davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-22
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. (TN)

On XX/XX/2021 I file a report with the FTC. I mailed Equifax about inquires on my report that I did not authorize on XX/XX/2021. I also fax Equifax on XX/XX/2021 with the information I will provide and I called them as well. They have refund to assist me.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has allowed me to open 2 credit cards XXXX XXXX XXXX XXXX and Chase Sapphire Preferred. However, on XX/XX/XXXX, they have revoked my credit card and do not allow me to use it anymore without any prior notices or discussion. The action shows that Chase only cares about the bottom line and do not want to pay out any bonus credit card sign up reward. I have great credit score ; so it should not impact.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

ALL OPEN CLAIM HAVE BEEN CLOSED PER MY REQUEST AND THE FUND IS SUPPOSE TO BE REVERSED SO YALL CAN GET YALL LIL MONEY 15 BUSINESS DAYS WILL BE UP ON THE XXXX OF XXXX THERE ARE NO MORE PENDING TRANSACTIONS OR OPEN CLAIMS SO THERES NO REASON TO STIL LHOLD MY FUNDS.
Consumer complaint received 2022-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (LA)

Called Aidvantage on XX/XX/2022 to request refund for payments made during Covid CSR told me that request was approved on XX/XX/2022 and processed on XX/XX/2022 and at this point haven't received any correspondence regarding refund or payment.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

On XX/XX/XXXX I wrote and mailed check # XXXX to XXXX XXXX Treasury for {$7300.00} as payment of the 2nd half real estate tax. I balance my checking account weekly via XXXX and I balance it with the Bank statement monthly. My bank statement does not have digital images of checks, just the date, amount and check number. Everything balanced but on or about XX/XX/XXXX we received notice of our new real estate tax bill along with notice that our previous 2nd half payment was past due, along with a substantial overdue financial penalty. I immediately went online to US Bank, where I was able to access a copy of check # XXXX, which had been changed to an unknown party but left the dollar amount unchanged. I immediately notified the US Bank fraud office and followed their directions to document everything and appeal for reimbursement for the fraudulent check. I provided a copy of my check stub, which showed how check # XXXX was originally written ( the amount was identical to the first half check written XX/XX/XXXX. ) On XX/XX/XXXX I received notice that US Bank had denied reimbursement because I had not notified them within 30 days after the relevant bank statement. Obviously, I had no reasonable way to know of the fraud until I received the overdue notice from XXXX XXXX.
Consumer complaint received 2021-10-26
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing late payments. I have read enough to understand my rights. The 3 Credit Bureaus are attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy. 
CAPITAL ONE-Balance $ XXXX Opened : XX/XX/2018 CAPITAL ONE BANK USA N-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 CAPITAL ONE BANK USA-Balance $ XXXX-Date Opened : XX/XX/2018 XXXX
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank has charged late fees when I was not late. I have been paying early each month. Customer service said their system is set up in you pay before the cycle date when in the month they will and have charged me late fees. They have refunded the late fees. I was a lot old since I paid before the bill cycles date in XX/XX/XXXX, that I will have to pay another payment or I will be considered late again
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Data Finance, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lakeside Recovery Solutions (NC)

Lakeside Recovery Solutions are calling my daughter 's phone stating I owe a debt. The issue is I'm not the person they are claiming that owe the debt. They claimed my number is associated with that person so they gave me all of the person 's info. They gave me all of the information about the " case '' even though I'm not that person. I tried calling back to speak to a manager so they can take my daughter 's number off of the calling list but instead the person decided to tell me that I knew the person and was doing them a disservice by not giving them the info. I keep repeating that I don't know the person and they are calling my daughter 's phone, one of my business lines and to cease calling this number. The person got hostile with me and threaten the person the debt belong to. This is a big problem. They told me all the details of the account, the person 's private information including their address and phone number. This is a direct violation of CFPB.
Consumer complaint received 2022-04-28
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. (MD)

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 Bankruptcy Case Number # XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/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 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 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

On XX/XX/2021, a mortgage company by the name of XXXX XXXX XXXX ran my credit without my consent and authorization. 

I called the company and they stated they had assumed I had already given consent, which I hadn't. 

I requested they rectify this issue as my credit took a hit due to this inquiry. 
I work very hard on keeping my credit score up and this is simply unlawful.

I have yet to be contacted back.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (MA)

My name is XXXX XXXX. 
I visited Mt XXXX XXXX center on XX/XX/2015 to get stiches on my forehead in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, Nationwide recovery systems from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I tried to withdrawal {$300.00} from my checking account and Chase told me my account didnt have enough money. I proceeded to check using my mobile app and add the missing {$30.00} needed to withdrawal {$300.00} and when I went to complete the withdrawal it say my account once again didnt have any money. I checked my account in the chase app once again and this time it showed me a withdrawal of {$300.00}. The ATM never gave me any money yet it was taken out of my account
Consumer complaint received 2019-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( XXXX, Trans Union and XXXX ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on XXXX of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JNR Adjustment Company, Inc (OH)

XXXX XXXX XXXX hires a third party to bury lines on ones property for the purpose of having fiber optic lines. The problem with this is that these companies do a poor job of actually burying the lines. They come out with a machine that digs a hole so that another person can bury the lines that follows behind them. However next to the house the lines are only a few inches deep and they pay no attention to that. Animals can dig up these lines because you can actually see them. I sent pictures to XXXX XXXX XXXX and complained about this but what do they do? They send me a bill because of the sloppy work done on my property. This was the THIRD time they had to bury these lines. Next door new property cut the lines installing sprinkler systems when they were only a inch below the ground. Why can't they place PVC pipe ( very inexpensive ) on these lines instead a sending a bill to the homeowner. I still have no idea where the lines are.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Fay servicing did not pay my home owners insurance policy. XXXX XXXX has been sending them the bill since XX/XX/XXXX with a due date of XX/XX/XXXX. Fay servicing is noted as the bill to for this account. On XX/XX/XXXX I received notice from XXXX that my insurance coverage will lapse if they do not receive payment. I immediately contacted my insurance broker XXXX XXXX from XXXX to see what was going on. She then worked diligently to get this resolved. She email, faxed and spoke to several agents at Fay servicing whom all stated it was their mistake and payment would be made right away. Day after day they said they would over night the check and nothing would happen. When I logged into my account it said they sent the money XX/XX/XXXX, but they couldn't provide any tracking when requested. Finally on XX/XX/XXXX I received a call from XXXX XXXX stating that Fay servicing had sent the check to her in her name. XXXX is NOT who is listed as the payee on the invoice and they were told several times in writing where to send the check and who it's to be made out to. I contacted XXXX and now at this time they will not re-instate my insurance due to non-payment. I contacted Fay servicing and was told there are no managers I can speak with and no one in any department has a contact number that can help me. They stated I now have to wait XXXX business days for them to cancel that check and re-issue another one. They can't even re-issue it because XXXX won't take it at this point. I have written to them to request my account be a non-escrow account and I will pay for my own insurance and I'm currently waiting for a reply. I have already contacted another insurance company and have paid in full to bind my policy. Fay servicing is now holding my escrow illegally and collecting interest.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

I had an account with XXXX  opened in XXXX and closed in XXXX. 
Fraudulent charges of {$1200.00} appeared with a collection agency, Southwest Credit Systems, in XXXX of XXXX, which I just saw on my credit report today. They claim this arose from a XXXX XXXX XXXX with my name, and an address I have never been associated with, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has no information on this account and referred me back to Southwest Credit Systems .
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

THE WORK NUMBER WILL NOT PUT A SECURITY FREEZE ON MY FILE, OR REMOVE EMPLOYERS OR EMPLOYEE ADDRESSES AND EMPLOYEE NAME. 
THE WORK NUMBER MUST HAVE A MIX FILE.I HAVE TRIED CALLING THEM
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NY)

Ability Recovery Service is showing on my credit report for an amount of {$1900.00} with the original creditor being XXXX XXXX XXXX. This debt is not showing on my credit report at all for the original creditor. I believe this to be a false debt or a zombie debt that can no longer be collected on. I have also never received a communication from them.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have disputed an an account on my credit profile many times and it comes back as verified it does not provide any correct information on my report i am requesting that they delete this information immediately the account
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Hello I XXXX XXXX have been dealing with a dispute at fifth third bank of $ XXXX. They closed my account and made it $ XXXX making my bank credit look bad. They told me I dont owe that but if its negative it reflects different
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Im writing to you because I noticed that my most recent credit report contains a closed account reported recently for my Wells Fargo account. I want you to know that I understand, and have great respect for my financial obligations.

Unfortunately, at the time of the incident mentioned above, I was in college and had no idea how to manage credit responsibly. I have completely paid off my debt and aside from this one time unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify.

I am humbly asking for you to remove this account. I would greatly appreciate it!
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I have corresponded with this company EQUIFAX multiples times in reference to these alleged debts in the amount of {$670.00} and {$1000.00}. I have asked the company multiple times to verify these alleged debt showing me something with my signature on it cause I do not recall having these accounts. I have also sent them a police report, along with a letter and all they have sent me was a statement saying they verified it and they are still reporting on my credit report. Attached is my last correspondence with this company back in XX/XX/2022. I believe they are fraudulently reporting this on my report.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (TX)

I disputed a predatory collection to Experian advising that the item on my credit was an error. Experian has not removed this as they are only confirming if the info belongs to myself. The item itself was planed on my credit report as fraud. I have tried to work with both Experian and XXXX XXXX XXXX XXXX XXXX XXXX but no one is looking into see if this is a valid collection attempt. - The apartment in question flooded and was unlivable after the lease was completed and went to a month to month. They were alerted we had to move and stated that was ok. Now they placed a charge on my credit fraudulently.
Consumer complaint received 2021-09-20
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-03
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. (OH)

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX