4000.00}. All three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX ) did not remove this debt. XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. XXXX, Equifax, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Consumer complaint received 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2023-04-04
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 (MI)

Capital one bank, XXXX XXXX, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Consumer complaint received 2023-03-16
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My father passed away on XXXX and mother passed away on XX/XX/XXXX. They had an reverse mortgage with bank of america, In XX/XX/XXXX the bank try to foreclose on my father stating that they paid the taxes and insurance on the house we prove that my father paid the taxes and insurance so the bank was denied the foreclosure, after my father passed away on XX/XX/XXXX bank of america file for an hearing in state of south carolina XXXX of XXXX common pleas court to foreclose on the house the lawyer for bank of america stated the same about the bank paying the taxes and insurance but the judge stated that it was prove that my father paid them, the the lawyer for bank of america state that the reverse mortgage was in default because my father Pass away that was not a true statement, what happen the due and payable i was supposed to receive and the chance to sell the house by the heirs, the lawyer had my name and address my father added me in XX/XX/XXXX so if needed they could call and talk to me, when i found the summon ine the mail I call and talk to the lawyer for bank of america he could not tell me what exactly was due, the judge stated he does not understand reverse mortgages so he ruled for the bank to sell the house, all the heirs rights was takng from us, I witness on the application when my parents got the loan and the banker told me that the heirs will have a chance to buy it first that is why I sign to witness and that is why i call bank of america lawyer but the heirs right did not matter and if I was to lie in court like the lawyer did i would have been found in contempt of court, I am the PR for the estate.
Consumer complaint received 2023-03-16
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I am trying to understand why a credit inquiry must stay on a credit report for 24 months In XXXXXXXX XXXX XXXX I opened a XXXX  credit card the inquiry is set to fall off XXXX XXXX XXXX It is month XXXX of XXXX why can't the inquiry be removed as of right now XX/XX/XXXX. 

The XXXX account is accurate referenced above I would like equifax to remove the inquiry from XXXX XXXX and keep the account on the report.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (OH)

I submit this request so that you reinvestigate these disputed Accounts from my credit reports as well as fix these Accounts from my reports during the investigation period. As of this date, you have failed to respond to my request. These are the accounts that needed FOR UPDATE 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Consumer complaint received 2023-03-16
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: JPMORGAN CHASE & CO. (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020 I filed a dispute with all three bureaus because I noticed two credit cards still showed up as NEGATIVE INQUIRIES these two credit cards was filed and reported under card fraud due to unauthorized transactions without my consent. I was living in XXXX, MN and there was fraud usage made from XXXX while i was living in XXXX, MN. I reported to both card companies and nothing was resolved. 
I am seeking final closure with having these two accounts removed from my credit report.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I closed on my house XX/XX/XXXX, XXXX  payment was due until XX/XX/XXXX XXXXOriginal loan servicer was Guaranteed rate, we were instructed to make the payment to them. At the same time we received a welcome letter from Fifth third bank dated XX/XX/XXXX, that our loan had been transfer to them on XX/XX/XXXX. They sent a billing statement for a XXXX payment as well as guaranteed rate sent XXXX. Per Guaranteed rate transfer date to fifth third bank was effective until XX/XX/XXXX hence the payment was done towards guaranteed rate. 

First payment was submitted to Guaranteed rate on XX/XX/XXXX. We received an email from Guaranteed rate telling us that the transfer was official starting XX/XX/XXXX. Meanwhile fifth third was calling and showing on their account that I hadn't sent a payment for XXXX. I called to explained several times and no resolution was given. 

Starting XXXX all my payments have been made toward fifth third bank. On Monday XX/XX/XXXX, I get a call from fifth third asking if I was planning on submitting a payment for that overdue amount, at that point again I explained the situation to what they suggested contacting guaranteed rate because on fifth third side they hadn't received the money and that i had XXXX  days before they impose late fees and report to credit bureau. 
My loan officer and me got on a call with both banks separately and again no resolution was given. 
Guaranteed rate mentioned they had sent the money under a suspense account and that everything was transfer correctly yet fifth third claimed they haven't seen the money and that they will proceed with late fees and report to credit.Both companies mentioned they have started an investigation to see what they could find. i have provided evidence to fifth third that payments were done. 

Both companies have a discrepancy on their loan transfer date. I have the evidence that all payments have been made. No late fees or reporting should be done under federal law, but fifth third have mentioned that if by end of week they do not have payment they will move forward to impose the late fee and report me. Fifth third has mentioned that if the research they are conducting shows where the money is so they can process it that they will retract the late fees and the credit report. this will still hurt my credit history. 

No company has taken ownership on this situation and I have been under a lot of stress because I have not done anything incorrectly and yet I will be punish on this.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I presented a Florida Direct Deposit Form from the State of Florida to XXXX XXXX, financial center assistant manager, at the XXXX, Florida branch of Bank of America and she refused to sign the state form, stating that Bank of America does not sign outside forms. I explained this was a state required form and the best they could offer for me was a standard Bank of America Non-Federal Direct Deposit Enrollment Request form. Their form does not provide their verification of my account, or their signature, which is required by the state of Florida. I asked them to provide me with a letter I could send to the state explaining why they would not sign the state form and they would not do so. They will not provide me with the required information from the state of Florida.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

We were offered a promotional 0 % transfer on our Amazon Chase card that we have held since XXXX. This is our primary credit card where we pay our balance off every month to avoid interest. We took the transfer to pay down some of a recent home equity line. We were given 12 months to pay off the transfer at the 0 %. we did XXXX and had a transaction fee of {$370.00}. 

However, when we started to pay our card the first month of the loan i noticed the payments were only being allocated to the balance transfer and not to our purchases that month. i called Chase to see how I could pay the new purchases first and then allocate the overage to the transfer portion since it is reflected in a different area on our statement. 

I was informed that I have to pay off the entire transfer and then the new purchases to avoid any interest on my new purchases. I was told that was in the very long disclosure. The spending behavior I have demonstrated for 13 years clearly shows that we do not intend to pay interest at 17.74 % on purchases. I am very upset by the way this is handled and the advertisement indicating a 0 % with a transfer fee. I was OK with the transfer fee and completely understand it, however I do not think I should be penalized twice for this transaction that was advertised as 0 % for 12 months. 

We took this transfer on XX/XX/XXXX