davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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. (FL)

XXXX defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XXXX XXXX, XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX, XXXX see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XXXX XXXX, XXXX XXXX PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Consumer complaint received 2020-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

company took over 30 days to investigate issue that violates federal law. also company stated that account does not show on my credit report but it still does show.this is the response that was given under reply to fcra complaint number XXXX the proof that is still shows ran today is below and attached. request XXXX per federal violation. 


the company took over 30 days per fcra to reply with complete resolution to compliant that violated federal law. after 30 days by federal law if complaint can not be resolved item must be removed. they did not follow this federal law. aslo they stated that acct is not on my credit report from XXXX..XXXX ... XXXX XXXX XXXX XXXX XXXX for acct ending in XXXX on XX/XX/XXXX but ran credit report XX/XX/XXXX and still see acct on file with cra. shown below ... ..Home  XXXX XXXX Account Preferences Message Center, you have 0 unread messages0 YOUR CREDIT YOUR IDENTITY Credit Report Date You still have 4 of 6 free Equifax credit reports available before XX/XX/XXXX. 
Get my free credit report XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number xxxxxxxxxx XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed 50 Activity Designator Terms Frequency Term Duration 48 MONTHS Purchased From Sold To Balance and Amounts Balance {$430.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX EFX  ticker symbol Privacy Policy Terms of UseAd Choices Copyright XXXX Equifax Inc. All rights reserved. 

Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners.
Consumer complaint received 2020-02-13
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)

XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and equifax refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?
Consumer complaint received 2020-02-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

In XXXX my ex-husband bought a car at XXXX XXXX  XXXX, Virginia. Our original car loan was through Citifinancial. In XXXX, I traded the car in after our divorce for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Virginia. I paid {$3000.00} as a downpayment and completed the sale. XXXX XXXX XXXX did not pay the balance on the loan with Citifinancial, and found out that the balance had been transferred to XXXX. I contacted XXXX several times to give them copies of the paperwork of the sale of the car, including the documents showing that the dealership had purchased the vehicle. 

In XXXX XXXX and few other finance companies sued XXXX XXXX XXXX in XXXX Circuit Court for the funds that they never received from the sale and trade-in of multiple cars. 

I started receiving debt collection notifications this year, again from law firms, claiming they are taking me to court for the remaining {$10000.00} balance. I live in XXXX, XXXX, and I asked for paperwork confirming their identities and confirming that there is an actual legal case. They refused to send me any paperwork, talk to a more senior person, as well as provide a copy of the debt. 

I called them on XXXX on XXXX XX/XX/XXXX, at XXXX XXXX XXXX, XXXX time. They claim to be XXXX XXXX XXXX, there is no information online about this company, and they continue to leave threatening messages on both my Mom, XXXX XXXX 's cell phone XXXX and my sister, XXXX XXXX 's cell phone XXXX. 

I have not had documentation for this since XXXX.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CT)

I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness.. 

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am writing because I have tried on numerous occasions to contact equifax to have them remove this delinquency from my credit report the account is paid in full but it still appears on my credit report as a derogatory mark making my credit score super low please remove this from my report it is causing me not be able to get apartments and other important financial instruments.
Consumer complaint received 2020-02-13
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. (TX)

I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

On XX/XX/XXXX. I received a written notice from I.Q. Data International stating  they were a debt collection agency and we're attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. This was the first and only written communication I have received from IQ Data International and have never received any communication from XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX, I called the account Representative at IQ Data International, XXXX XXXX, for an explanation of the debt. Mr. XXXX explained that the debt is a result of additional charges due that were not covered by the security deposit upon termination of a lease at XXXX XXXX XXXX. I explained to Mr. XXXX that I formally disputed the debt. Mr. XXXX provided me the name and email address of his supervisor. And instructed me to email a dispute letter to her. 

On XX/XX/XXXX I emailed a dispute letter to the IQ Data International manager,  XXXX XXXX at the email address provided to me by Mr. XXXX advising IQ Data that I disputed the debt in its entirety. 

On XX/XX/XXXX, a derogatory entry was made on my son 's credit report. On that same date, I emailed Ms. XXXX demanding the entry be removed as the entire debt was in dispute. On XX/XX/XXXX, a derogatory entry was made on my credit report for the same debt. 

Currently, and as explained to IQ Data International, this debt has been disputed in its entirety and is working its way through the Civil claims court process.

I believe that I Q Data International violated the FDCPA law 809 ( b ) by entering derogatory remarks on both my and my son 's credit reports despite having been notified this debt being disputed in its entirety.
Consumer complaint received 2022-07-05
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. (PA)

in accordance with the Fair Credit Reporting act XXXX 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 account without my written instructions
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank is reporting a late on my credit file for the months of XX/XX/XXXX, XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that Comenity Bank makes a goodwill adjustment and remove the late notations from my credit file.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The credit card statements fail to indicate the correct balance subject to each specific due date f or each balance transfer due. This inhibits retail customers from knowing the expiration date for each balance transfer amount and makes it more likely the consumer will be charged additional i nterest. I'd like to know if it is a requirement for this info to be provided and if not, what congres sional body ( committee ) I could contact to have them evaluate this concern.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XXXX XXXX FL Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account is reporting late as reported in my 3 Credit Bureaus. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2019-08-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Management Services, LP (NY)

The company Capital Management Services Collections Agency is currently harassing me having people claim to be officers call me. Stating that they have legal documents to serve me with court dates. I called them and they did not want to provide me with the documents they claim to serve with me with. I am not going to pay for something i do not have proof of They stated they attempted to come to my home which is a XXXX, never left any notice or anything. They would have found me at home since I am not working and am always home. I went to the my county court and they told me I had no open cases and that what they are doing to me is illegal. The debt they are trying to collect is old and does not even show up on my credit report. They are harassing me and my relatives and this needs to be stopped. they fail to provide me with any information but still have people claiming to be officers call me everyday, it is very scary and unlawful.
Consumer complaint received 2022-07-05
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. (PA)

n 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 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 2022-07-05
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. (PA)

XXXX 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 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 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.
Consumer complaint received 2022-02-12
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. (IL)

This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

This collection appeared on my credit fir the third time same company but instead of LLC at the end of their name. This debt was removed because they violated HIPPA but they keep continuing putting it on my credit. I am filing lawsuit against this company because this is the third time I have complained about them putting this collection on my credit dropping my score.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

Hi Sir, I am a retired citizen and live on social security and can barely pay my monthly bills. I worked par time XXXX XXXXXXXX but due to cover pandemic alert and my XXXX health I am unable to work at XXXX. Discover card debt collectors are harassing me daily 8 to 10 times daily. I want them to stop Harassing me. If you could help me. Thanks. My phone number is XXXX XXXX XXXX. Tell them to stop calling me immediately. Thanks XXXX XXXX
Consumer complaint received 2022-02-12
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH EXPERIAN AND XXXX CREDIT . THANK YOU!
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. 
On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

XXXXXXXX XXXX XXXX XXXX and TD BANK XXXX  XXXX/target financing after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I made a mobile deposit for {$7900.00} at Chase XXXX XXXX account. Later in the week, XXXX from the local branch called me to let me know there would be a hold on it until XX/XX/XXXX and they were reviewing the check because they could not see who it was made to and wanted to verify the wright payee and amount with the issuing bank and business that sent my business the check. I agreed and waited until XX/XX/XXXX. 

I checked the balance online on XX/XX/XXXX and saw the funds had been cleared and account was in good order. On XX/XX/XXXX I received an email that the Savings account funds were lower than the set up threshold. I logged on and noticed a balance of {$0.00} and all the funds withdrawn. I called the customer service line and all they could tell me is the account was closed and funds were issued to me. On XX/XX/XXXX I visited XXXX in the branch to review what happened. After some time on the phone he said they did not verify with the business that sent my business that they had sent the check to my business. 

After another week I called the service line after XX/XX/XXXX and they verified the account was closed, no explanation and the proceeds of the account were mailed to the mailing address on XX/XX/XXXX. 

Another week I called XXXX at the branch and he said that was good they mailed the check on XX/XX/XXXX because on XX/XX/XXXX they closed the account and were holding the funds. 

I have only gotten passed around to various branch or presidential departments since then and need these funs for my business. To date no one has officially notified me of what happened no letter, no email no phone calls, its almost like they don't know and can not locate or send the funds. This is unacceptable!
Consumer complaint received 2020-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview loan servicing company has made several errors to my escrow account. I have tried to resolve the issue over the phone numerous times, but to no avail. The issue is that my property insurance premium has changed from {$2600.00} to {$1400.00}. My shortage with Lakeview last year was {$2800.00} and now it only went down to {$2400.00}. My property insurance went down over {$1000.00}, so the new shortage amount does not make sense and they can not give me an itemized breakdown. The other concern is with the escrow cushion. Last year it was {$1100.00} and now with the lower insurance premium it went up to {$1700.00}. On CFPB website it states that the cushion must be no greater than 1/6 of the annual disbursement from escrow account, which is {$910.00}. My taxes are {$4200.00} and my insurance premium is {$1400.00}. When I told the customer service representative that information they told me to notify CFPB and the escrow department through email. The google reviews for Lakeview show that I am not the only person have this issue with this company. They are abusing their customers. Thank you for looking into this and please contact from more information, if needed.