davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK (MS)

I been contact by XXXX XXXX XXXX XXXX many times and I have tried to work a payment with them and they don't agree, they want the full amount. One time he said he couldn't understand me because I have a XXXX accent, which I reply yes I'm XXXX. After this he said I pay this before they send me to XXXX which I said what are you saying then he said before you go to XXXX. Many times he has threat me that I'm going to be arrested because I don't pay. I do want to pay but I don't have the full amount. I want to work with them doing a monthly payment but they want the full amount.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please refer to previous complaints # XXXX - XXXX and # XXXX - XXXX for the history of this problem. To summarize the previous complaints, after contacting the CFPB and filing a complaint I received a call from XXXX XXXX XXXX 3 days later where he left a message to call him. I tried to contact him on 4 different occasions as outlined on complaint # XXXX only to receive a strange call from XXXX XXXX where he said he had dialed the wrong number and hung up. 
Now Bank of America has sent a notice/statement stating that they did not receive the XXXX payment which was sent XX/XX/2021 check # XXXX. After reviewing the document I see where it was received on XX/XX/2021 and was applied, unapplied and misapplied reversal 44 Times! ( see downloaded documents ). At this point I believe Bank of America has lost all credibility and this needs to be investigated immediately. 
Thank you XXXX XXXX
Consumer complaint received 2019-04-09
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. (PA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (MD)

Per the complaint about m and t bank filed in retaliation they closed my account please tell them to send my funds from my account {$150.00} and close all accounts I want no more business with this bank as right now I can not accept that to do business with this bank I have to be a XXXX and XX/XX/XXXX with woman and women emailing me all day send me {$150.00} and put and resolve the debt then my dispute is remedied. 
I am not calling or emailing m and t bank if they have any responses then put on your Portal and close the accounts and thre are no more deposits coming to and t bank as this day so tell them do not accept any deposit. 
As aXX/XX/XXXXXX/XX/XXXX and XXXX XXXX the account is closed m and t bank can close the account t send a check and do not keep sending me paperwork work everyday all day for me to file for them also in 2009 m and t bank took over my bank and I did not ever want this bank then they closed my account stating I would not put funds in the account m and t bank never liked me because I did not want the marriage act in the state of Maryland not constitutional act.
Consumer complaint received 2023-02-12
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. (SC)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one.

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 and number of Closed accounts that needs to be removed. 
XXXX XXXXXXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter Medicaid insurance. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened XX/XX/XXXX 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

On XX/XX/2018 a collection account was placed on my credit by Convergent outsourcing Corp staying that I owe {$1800.00}. This was not my account in which I should not be responsible for. Prior to the account being forwarded to Convergent, I also explained this information to sprint as well requesting that the account be removed from my credit
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX
Consumer complaint received 2019-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly that I am past due on XXXX XXXX partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (CA)

XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to  confirm each account is unverified.
Consumer complaint received 2020-06-06
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)

My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.
Consumer complaint received 2022-09-30
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. (CA)

I am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, Experian, and XXXX. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX victims request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.
Consumer complaint received 2023-08-11
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. (GA)

I have filed numerous disputes with the 3 credit bureaus ( XXXX, Equifax, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I'm pre-paying my mortgage with Franklin American Mortgage. I was told that as long as a payment was under the amount due it would be applied to principle. They lied. Multiple times I've submitted separate payments which they then combine and pay multiple months. I feel like I'm constantly being overcharged interest and only twice received a corrected monthly interest statement. 

Then they insist on wanting to know who the subscriber is on my cell phone. This is NONE of their business. This is despite the fact I've stated it is my cell phone. 

I feel like I'm dealing with a bunch of charlatans who want to sell my personal information rather than protect my privacy or provide security and over charge me mortgage interest.
Consumer complaint received 2019-04-09
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: BANCO POPULAR DE PUERTO RICO (MI)

Banco Popular is recklessly reporting fraudulent transactions to XXXX, XXXX  and XXXX. which are currently being investigated. Dropping my credit score 45 pts. 

I have a Banco Popular credit card with a balance of XXXX ( XXXX  ) I have no idea why they have provided false information to all 3 credit bureaus stating my balance is {$11000.00}, which is over my credit limit of {$11000.00}. 
Back on XX/XX/2019, I reported fraud to Banco Popular, which totaled the entire amount, as I have never used this card, besides paying the annual fee. I talked to the fraud dept. twice, they were to be investigating. This was on XX/XX/2019. Yet, on XX/XX/2019, Banco Popular reported my balance to XXXX, XXXX and XXXX as {$11000.00}, meaning they included all the fraud charges in violation of the FCRA and the agreement i have with Banco Popular. SO besides Banco Popular violating the law, they have also knowingly and recklessly Breached our Agreement. An agreement they created.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit 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. (OH)

On XX/XX/2023 made a refrigerator purchase using the Home Depot Credit Card using the deferred option plan- On or about XXXX XXXX- I made a payment for the entire amount of the purchase although it was made on a deferred payment option- On XX/XX/XXXX I cancelled the purchase - Home depot is refusing to put the credit back on my account although - The original purchase was made on a deferred payment option and the order was cancelled prior to the delivery date of XXXX- I requested them to apply my payment yo my credit card and they refused to issue my credit stating that they need to make sure that the order was cancelled which could take up to 30 days? Even if the order was not cancelled how can they hold my money without crediting my account for this payment- in addition since I made other charges my account balance reflects a payment due from those charges- without subtracting the credit balance- I spoke with a supervisor in the credit card department and he refused to issue the credit- XXXX at ( XXXX XXXX XXXX I believe this should also be a legal issue of a credit card company holding onto money without posting it to my credit card balance- I want a refund by the end of the week so that I can utilize my money for what I choose Order # XXXX Invoice # XXXX XXXXJob Name : XXXX | Order Origin : # XXXXXXXX XXXX Payment : ConsumerCreditCard - XXXX Order Total : {$2300.00} In-Store Purchase Completed XXXX XXXX Ordered XXXX XXXX Canceled XXXX XXXX
Consumer complaint received 2019-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings (AK)

While attending the XXXX XXXX of XXXX - Online Division, I received a scholarship for the current quarter. The campus has shut down and a refund for the remaining balance has not been sent back to the foundation that issued my scholarship. Attempts to contact the school via email and phone have failed, with any contact with persons in the institution redirecting me to the closed school information page with phone numbers that do not work.
Consumer complaint received 2023-08-12
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. (OH)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft 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
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

On XX/XX/2023, I was unable to open an account because of information provided to an institution by ChexSystems. When I requested online from ChexSystems a free copy of my report I requested the report to be provided to me online. However, after processing my request and taking all of my information ChexSystems informed me online that it " was unable at present to provide my report online and would be mailing me a report instead. '' I SPECIFICALLY DID NOT REQUEST a mailed report and, furthermore, can not at present be available in a timely manner to receive the report by mail, thus also creating security concerns for me as a report with much personal information is being mailed to an address DIRECTLY CONTRARY TO MY REQUEST FOR METHOD OF DELIVERY.
Consumer complaint received 2023-08-11
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. (TX)

On XX/XX/2023 someone tried to open a credit card account fraudulently with XXXX XXXX. A hard inquiry was made through Equifax. Since that time I have tried to get the hard inquiry removed from my Equifax Report. I have sent them every piece of information they have requested. 
Each time I have been told on the phone that the inquiry has been removed and I will be receiving written confirmation. I receive a confirmation that the " disputed inquiry has been deleted '' only to check later myself and find that the hard inquiry still exists. 

Today, XX/XX/2023, I again called to check with an Equifax rep and was told that I needed to submit various pieces of documentation to verify my identity and to verify that the fraud has been reported to police, FTC, etc. Everything was submitted back at the beginning of the process. The rep again assured me that the inquiry would be removed but that they needed to contact the lender, etc. I have already sent a copy of a letter from the lender telling me that they had notified Equifax to change the hard inquiry dated XX/XX/2023 to a non-display inquiry.
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (TX)

Equifax credit bureau has failed to report all of my paid auto loan accounts from ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I previously contacted each of them like the Equifax representative told me to and have them to report the information again, at which they obliged. I check my report months later only to discover again Equifax is the only bureau not reporting the information. I recently applied for an auto loan with a local dealer and was turned down by many lenders whom ran an Equifax credit report where there are no paid auto loans present, and multiple inquiries obtained along the way. I spoke with Equifax today and they refused to correct any of the above mentioned issues. They instead insist I file an identity theft report which has nothing to do with this issue and furthermore appears to be lying in order for them to correct their mistake.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2019-09-18
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.