davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These 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  And one more thing according to 15 use 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachments below
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IL)

Had service with the company and I moved. When I moved the company could n't provide the service I previously had and suggested another offer they had. When company tried to install the new service it did n't work and the are trying to charge me for the service I never had at my new address. I informed them that since the service was never hooked up in my home in which they are trying to charge me for because they tried to install it over the phone and it did n't work that I should not be financially responsible for it. I later found out that they do n't service the exact building complex I live in and had to use another service anyway. In the building I live in you have satallite dish in order to use service and they do n't offer that through their company they have another company they work with for that. I never used the service and then they told me that it was a previous balance. I asked them how could it be a previous balance because they would n't even had tried to transfer my service if I had one. This  complaint is against XXXX XXXX XXXX amount is about {$210.00}
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

For many years, Equifax has reported my birth year as XXXX. I have sent them proof of my correct birth year on three separate occasions with the most recent time being in XXXX. Each time I am able to get through to a live person, they state they do not have my information. In XXXX of XXXX, I sent them copies of my Drivers license, Social Security card and Passport. I have previously also sent copies of my birth certificate. It seems that these items get lost in the mail or never opened.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I was served with a summon for credit card debt by Midland Funding LLC. This is the second time that they sue me. The summon was signed by Judge XXXX at XXXX XXXX XXXX County. Case # XXXX. 
The name in the document is right and address are right. I have to say that My information were stolen in 2014. 

There is something scary about how this people operate. The documents envelope was open and the person delivering the summon say that the packet was open. The messenger says that the envelope was sent that way. However, my security camaras caught the person was opening the packet Thats a breach of privacy. 

I want the chargers drop ( again )
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I disputed directly with ERC in XX/XX/2018. I received a copied bill that the dates on some pages where edited and information changed. I sent a 2nd request on XX/XX/2018 to dispute and req signed contract or judgment as the address listed in the documents was no longer my address at the time/dates listed. Address the dates were altered and not matching date/ year that's in the history. I have not received a response from ERC.. They continue to report inaccurate information in my credit report. Attempt to dispute via credit agency a s they stated I have to dispute directly with ERC.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following address should be added : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

opened a One Deposit bank account with Citizens Bank in XX/XX/XXXX after receiving multiple marketing emails from them stating that I would receive a {$200.00} bonus if I deposited {$500.00} into the account within 30 days. On XX/XX/XXXX I deposited that {$500.00}. In XX/XX/XXXX, I called to check on my {$200.00} bonus and was told it could take a while to show up in my account. I then called back in XX/XX/XXXX and was told to call back in two weeks because the bonus should apply at the end of the month. So I called back a few weeks later and was told it could take up to 90 days. In total I called 6 times, those dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After 90 days I called the customer support team again and was told that they would have to contact their marketing team. I was assigned a case manager who never answered any of my calls and called me back 5 days later to inform me that the bonus would not ever apply to my bank account because Citizens Bank does not have the correct link they need to apply the bonus. Instead of them finding verification that their link doesn't work properly, they decided to ask me if I had a 4-month-old confirmation email from them. After 5 months of being told to wait for my bonus, which I am entitled to because I followed the rules that were laid out for me, I am being told that this bonus does not apply to me. This is a scam. My case manager claims she has no control over it and the fact that her customer service agents are incompetent and told me I would receive my bonus. She also stated that this happens often and usually clients are able to produce the emails. Which only tells me that Citizens Bank is not properly handling these bonuses. Again, this is a scam. It is deceptive to have someone add funds to a bank account under the guise of a bonus then claim they are not going to receive it because they didn't save a 4-month-old email. I would like to receive my bonus as it was promised to me when I opened the bank account using this link https : 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
Consumer complaint received 2023-03-21
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The problem is with my escrow account. Because we were out of town and missed a short turn around letter from the bank. We were given a shortage amount to be paid. We were given a subsequent amount to pay which we did. The analysis said if we pay that amount we would pay the smaller designated amount {$1600.00}. However, that did not happen and we received a higher payment in the XX/XX/2019 statement. Since then we have received two more analysis and and three more statements with different amounts to pay. All of them increasingly higher asking us to pay more because this bank incorrectly planned for the following years tax payments. Now we are being asked to pay more ( {$1600.00} ) than we can afford per month. We are willing to do what we can but this bank is being very unreasonable. I tried to get the problem solved with help from the XXXX but that is useless because they assume no responsibility just want us to pay for their mistakes.
Consumer complaint received 2019-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I applied for a Home Equity Line of Credit with Chase Bank and was given a loan number. The process got underway and over the next several weeks I provided all the documents required for the approval process to move forward. I provided several years of paycheck stubs, W-2 's for the last 2 or 3 years, last 2-3 years of official Tax returns as well as homeowners insurance, property tax statements, investment property documents among many other things. All along the same time my Tax Attorney & Tax Accountant ( CPA ) provided me guidance and gave me no reason why I would not be approved for a HELOC. The home was appraised at over {$630000.00} and I owe just over {$310000.00} on the home to the bank which gives me just at 50 % equity in my property. I was approved by Chase for {$180000.00} HELOC which is roughly what was allowed by lending guidelines for me to get as a loan. Long story short is that I was contacted by the bank on XX/XX/2019 and was told by XXXX that they could not extend me a HELOC due to my income to debt ratio. I make about {$130000.00} per year in income from my employer, have about {$8000.00} in rental income each year and have equity in my home as well as all my other investment properties are completely debt free. I have no other debts, no credit card debt, no automobile loans at all and have a FICO credit score of XXXX. When XXXX contacted me about this and gave me the news that Chase could not extend me a loan ; I pushed back and disagreed with the decision. I pushed back even further and told her that if Chase could not extend me a loan then I needed Chase to send me a letter stating such and why as well as send me all the paperwork that went into the decision as to why I was being denied the loan. I then got a call from Chase today XX/XX/2019 where they further explained their decision but after further review they were going to extend me a credit line of {$28000.00} or so. I find this really hard to believe that with my credit score & equity in home that the bank can not provide me access to my own equity in my home. I believe I have been deceived by Chase Bank as their own employees can not agree on what I qualify for by changing their position after I pushed back at the initial decline of credit. I have not received a loan decline letter yet but should receive this shortly. I am not sure if why they would not loan someone with great income, impeccable credit score and no debt other than my primary residence a loan but something is not right about this. Is it because I am a Veteran, is it because of my age, I don't meet their " quota ''? I plan on finding out the answer and will not pursue this matter to the fullest extent of the law and will spend money to prove it to myself or them as to who is right or wrong.
Consumer complaint received 2019-09-24
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. (MO)

XXXX ; XXXX and Transunion are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed a CFPB Case XXXX | Capital One Case : XXXX. 

Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. 

XXXX-XXXX  is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. 

Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!
Consumer complaint received 2023-03-21
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. (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-27
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)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2019-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (SC)

I hav a collection on my account from a Collection Agency attempting to collect on a debt collection hat is not owed. 

They claim to be collecting for a company called XXXX XXXX XXXX XXXX who was closed due to fraud. The company was closed and was never able to provide consumers with titles so that customers could get permanent tags. 

The car was NEVER repossessed. I'm not sure who this collection agency is but I know they can not validate this debt and I'm sure they do not own the debt. This company is illegally trying to collect on a debt they clearly do NOT own. They can not validate the debt or show proof of ownership according to the FDCRA. This is illegal and fraud!!
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXXonsumer 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 : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,