davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX  reported a collection account to my Equifax file. I received notification from Equifax and submitted a dispute. Equifax responded saying, " We verified this item belongs to you. '' I have no knowledge of ever receiving services from XXXX XXXX XXXX XXXX XXXX and I have no idea who or where they are. I have never received any bill from them and can not locate them to ask questions about the charge. Collection agency XXXX XXXX  XXXX has never contacted me by any method to attempt to verify or collect. They simply reported it to my Equifax file. XXXX XXXX XXXX does not answer their telephone : I called numerous times over 8 days and got the same recording every time, " XXXX XXXX XXXX is not answering. This mailbox is full and can not accept new messages. To disconnect, press 1. '' XXXX XXXX  XXXX has effectively blocked me from obtaining any information about this charge, and instead damaged my credit by reporting a charge I have no knowledge of and have no way to get more information about.
Consumer complaint received 2019-01-18
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. (NH)

XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

After CITI DOUBLE CASH CARD robbed me of {$230.00} by siding with a merchant who promised 100 % customer satisfaction and to pay for return shipping, but did not honor either promise, as I proved with screen shots of the merchant 's XXXX page, I tried to close my account. CITI 's website says that the way to close an account is to call their customer service number, which I did on or about XX/XX/2023, when I asked them to close my account. Since then they have continued to send me checks, and now they have emailed me that they are sending me a new card. I want this to stop. They are crooks, in cahoots with XXXX scam artists, and I want nothing to do with them. And I don't want responsibility for any checks or cards that they send me.
Consumer complaint received 2019-01-18
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. (NH)

XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.
Consumer complaint received 2018-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have tried to deal with XXXX about my Capital One account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to XXXX on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when XXXX refused to send documentation following their result from the dispute. I sent letters to Capital One on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( Capital One or XXXX ) verified this alleged " debt ''. I have got letters from Capital One dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my Capital One account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
Consumer complaint received 2023-08-02
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-02
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. (NJ)

I noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-01-19
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: CHECK INTO CASH INC. (CA)

On my XXXX  report a credit inquiry XX/XX/2019 from the following. 
Check into Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I didnt apply for anything credit or cash Called phone number got automated service left message received no call back
Consumer complaint received 2021-08-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

the original loan officer XXXX  # XXXX took a loan refinance application from me after I applied online through ROCKET MORTGAGE. Loan Officer ran my credit, asked for my income scenarios, almost declined me on the spot, until i told him my wife has part time job. he was not interested in seeing my entire financial picture or tax returns and was declining me based on verbal income verification. then he asked for two years w2 from my wife 's part time job and disappeared on me. when i reached him a week later, he said my application is simple passed to another loan office. there has been no communication from him except passive responses to my complaint. I like to know how they can deny me without looking at my full taxes, and why they are not responsive, except to pass the blame and use excuses only when I ask him for explanations.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (SC)

Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was a XXXX account holder 100 % payment History and my accounts ws closed and reported and charged off after I reported fraud claims..
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-07
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)

I asked Experian to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Now over 120 days later I have not received one word about my inquiries and more importantly about the inaccurate items reporting on my credit report published by Equifax, XXXX and XXXX XXXX. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 128 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Contacted Equifax several times about an inaccurate discharge date reporting on a public record. Ask the bureau to investigate and send me original copies, proof of the date in question from the court house. From my understanding, i have the right to have accurate data reported at all times. An inaccurate date prohibits my ability to apply for credit. The investigation was done by a third party, and i have no knowledge of their process and methods of verification.Nor did they inform me of such after i requested. The court house has already expressed that they do not verify information with the credit bureaus via in person,phone,fax or email.My complaint is with the original documentation filed at the court house. I understand we live in modern times and most of the information is copied and posted online, however, i need the credit bureau to verify the accuracy of the account in question via the courthouse. THE ERROR IS WITH THE ORIGINAL FILING.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

The NC State Employees Credit Union experienced some kind of fraud with several XXXX XXXX accounts across the state and had to shut down for several hours according to them and they took money from some of my associated accounts to handle their fraudulent debits from whoever hacked their bank
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This morning, XX/XX/22, I noticed I had received three emails at around XXXX from Bank of America regarding a pending application for a XXXX XXXX account. I did not open the account. Someone used my name and information to do so. I tried calling this morning at XXXX and the automated voice asked me for an account number that I do not have access to. I was unable to speak to a person unfortunately.
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (CA)

AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX closed my account claiming there was fraud on the account and there was no fraud. This was 3 months ago and I have not received my money that was in the account at the time of closure. They keep saying it will be mailed and it is never mailed.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act Fifth Third Account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2020-09-15
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: JPMORGAN CHASE & CO. (TX)

I missed the payment for XX/XX/2020 as was unable to contact the bank ( J.P Morgan - Chase ) over the phone as I was on Furlough effective XXXX XX/XX/2020. However I paid the pending payment in XX/XX/2020 and currently current on my account. 

I spoke to the bank in XXXX and they waived off the late fee, However the bank report the the late payment for XX/XX/2020 on XX/XX/XXXX which bought my credit by more than 100 points. 

I spoke to the Chase Morgan and they raised the order but after 4 days waiting period the bank refused the repair the credit score as they stated they did fair reporting and got nothing to do with Covid problem and got nothing to do with what the US government assurance and legislation.
Consumer complaint received 2023-08-02
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. (TX)

When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

About a month ago, I disputed my credit card account with Discover almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.