davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 40 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 40 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OR)

I have an outstanding collections account with Midland Funding LLC. The debt was reported on XX/XX/XXXX. My husband started a XXXX  and when we lost everything he XXXX XXXX leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {$3.00} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2021, I was called 2 times from phone XXXX and XXXX. The represenative stated that they were trying to collect on a debt is outside the statue of limitatations. I was also was told they could not sue me but they were trying to collect. I previously made payment arrangements, but I was not able to follow through due to no money. Ive had to bear the debt from my moms funeral who passed on XX/XX/XXXX. Im still being harassed today ( XX/XX/2021 ) after explaining all this. The calls from XX/XX/2021 came from phone XXXX. They have also called my husbands phone which is an invasion of privacy.
Consumer complaint received 2018-02-26
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. (ME)

In XX/XX/2018 XXXX XXXX sent me a XXXX, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a XXXX Card in my name. SInce XXXX effectively canceled the debt by issuing the XXXX, they can not report a balance or past due amount on my credit report. I disputed this through Equifax, which XXXX verified the balance and past due amount, there by violating the FCRA as since the issuance of a XXXX cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. XXXX  is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

All dates, amounts, and actions are included in the attached documents. 


I received a phone call from a person claiming to be from XXXX. I was told there was an issue with my computer and before I knew it, this person took control of my computer. At no time did I give this person any of my banking information, the name of my bank, my account number or any of my login IDs or passwords. I suspected this may be a scam and terminated the call. I contacted XXXX directly and was informed that they did not contact me. At this time, I realized it was a scam and contacted TCF Bank right away.

Unfortunately, TCF did not secure my accounts by restricting access or suspend my on-line banking access. These steps would have prevented the fraudulent withdrawals, including fulfilling a fraudulent XXXX XXXX request for {$2000.00} and processing an electronic check for {$8400.00}. Both withdrawals were sent to the same person. Both withdrawals were completely irregular for my account. I have written about 3 checks in the last 6 months. The scammers check looked nothing like mine.

TCF failed to contact me as to the suspicious transactions and failed to close the account upon my request. On the phone call, TCF told me that no strange activity had occurred on my account and that I should not worry. {$10000.00} later, TCF takes
no responsibility for the loss. They went back to listen to the notes of my phone call and there were none.

To this date, five months later, we have submitted everything TCF has asked for. We have filed a police report. Over those five months, we have called TCF numerous times and get some
one different who needs to catch up on the activity. A typical call is a half-hour to an hour on hold to only be told to call back in a few days. One customer service representative recognized that the case had gone on too long and opened an expedited case. Two days later, the expedited case was officially closed and the non-responsiveness continued. 
I am XXXX and on social security. My husband is a XXXX veteran with XXXX XXXX XXXX XXXX XXXX XXXX. We have a limited income and need this money. We need TCF to be accountable now since they were not when I contacted them before the money was taken. I realize that fraud is a prominent issue in recent times, but this one could have been avoided had TCF closed my account when asked.
Consumer complaint received 2022-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a Bank of America credit card that was copied in some way and used in multiple locations, counties and cities. The charges were for large amounts and if you look at my spending history, I do NOT spend money like this. The charges also took place while I was teaching high school and I can verify that I was at work. 

I have called the Bank, opened XXXX claims and both times were denied stating that I either used my chip, signed for the merchandice, or a pin was used. 

On XXXX and XXXX the person went all the way to XXXX and then to XXXX and then to XXXX spending money. On the XXXX I was teaching in my classroom. This is either a person who made copies of my card or decided to travel all over in a day. 

On XX/XX/22 the person went to a XXXX store in XXXX which at that time I was teaching high school. XXXX is an XXXX drive from where I live and I have never stepped foot inside this store. 

Two of the places that were charged included XXXX XXXX and XXXX. I have credit cards for both department stores and get rewards when I use my card there. I also only shop online at those stores. The amount spend at XXXX on XX/XX/XXXX was {$530.00}. If I were to spend that much money I would have used my XXXX card. The same day the person went to XXXX twice and spent {$200.00} and then {$190.00}. I was never notified that XXXX was spent all at once. 

There are also a variety of small charges to food places and a storage unit. I tried calling all of these places and did not have luck because they do not have video footage. 

Now I am spending my free time, working with police, stores, and paying huge late fee 's as well as interest charges because B of A will not reverse anything.
Consumer complaint received 2021-06-11
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: CITIBANK, N.A. (PA)

I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number  : XXXX This is not mine.
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-02-21
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: Bread Financial Holdings, Inc. (TX)

Comenity bank is saying my payment is 30 days past due but I didnt receive a past due notice saying that the account was late. I made payment on XX/XX/18 for the outstanding amount which brought the account to a {$0.00} balance on XX/XX/18. They reported the account to XXXX when theyve already received my payment
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We obtained a loan for a mortgage from XXXX XXXX Bank. On or about XX/XX/XXXX XXXX XXXXXXXX XXXX transferred our mortgage to Countrywide Home Loans. We had issues with Countrywide Home Loans not properly paying our home owners insurance and escrow taxes for the home. We were forced to over pay due to making additional home owner 's insurance and tax escrow payments because of Countrywide 's error. Later on when Countrywide started to make payments for the escrow taxes on said loan, they made these payments to the wrong county and town. We again were forced to make addition payments. In XXXX we made an attempt to payoff our mortgage with Countywide Home Loans. Because of the discrepancies Countywide Home Loans caused us, we elected to have this matter sorted out and resolved in a hearing with a referee. We had officially paid off our mortgage with Countrywide Home Loans in XXXX. The final payment was made on XXXX XXXX. We received paperwork from Countywide Home Loans releasing us of our loan obilagation with them, as well as , county clerk recording documents. We were told by Countrywide Home Loans we had a credit balance in escrow and that payments for our account would be made accordingly until depletion and at that time bills would be sent directly to us for payment. The issue which is now pending is that in XXXX of XXXX we were served with a foreclosure proceedings from XXXX XXXX. This is now XXXX ( XXXX ) years after we satisfied our mortgage with our lender, Countrywide Home Loans. We are unsure why there would be any foreclosure proceeding made against us. We can not wrap our heads around this and make sense of why this is happening to us. We are unsure of all our options. Any help and guidance your department may lead us to would be deeply appreciated.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

i had a phone plan with XXXX XXXX XXXX for one month and they told me the charge will be {$30.00} and when i got my bill it was {$280.00} ...... I called them and was trying to talk to them and nothing helped so if you can please help me I d'ont want this to effect my credit. I pay all my bills on time a I think its not fair that this wrong bill should effect my credit
Consumer complaint received 2022-02-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NV)

An account appeared on my consumer report without any notice and knowledge to me. I was sent a letter dated XX/XX/XXXX from Caine & Weiner ( deceptively hidden ) in attempt to collect a debt of {$230.00}. This account is listed as being opened XX/XX/XXXX on my credit, but I am getting first correspondence of this debt in XXXX, a clear FDCPA violation. had never heard of this company and I did not know the account they're referencing so I reached out to request further information and deletion of this inaccurate account from all national credit bureaus. I sent my letter requesting validation of this debt dated XX/XX/XXXX. My letter detailed the timeline of this debt and it's illegal reporting, it also requested further information into this debt and a full investigation of the origins with written findings produced. I have been met with no follow up response, a letter to confirm receipt of my dispute and this investigation being open and this account is still reporting to my credit illegally without sufficient proof of valid debt.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (PA)

We applied to Freedom Mortgage Company to refinance our existing mortgage on a second home, which they hold the existing XXXX yr. mortgage on XX/XX/2021. I sent all required documents on XXXX XXXX via fax to our loan processor directly and he stated that they were all in order. Any subsequent request for additional documents from us were sent immediately. 
XXXX XX/XX/2021 they still have not completed the loan. Our application was for a 15 year loan at a lower rate. It seems as though they are giving us the run around b/c they will lose money on this transaction. We will cut 9 years off the existing loan at a lower rate. A typical refi should be completed within 6 weeks at the most. 
I have been calling and emailing every week. They don't respond to emails and have called periodically to say all the paperwork is completed. 
I have filed a complaint with the XXXX XXXX XXXX Case # XXXX, on XX/XX/2021. Freedom Mortgage has responded three times with no outcome, just that they are reviewing the documents. 
The rate has expired three times and we have been asked twice to update our financials and our primary home homeowners insurance b/c the copy we sent originally also expired since XXXX.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This complaint is about the account # XXXX, which the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX claim I owe {$12000.00}. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ever had some contractural obligation to pay them for a debt that I dont owe, is a violation of the FCRA & FDCPA ; XXXX if XXXX XXXXXXXX XXXX / XXXX XXXX XXXX can not validate I have wrote to this company and Equfax over 30 days I Never get anything received back from this company this is the result of identity theft that amount I don't owe and never have any associated with this company
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I had requested a copy of my personal information from " Equifax XXXX XXXX ''. I received a letter stating that I needed to provide " Proof of Identity '' and " Proof of Address ''.

I do not have any of the items listed under " Proof of Address '' but did submit a copy of my social security card and my valid drivers license, with my current address. 

I tried to call Equifax today but have spent over obe hour to no avail. One of the people I was transferred to admitted he was not located in the United States. 

HOW IS IT POSSIBLE THAT I CAN NOT GET A COPY OF MY OWN PRIVATE DATA BUT FOREIGN NATIONALS RESIDING OUTSIDE OF THE UNITED STATES CAN ACCESS MY INFORMATION. 

THIS BY A COMPANY THAT ALLOWED THE BIGGEST DATA BREACH IN HISTORY. 

I WANT MY INFORMATION AND I WANT TO KNOW EHO IT HAS BEEN PROVIDED TO.
Consumer complaint received 2022-12-03
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. (MI)

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

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I sent a letter XX/XX/2024 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated everything was 100 % accurate. 

Legally, credit bureaus must complete an investigation within XXXX  days of receiving a XXXX demand letter. According to the LAW, unverifiable inaccurate accounts must be removed and if they are unable to provide me with a copy of verifiable proof within XXXX  days after the investigation, they must remove the accounts and/or the information listed below. Experian failed to do so.