davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-10
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. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (NM)

Currently, I have a XXXX XXXX XXXX but even with a " good '' XXXX XXXX I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. XXXX is reporting a collection from Credit Management in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
Consumer complaint received 2023-01-16
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)

Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
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)

i have fradulent and inconsistent information on my credit reports on all 3 credit bureau XXXX ( 3 ) Hard inquiries XXXX XXXX XXXX on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

Equifax Hard inquiries XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.
Consumer complaint received 2021-09-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I have been disputing the accuracy of a public record on my credit report with all tree credit bureaus for over a year. I found out that a third party company, XXXX, was supplying information about me to the credit bureaus. I also received documentation that the courts do not report or verify information with the credit bureaus. I found out I could freeze my XXXX account which would prevent XXXX from verifying any information on me or supply information to the credit bureaus. I froze my XXXX account and again disputed the bankruptcy information. XXXX deleted the information from my report. XXXX is currently reinvestigating the dispute. Equifax says they have verified the information with XXXX ; however, that is not possible because my account is frozen. Either Equifax did not actually verify the information or they were not truthful about how they verified the information.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan is being serviced by Shellpoint Mortgage Servicing. During the brief time this company has been a serviced by Shellpoint, I have experienced nothing but difficulty.

My username and login will not work on their website, so I can not set up autopay. I opened numerous support tickets, but have gotten no resolution.

I sent in all of the Insurance data as requested, they did not record it, I e-mailed it in 3 different time as directed, with no response. I also tried using their automated insurance collection system, but they did not receive that either, this was only resolved after I called and practically forced the unhelpful woman on the phone to record it, then send me a confirmation e mail before we got off the line. 

This company makes paying your mortgage incredibly difficult, tried to initiate a lender placed homeowners policy even though I had used every available method multiple times to submit my policy, sent numerous threatening letters during this process. 

Please look into their processes, it is not fair that people have to deal with this level of incompetence when trying to service a loan.
Consumer complaint received 2021-12-16
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. (CT)

I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and XXXX uploading this ) you can see THEIR own system says thats not true!!!
Consumer complaint received 2023-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CO)

The collection company reporting to my credit report as a collection from these apartment complexes is national credit systems. 

For XXXX and complex in XXXX Texas amount is {$9900.00} and XXXX XXXX Apartments in the amount of {$9900.00} have disputed this account information numerous times. Ive contacted both companies explaining my situation as I did not apply for these apartments, nor have I ever lived at any of these properties. I was told to dispute my matter with the credit bureaus in the collection agency. However, once Ive done, so I was told that the information disputed was accurate. It has been updated on my credit report as of XX/XX/2023. 

Ive also explained to these companies that my identity has been compromised and with the proper protocols as far as disputing, I have gotten nowhere XXXX have ignored my complaint in XXXX XXXX and XXXX have listed on my credit report as accurate and verified. 

I also have an account for XXXXXXXX XXXX, which is a collection agency I have no acknowledgment of this account I have sent in mini dispute letters which have been ignored or have been deemed as verify belonging to me, which is incorrect because my information has been compromised to obtain these credit cards in apartments The other account that I see on my credit report is from XXXX XXXX, which I have never owned a XXXX XXXX account nor have I had a phone from XXXX XXXX, and they are reporting to my credit reports as past due and sent to collections again I have disputed many times and gotten nowhere. The only feedback that was sent to me via mail was all of my disputes have been verified and accurate which is incorrect and needs to be removed from my credit report. 

With these negative items on my credit report, it is hindering me from getting a apartment a new credit card or any loans and it is bringing down my credit score tremendously, which is affecting me in my goals for becoming a homeowner one day.
Consumer complaint received 2019-02-09
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. (IN)

XX/XX/2018 Spoke with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Michigan. Balance {$610.00}. Paid XX/XX/2018. Paid collection off for deletion off credit reports.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 )  which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX and XXXX, XXXX '' hereinafter referred to as " the Debt Collection LLC '' is a debt collector. On behalf of the Debt Collection LLC, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of Capital One Bank ( USA ) N.A. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Capital One Bank ( USA ) N.A. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-09-28
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: Resurgent Capital Services L.P. (AZ)

ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I am a student. I have a student checking account. The Union Bank website claims that there is no charge for a student checking account. 

Now, a total of FIVE TIMES, I have been charged a monthly maintenance fee for my student checking account. Once in XX/XX/XXXX, and again in Summer XXXX, Fall of XXXX, and twice in Winter of XXXX. For the first FOUR TIMES, I went into the Union Bank branch nearest to me to rectify the situation. Every time, the teller apologized and reversed the charge, promised it wouldn't happen again. 

Without fail, the charge reappears, at the start of the next month. 

This time, I was not able to access a local branch, so I called a service line. The line transferred me to a representative, and, midway through my explaining the issue, the call disconnected. I then called again, and nothing could get me through to a representative. Being generous, and calling these issues technical difficulties, I am still beyond frustrated that a customer is unable to connect with people who can keep their money from being STOLEN. 

{$50.00} dollars doesn't seem like a lot to most folks in finance, so let me spell it out : {$50.00} is eating for a week and a half. {$50.00} is having enough to keep the utilities running -- imagine you have a midterm ( the grade of which will determine your ability to achieve post-graduate education ), try getting ready without POWER. 

This is theft, and the most degrading and frustrating part is that I've done my best to RESOLVE IT, FIVE TIMES.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I mailed disputes to Equifax, XXXX, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

Equifax & XXXX continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, XXXX has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX XXXX ) and Case No. XXXX ( XXXX XXXX ) United States District Court for the XXXX District of Virginia ) ) I am requesting CFPB investigates these matters ... 

Equifax PUBLIC FILINGS XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  PUBLIC FILINGS US BKPT CT IL XXXX   XX/XX/XXXX US BKPT CT IL XXXX XX/XX/XXXX
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX TRANSUNION, XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX XXXX : acct # : XXXX XXXX- XXXX XXXX acct # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX- XXXX XXXX XXXX XXXX XXXX  # : XXXX TRANSUNION AND XXXX XXXX in sv : acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct. # : XXXX TRANSUNION XXXX XXXX XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX TRANSUNION XXXX XXXX XXXX AND XXXX- XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX : acct. # : XXXX TRANSUNION AND XXXX- XXXX : acct. # : XXXX TRANSUNION- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX- NO CREDITOR NAME : acct # : XXXX XXXX- NO CREDITOR NAME : acct # XXXX XXXX
Consumer complaint received 2023-05-13
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. (TX)

I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I dont get reminders or alerts for my bank of america account. I get late fees the same day I make a payment! They are sneaky about posting these late charges too. I know other banks arent constantly changing interfaces, and having those changes be to the detriment of the customer. Bank of America 's default view makes the app and website purposefully difficult to read so you don't even know they are charging you. 

When I log on it makes it seem like I have no current transactions as a default but in the background, they have been charging me late fees. Other banks will just show you all the pending history but Bank of America purposely makes this a few extra clicks away. This XXXX, Bank of America charged me {$40.00} in late fees on the SAME DAY I paid my bill! On XX/XX/XXXX, when I called the XXXX call center to remove the charge I spoke with Manager XXXX # XXXX who was adamant this was legal and he would not remove the charge. When I spoke to XXXX about the difficulty of the app and website interface misleading to appear as though no transactions had occurred he referred me to download a statement, which is many more clicks away. This seems illegal. 

When a customer is paying down a bill Bank of America makes it appear as though there were no charges as a default, when they may be charging you late fees which you have to click away inside the ever-changing app or website to find. I dont understand why Im getting charged a {$40.00} late fee the same day Im paying my bill. This also seems illegal.