davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (GA)

Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, XXXX, and Equifax on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in XXXX. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account.

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in XXXX. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and XXXX. XXXX reports a High Credit of {$340.00}, while XXXX reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report.

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.
Consumer complaint received 2019-10-03
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Been faxing modification since XXXX SEE PROOF, Wellsfargo says NEVER RECEIVED UPDATED INFO HAVE SENT AND AGAIN XXXX AND TOOK OUT OF REVIEW XXXX XXXX is XXXX XXXX  XXXX XXXX AND KEEP ASKING FOR PAY STUBS AND P & L IS ONE OR OTHER! XXXX BANK BAD SERVICES, LIARS, MISSING ALL PAPERWORK THAT IS SENT! REFAXING AGAIN TODAY AND COMPLAINING! Wellsfargo will respond saying havent received etc ALL BANKS SAY THAT! hire and train someone with brains!
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ZWICKER & ASSOCIATES (MA)

Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX   business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. 

What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. 

I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. 

The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (TX)

I have a checking account with USbank. When I opened the account, the banker told me that there's no monthly fee if I have any usbank credit card. The advertisement says the same thing. However they still charge me a lot of monthly fee and they said my business credit card does not qualify.
Consumer complaint received 2021-03-03
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: CITIBANK, N.A. (NV)

I had called XX/XX/XXXX to have an authorized user by the name of XXXX XXXX removed from all my accounts. The citi bank representative assured me he had been taken off but in XX/XX/XXXX he was still able to use the card that was supposed to have been deactivated to make charges for a cruise ship. Citi bank failed to properly remove him thus allowing these charges to be made. They keep refusing to remove the charges because they cant find the recording of the phone call when I asked to have him removed which is completely unfair to me. Because they failed to do their job correctly I am punished?!? I dont think so. I have called over 20 times and spoken to multiple departments and supervisors and now they are just completely rude and they hang up on me and its completely unfair and unprofessional. These charges need to be removed. Citi bank and XXXX XXXX ( the person who was not supposed to even be on my account anymore in XX/XX/XXXX ) are responsible for these charges not me!! Furthermore they allowed all of Mr. XXXX contact info to be kept as the primary contact info on my account leaving me completely in the dark about these charges even being made. HORRIBLE CUSTOMER CARE! I have even sent letters to try and get the correct resolution and no one responds and their representatives on the phone are awful and no help at all. This has been a completely nightmare!
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

i opened a account around a month ago and they froze my account and told me i need to come down to the bank with 2 forms of ID i don't live near the bank and they won't let me verify it any other way so i want to close the account as i have money in it. they won't let me close it or do anything until i come down
Consumer complaint received 2019-04-07
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: Experian Information Solutions Inc. (TX)

Experian Section 15 U.S.Code 1692 { e ] False and Misleading Representation XXXX WHO is XXXX XXXX XXXX { XXXX } is scaming you to report this account again where you removed it a few years ago for lack of evidence and documentation By using the XXXX name Section1692 e { 14 } of the fair debt collection act, the XXXX circuit court states failure to use true name. Enclosed is case and the fraudulent effort to collect on a Alleged debt that I proved in the past was not mine and you removed it under XXXX, this explains why they refuse to show any documents also XXXX of Texas  refused you where notified by CFPB of these facts as they are witness to you getting the documents remove this fraudulent account at once 10 day to reply
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Equifax XXXX and XXXX have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Consumer complaint received 2023-06-13
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. (TN)

XXXX INQUIRY : XX/XX/2022 THIS INQUIRY WAS PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I AM WRITING TO DISPUTE THIS ITEM ON MY CREDIT REPORT THAT APPEARS TO BE INACCURATE; UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO DISPUTE ANY INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS INCORRECT. 

ACCORDING TO MY RECORDS, THIS ITEM IS INCORRECT AND SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2023-06-13
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. (TX)

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. 

No XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax 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 2023-06-13
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. (WV)

The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called XXXX and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I reached out to each of the three credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for Equifax and XXXX for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for Equifax and XXXX for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2019-05-10
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: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX. I have been informed, by XXXX, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by Synchrony Bank. 

On XX/XX/2019, I contacted XXXX for a status update as it is only a few days away from the 60 day timeframe. XXXX  informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from Synchrony bank. I informed the representative that Synchrony bank does not provide the customer a copy of the letter and that it is electronically sent to XXXX. XXXX  persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to Synchrony Bank. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether XXXX  is able and should receive electronic letters of deletion of credit or if Synchrony bank must provide the customer a copy of the letter of deletion of credit. In addition, Synchrony bank automatically opens a line of credit with simply a drivers license without validating the correct social security number.
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I received a letter of collection and law suit threats for the amount of {$240.00} on XX/XX/2019 from a parking ticket that was issued in XXXX 16 years later this letter comes in the mail and threatens to sue me. I have tried calling them every day and can not get through to a live person.
Consumer complaint received 2019-05-10
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. (LA)

TRANSUION is still allowing items report to my credit file. My lawyer and i have contacted the creditors and received written responses by email and mail, which is attached in the documents i included. TransUnion is still trying to waste time and contact the creditors of these 3 unauthorized inquires. The other bureau 's has already taken care of this issue within 3 business days, Why can't transunion do the same!? 

The creditors sent my lawyer and i letters to send TransUnion, stating to remove the following inquiries off my report and TransUnion refuses to remove instantly. 
PLEASE SEND THIS ASAP AND REMOVE ASAP before we pursuit with court.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I purchased windows for my home ( as the windows were beyond repair ). Lowes worked with me on this, and stated that I could get the promotional 24 months interest free. I knew that I would have this paid for and have always made my payments allocated to where the " promotional purchases '' were paid and plus the additional principal and interest for that particular month. The purchase of the windows were {$5000.00}. 
In the latter part of XXXX, my washing machine and dryer went out as well. Upon having to purchase these during the " XXXX XXXX Sale '', I knew that the windows would be paid for ( since obviously they were purchased first, then the washer and dryer ), but I was willing to pay the interest on the washer and dryer vs. the windows. 
It was XX/XX/XXXX when I realized that Lowes had placed the washer and dryer purchase BEFORE the windows ; therefore, the payments were all being applied to them and NOT the windows. I panicked and immediately emailed them to inquire. I got a very valid response, and the representative did not answer my question as to why they placed this purchase BEFORE the windows, so today, I saw where they put {$3400.00} of JUST interest on my credit card statement, which put me negative on my card. I don't know what to do as they completely did NOT place in the disclosures that the purchases would be placed in a particular order, when it's common sense that the " older purchases '' are paid for first, then the rest, which is how all other processes are completed ... .. or so I thought?
Consumer complaint received 2022-06-18
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. (MA)

In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right of privacy 15U.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 2019-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

Hi, I recently had an identity theft where the criminal opened a PayPal online credit card with my personal information. While I am disputing the fraudulent transaction charges with the company, I think this company 's business practice is unethical. Here are a few reasons why I believe so. 

First of all, the account was opened without informing me or the activation process with mail. 

Secondly, I have a PayPal account already but they are not connecting the new account with my already existing account information what so ever such that there's no way that I can know the existence of this crime until I receive a statement. 

Thirdly, they allowed the card to be used on the same day as the card was open. This means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company. 

What's really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that that's how they practice the business. 
I am very surprised that this kind of business practice is allowed for a well known company like PayPal.
Consumer complaint received 2019-05-10
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. (VA)

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. Ive contacted FTC and my local police. Im doing this myself. There are still items on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (NJ)

In XX/XX/2019, we received notice that a medical bill was sent to CMRE Financial Services for collections. I was in the process of paying the hospital ( XXXX XXXX XXXX ) when the debt was sent to collections. CMRE is attempting to collect {$880.00}, which is not the correct amount. This amount does not take into account the payment I made to XXXX XXXX XXXX on XXXX XXXX for {$25.00}. I have repeatedly sent letters to CMRE requesting that they verify their information with XXXX XXXX XXXX and only attempt collection on the amount I actually owe. I believe this whole ordeal is a result of XXXX XXXX XXXX accepting the payment from me on XXXX XXXX, but not giving that information to CMRE. CMRE claims they have contacted XXXX XXXX XXXX and validated the debt, but they are still sticking to their claim that we owe {$880.00} rather than the actual amount we owe which is {$860.00}.
Consumer complaint received 2022-10-13
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)

XXXX I wish to complain about XXXX, XXXX and Experian in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, XXXX and Experian ) to report anything on my credit without my consent
Consumer complaint received 2023-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I sent certified mail dispute letters and company claims that they never received. I am disputing incorrect items on my credit reporting which is preventing me to be accepted in a program.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2020. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX  XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (AL)

JPMCB-CARD SERVICE I have an inquiry on my XXXX report that I did not authorize. I have not applied for any credit since XX/XX/2021.