davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my XXXX credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TN XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

As I continue to pay down credit card debt, Citibank along with other companies have been lowering my limit down to my current balance which in turn makes me look maxed out on my cards which is detrimental to my my  credit score  and perpetuates my credit worthiness problem. I wish they 'd just let me pay down my cards without constantly lowering my limit, especially since I 'm trying not to charge anything!!!!!
Consumer complaint received 2015-09-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again
Consumer complaint received 2023-04-06
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. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

Received a call from phone number ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (CA)

I XXXX XXXX hereby submits a complaint against one of the largest national banks in America, XXXX , XXXX . I am just a middle class single mother of XXXX, trying to make a living. There have been times in my life when I struggled financially. Over ten years ago, I defaulted on a XXXX account, and over the years the collection aspects were negated and the credit charge off was even removed from my credit reports, as the 7-year timeline to maintain it had elapsed. Now XXXX has lowered itself to submit back-end debt service to debt buyers, even after debts are proved to be non-collectible. The credit trade line was officially charged off so long ago that XXXX deleted the account off of my credit reports. So now XXXX , XXXX . is selling off charged-off debts. This is a popular move since the XXXX XXXX XXXX XXXX XXXX XXXX decision in the U.S. Supreme Court of XXXX ( Decision Attached ). However, XXXX XXXX. is participation in a Ponzi- Scheme approach to not only obtain the taxable write-offs on defaulted debts, but to also double-dip into potentially draining what little capital could remain from a common American citizen. Here is how the scam works : XXXX XXXX. ASSIGNS DEFAUTED DEBT TO XXXX XXXX XXXX , XXXX XX/XX/XXXX BILL OF SALE AND ASSIGNMENT BY ELECTRONIC SIGNATURE XXXX XXXX XXXX , XXXX TRANSFERS OWNERSHIP THE VERY SAME DAY BY XXXX XXXX, XXXX. TO XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX  XXXX   XXXX XXXX, XXXX ON XX/XX/XXXX BY XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX, XXXX XX/XX/XXXX BY XXXX XXXX, INVENTORY MANAGER XXXX XXXX. should look into federal case decisions U.S. v. XXXX XXXX XXXX before it ever gets involved in selling off debts to what appears to be a Ponzi-Scheme on receivables, debts that can no longer be enforced, and selling to companies without proof of proper bonding and licensing to enforce defaulted debts in the state of California. This action is criminal in nature. The continuous transfers are a form of the title cleansing practices of real estate scammers, a practice quashed by actions with the U.S. Department of Justice. XXXX is proving that they will step to as low as a level as a national bank can go. Their actions are complicit within a criminal process to destroy average American consumers, and the Consumer Financial Protection Bureau, along with the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the banking department of the state of California, in addition to the Office of Attorney General, state of California will be involved in this complaint. Action must be taken to cease these types of activities by XXXX , XXXX . and the affiliated companies stating that they have obtained uncollectible debts.
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (WI)

I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.
Consumer complaint received 2022-08-10
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. (MD)

I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Hi Sir/Madam, I am writing this letter regarding Chase bank closed my banking accounts and credit card account recently. I opened XXXX banking accounts ( checking and saving ) XX/XX/XXXX and a credit card XX/XX/XXXX. Now all of them are closed by Chase. The reason Chase stated is that I forfeited my Chase points. 

I am very angry with this right now, 1 ) I have n't used Chase for a couple of years. XX/XX/XXXX my credit accounts were closed by chase without any reason, after that, I have n't used chase bank and any their points. 

2 ) I opened banking accounts and credit account successfully through branch and online. There is no problem at all in application. However, Chase closed all my accounts in one month after application, which had bad impact to my credit report and wasted me a lot of time in setting up accounts. From my experience, if bank is not satisfied with my credit, it should n't pass the application at all. I am very confused by Chase 's behavior. 

I hope CFPB can help me solve the problem, keep those accounts, and help me build new relationship with Chase. 

Thank you very much! 

XXXX XXXX
Consumer complaint received 2022-09-07
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. (CA)

The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into XXXX 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by XXXX 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since XXXX of XXXX  '. The failure of XXXX to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my XXXX portal.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

I applied for the Barclays XXXX XXXX XXXX Credit Card that included a signup bonus of XXXX XXXX XXXX XXXX  and a {$95.00} statement credit after meeting spend requirements. I met the required spend and received the XXXX XXXX, but did not receive the {$95.00} statement credit. After multiple calls and emails I still have not received the credit. I wish to receive my {$95.00} statement credit.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TN)

ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Army and Air Force Exchange Service (OK)

This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My complaint ( s ) is with TransUnion XXXX XXXX XXXX. I have an old account with XXXX ( formerly XXXX XXXX ) that is still on my report, even though I paid the account and the company is now defunct. XXXX reported it as collection, although it was only paid late. Furthermore, this account is OLD and needs to be removed. 

Furthermore, I have accounts from XXXX that are more than 10 years old. My student loans went into default and I was unaware for about 3 months. This was corrected as soon as I was made aware, and the default period is well past the time it should have been removed. 

Additionally, TransUnion consistently reports LOWER scores than XXXX and XXXX either XXXX, by as much as XXXX points. XXXX has ADMITTED to using incorrect calculations on their scoring model, and has agreed to a settlement via class action. If XXXX is reporting higher scores than TransUnion even with miscalculating consumer scores, then it stands to reason that TransUnion is doing the same thing with their scores. However, they deny any wrongdoing. This needs to be addressed and corrected right away. 

Because of TransUnion 's FRAUDULENT scoring model, I was denied credit that I should have received, and am now paying a HIGHER interest rate on my car loan. I feel I deserve sizable monetary compensation from TransUnion for the money they have cost me due to their deliberately INCORRECT scoring models. 

Thank you.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.