davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (NV)

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 this account ( A ). It is not permissible to fail to validate these reporting account 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 delete : XXXX  XXXX/XXXX  XXXX
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (FL)

Credirt report is reporting inacurate information on my credit report. It is reporting a XXXX XXXX XXXX Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to experian XX/XX/XXXX Experian has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.
Consumer complaint received 2021-05-12
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2018-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX client, XXXX XXXX is a victim of identity theft. A current credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 with XXXX XXXX XXXX/ Cabela 's that he did not authorize reported to XXXX . My client first contact contacted Cabela 's because he does have a legitimate account however he did not apply for this second one. An official dispute was sent to Cabela 's XX/XX/2018 and as of this date no reply concerning the investigation was received. This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I had a XX/XX/2018 USAA Visa bill of {$150.00}, which was due on XX/XX/2018. I paid the XXXX bill and mailed it on time, as I have done for 22 years with USAA Visa. They failed to cash the check until XX/XX/2018. I received the next XXXX statement which includes an interest fee of {$30.00}. I disputed this fee by phone on XX/XX/2018 and was told the interest was calculated at the end of every day for my future credit purchases. That is, as I continued to use the credit card, but prior to my having the XXXX statement, I was being charged interest on credit card charges that were not yet due. USAA Visa can not explain why they failed to cash my check in a timely fashion. I believe it is extremely improper for them to bill me for interest on the charges that were not yet due. Despite their slow processing of my check for the XXXX statement, I am willing pay interest on the {$150.00}. But it is dishonest and wrong to bill interest on credit card charges that are not yet due. This practice is not only illicit ; it also fosters fraud because USAA Visa has a financial gain to not process and cash payments in a timely fashion so that they can then drive up interest fees on bills that are not yet due. Last, when I asked USAA Visa for the outside agency to report the problem, they failed to tell me I can report it to the Consumer Protection Financial Bureau.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MA)

Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response.

Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.
Consumer complaint received 2021-05-12
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. (FL)

I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and tXXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (GA)

I sold my house and my mortgage was closed on XX/XX/2020. My mortgage was with M & T bank. They were not who I initial took my mortgage out with. They have been problematic to deal with since they became the servicer. 

I did not receive the mortgage tax statement for 2020 showing how much I paid in interest and taxes for the 2020 tax year. I realized this when I went to do my taxes with the collected documents. Normally these form are easy to retrieve on company websites Previously when my mortgage was serviced by XXXX XXXX, I could alway get them online ( but never failed to receive a paper statement ), however, M & T bank closed my account so I can't log in to their website and get the document. I get an error message when I try to log in. 

I tried calling the bank on Saturday when I was doing my taxes, but was told that the online department couldn't help me. I called back today and have been on hold waiting for over 20 minutes now. It's a silent hold. I'm not optimistic I will be able to get through at all. 

It feel like since I am no longer a customer they have no interest in helping me get the matter resolved.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 TransUnion
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i requested for XXXXl XXXX, XXXX and transunion to provide me with the written authorization of the consumer i even called and asked for them personnaly to remove the inaccurate inquiry the credit bueros told me file cfpb complaint
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

on XXXX I recieved an inquiry on my credit report for an account that I never inquired for - my social security number has been frozen since XX/XX/2022, yet somehow an inquiry for credit using my social security number was made.
Consumer complaint received 2022-03-28
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

In XX/XX/XXXX, I was called by I.C. System Inc. Regarding an alleged debt for XXXX. I demanded that they validate the debt and requested that they pro idea me with the original purchase agreement to prove they own the debt, their business license to prove they have legal authority to do business in Ohio, and their Ohio debt collector license. 

I was never sent anything in writing regarding the alleged debt, nor was I notified that I could dispute the debt. 

On XX/XX/XXXX, more than 30 days after I demanded validation of debt, I.C. System Inc. reported the collection on my XXXX XXXX file. 

I attempted to contact them at the number provided on my credit report : XXXX, but received an error message.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

A new practice has developed at Truist bank that is clearing checks in the middle of the night. I guess the Reserve transfers the check copies over to the banks at night and when Truist receives the check copies, the checks are cleared with the previous days date, although the day to me has been closed. The process to help people not bounce checks has been established the deposits credit first. In this way, if you see an amount pending, a deposit can be made and avoid overdrafts. This practice of clearing checks between normal business hours means that I can check my account at XXXX and have a positive balance, but get an alert at XXXX am that my account is overdrawn. Immediately, the bank charges a fee for NSF and dates the check cleared as the day previous. If the check were dated on the actual date of the XXXX am day, then I would get a notice that I have a PENDING NSF balance and would have a business day to make a deposit. In short, I feel like the bank has a notice with a time posting that specifically states that transactions after closing ( might be XXXX pm ) will be processed the following business day. It only seems to follow that also debits posting after the specified time should also post on the following business day.
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XX/XX/XXXX, today, I received another notice and loan documents. I don't need a loan. I'm paying the principal amount every month. 
I tried to reach my account online and it's been removed. Can not make any payments online, period. 
HELP
Consumer complaint received 2022-07-07
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: Navient Solutions, LLC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

NAVIENT # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

CONTACTED COMPANY REGARDING OUTSTANDING ACCOUNT ON CONSUMER REPORT, SPOKE WITH AGENT REGARDING SETTLEMENT OF ACCOUNT, WAS ADVISED IN THE BEGINNING OF THE CONVERSATION THAT THE PHONE CALL WAS BEING RECORDED AND THAT THE ACCOUNT WAS OUT OF STATUTE AND THAT THEY WERE NOT LEGALLY ALLOWED TO SUE REGARDING THE DEBT SINCE IT IS OUT OF STATUTE. AS THE PHONE CALL PROCEEDED THE COLLECTOR WOULD NOT ALLOW ME TO SPEAK WAS CUTTING ME OFF AND WOULD NOT ALLOW ANY NEGOTATIONS AND WAS USING SCARE TACTICS MAKING STATEMENTS ABOUT HOW IF I DIDNT PAY THAT MY CREDIT WOULD CONTINUE TO BE EFFECTED AND THAT THE ONLY WAY FOR THEM TO REMOVE WAS TO PAY THE FULL AMOUNT THEY WERE REQUESTING ON AN OUT OF STATUTE DEBT. THEN THE COLLECTOR PROCEEDED TO TELL ME THAT I WAS LEGALLY REQUIRED TO PAY THE DEBT IN FULL AFTER I HAD OFFERED A REDUCED SETTLEMENT OFFER TO RESOLVE THE OUT OF STATUTE DEBT. I ASKED TO SPEAK TO A SUPERVISOR SINCE THE COLLECTOR STATING THAT I WAS LEGALLY OBLIGATED TO PAY WAS A VIOLATION OF THE FDCPA SINCE THE ACCOUNT WAS OUT OF STATUTE. WAS THEN TOLD THAT THEY DID NOT CARE AND THAT IF I DIDNT PAY IN FULL WHAT THEY WANTED THAT MY CREDIT WOULD BE AFFECTED AND THERE WAS NOTHING THAT THEY WERE GOING TO DO.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone gained access to my bank cards through an online hack. Bank of America refused to refund. Over {$1000.00} in 50 + transactions over the course of a week. Retailers included are XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. This has ruined my life. The money I had saved as my nest egg is now gone and no one is held responsible. But I am on the hook for everything. Even though I've began flagging the accounts that are fraudulently using my card.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (IL)

My complaint is againt Equifax. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information.

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days.

1 ) Equifax misplaced my private identification documents 2 ) Equifax lied about expediting the removal of negative credit information 3 ) Equifax gave me the run around when I tried to get this taken care of
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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. (NC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2021-05-12
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. (NJ)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-08-31
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: Experian Information Solutions Inc. (TN)

XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, XXXX  and experian and havent received any help. It has lowered my score XXXX points