davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Hello. I recently just got off of the phone with a representative in the Equifax dispute department ( XXXX ) named XXXX. The time now is XXXX Eastern. This complaint is about a bankruptcy on my credit file that I have disputed via certified mail on XX/XX/18 asking for physical verification as I am entitled through FCRA Section 609 ( a ) ( 1 ) ( A ), an original consumer contract with my name signed in ink. I am XXXX years old and have had a XXXX credit score recently with Equifax, there are a number of damages this has caused in my life. The company responded to my dispute by sending me a response letter dated XX/XX/18 that mentioned " this account was verified as belonging you to you, '' and also stating that they received this information from XXXX XXXX. I have spoken to the courts, they dont provide information to third parties, and my XXXX XXXX consumer file has been frozen since mid XX/XX/XXXX. I spoke to XXXX XXXX tonight and they assured me that with a frozen consumer file, no third party would have access to any legal information of mine. My complaint is not only did they not provide me with the physical verification as to this account actually belonging to me, but they said they verified through a frozen consumer report. How can that be? I would also like to mention that the Equifax representative hung up on me before I ever told her my name, I called back to verify her name was actually XXXX, which she answered the phone a second time.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has  closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.
Consumer complaint received 2019-03-31
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: EQUIFAX, INC. (WA)

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-14
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: ProCollect, Inc. (GA)

ProCollect Inc is reporting on my credit reports that I owe them a balance of {$550.00}. I never had a contract or resided in a property ProCollect Inc Manages. I asked them to provide validation and they sent a lease from XXXX XXXX XXXX They werent able to provide any payments or receipts .I was unaware this was going on my credit reports as I was not notified and never had an agreement or contract with Procollect. Per FCRA regulations notice should have been given no agreement or contact stating I owe them and agreed to a certain amount that they request. If item arent deleted I will seek legal counsel as this is a violation of the FCRA regulations.
Consumer complaint received 2019-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This company is making repeated reports within a month reporting unlawful reports because reporting the same account repeatedly with in the same month is fraudulent reporting. I don't even know who or what they represent.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company (CO)

I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2018-11-14
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. (NV)

I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My dad passed away in XX/XX/2021. I submitted all of the paperworks and his death certification to Bank Of America estate department per their requested, it took them over a year to approved that account is closed. I called and spoke to the reps many times and still don't received funds from my dad 's account. The remaining funds in the account is getting worth less over the time based on inflation and they don't care.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (TX)

Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: U.S. BANCORP (TX)

So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing
Consumer complaint received 2022-07-12
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. (AL)

XXXX XXXXXXXX XXXX is currently showing XXXX late payments on Transunion XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. XXXX is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Name of our company : XXXX. 
Bank of America Merchant services Merchant ID : XXXX. 
We opened a Merchant account with Bank of America and now we are no longer in business. 
We called to close the account and they told us that we need to pay {$500.00}. 
They falsely told us that we have a contract ( we don't, we never signed one ) and we can't close our Merchant services account before 3 years. 
We never signed such contract and they are trying to bully us into paying this outrageous fee just for closing the account.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account, XXXX, XXXX, XXXX, 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 Acct without my written instructions. 

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment XXXX Account # : XXXX XXXX Account Type : IXXXX XXXX XXXXXXXX  Account Type - Detail : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All Banks : XXXX  XX/XX/XXXX Bank XXXX Cards : XXXX XXXX  XX/XX/XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Dealers, Used : XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX  XX/XX/XXXX Bank Credit Cards : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXXXX/XX/XXXX Bank XXXX Cards : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Used : XXXX XXXX XX/XX/XXXX XXXX Dealers, New : XXXX TV XX/XX/XXXX Credit Cards Issued By XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX Credit Card : XXXX XXXX XXXX XXXXXX/XX/XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXXXX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX Personal XXXX Companies : XXXX XX/XX/XXXX Credit Bureau/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Auto Dealers, Used : XXXX OF XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.
Consumer complaint received 2022-07-12
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. (FL)

XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVIC XXXX # XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have written to them several times and call them to send me proof that this is in fact my debt. No XXXX time they sent me a contract with my information and signature. This has caused harm to my credit profile and prevented me from getting favorable debt.
Consumer complaint received 2022-07-12
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. (NY)

my rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, Child support Enforcement # XXXXXXXX XXXX  # US DEPT. OF Ed # ending XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-06
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. (LA)

I WAS LOOKING AT MY CREDIT REPORT AND WAS SHOCKED TO SEE ACCOUNTS THAT WAS AUTHORIZED BY ME. I FILED A POLICE REPORT AND FILED A FTC CLAIM AND WITH THE CFPB. I CAN'T BELIEVE THIS IS HAPPENING TO ME. THIS IS VERY DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.
Consumer complaint received 2022-07-12
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. (NJ)

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 4 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, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-05-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

Called Citibank XX/XX/2021 to close account. Was informed that the account would be closed in 1 to 2 business days and a check mailed within 5-7 business days. Despite multiple calls to Citibank over the ensuing 2 weeks, the account still has not been closed. During subsequent calls different people provided time frames as long as 10-15 business days to get the account closed. As of today, XX/XX/2021 the account is still open.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (TX)

Ive been waiting for at least a month for credit decision and application to be approved for credit card and I called the security dept and they were rude to me and kept saying that they never receive the documents from and I mailed them since XX/XX/XXXX and I send it priority mail and I also fax it in on XX/XX/XXXX and still no decision on my application and no one isnt helping me and ... I talk to a young lady from the security dept and she was acting unprofessional and told me it was a waiting game and told me i cant Jump ahead of customers and the documents come in .. in the order of receive and Ive been sending at least 3 documents and she also said if I keep on sending documents again that it will start the credit decision all over again my application number is XXXX