davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-14
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. (FL)

These 10 accounts have been sold over 8 years ago ; to XXXX. I have been in good standing with XXXX. However, these 10 accounts with XXXX are showing XXXX  balances, but negative reporting. I have never made any payments to them. Because, i was still in school when the loans were sold. I contacted XXXX. And, the man that answered the phone told me to dispute it and they would not fight it. XXXX  and XXXX deleted the accounts. But, I guess they are not communication with XXXX. these accounts are older than the 7 years to fall off. But, Equifax is refusing to delete them. And, the 10 negative reporting ; is hurting my accounts.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-XXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft XXXX XXXX XXXX XXXX XXXX XXXX  XXXX POLICE AND FIRE XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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 submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-02-07
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX  # XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 accurate.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (MS)

inquiries on my credit reports are inaccurate alo i have no knowledge of these inquiries placed on my credit reports thiet not mines and i writing you to help get this resolved these inquiries were done without my permission or my consent that i have no knowledge of.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I mailed a check for {$1700.00} to Comenity Mastercard on XX/XX/2021 to pay off a balance. On XX/XX/2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the amount, I placed a stop payment on the check and paid the card balance of {$1700.00} online. At this point the card is at a XXXX balance & I think I am done with Comenity Mastercard. 

On XX/XX/XXXX, Comenity Mastercard attempted to apply the {$1700.00} check to the account & charged me a {$29.00} fee returned check fee on an account that was at a zero balance. I called the customer service line, explained that the card was already paid in full when they tried to apply the check amount, that I had already paid a {$29.00} stop payment fee to my bank and that it is not fair to charge me a fee for a card with a zero balance. 

After speaking with 3 people, two claiming to be supervisors, the consensus at Comenity is that I should have let the check I presumed was lost in the mail be paid to whomever and then request Comenity to send me a refund for any over payment. 

I was also told that Comenity Mastercard must pass on charge back fees from their bank to customer ( because I am sure their profit margin can not absorb a {$29.00} fee ) even though my account was at a XXXX balance and I have no choice but to pay them an additional {$29.00}.
Consumer complaint received 2023-04-01
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. ()

One business loan  account ending with XXXX that doesn't belong to me is reflected in my credit report by equifax only ( not by XXXX, XXXX or XXXX ) and it has damaged my credit score to a considerable extent. The Equifax credit bureau doesn't seem to bother about my repeated emails to remove the said account from my credit report.Due to this, I am suffering a lot.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (GA)

I had gotten into a car wreck to where I couldn't work I just went to XXXX 3 days a week. I informed XXXX about it. Needles to say the XXXX XXXX XXXX was repossessed and sold. XXXX got their car back and got money when they sold it. SeemS like this contract should be null and void.
Consumer complaint received 2021-07-19
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. (NC)

On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.
Consumer complaint received 2021-07-19
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. (NC)

On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX continues to play with our business. After paying the balance in full, the XXXX card got the limit decreased for no reason. Now, paid XXXX balance and limit got cut by XXXX XXXX Both personal credit scores, mine, and my husband is XXXX, as well as business, growing XXXX XXXX over month. Nothing overdue, never miss a payment. Discrimination? Retaliation? I want an explanation written here so CFPB can investigate. I want the membership back as compensation for all the trouble AMEX caused to my business management.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (FL)

I understand that according to Homeowners Protection Act that Lender should automatically remove PMI when loan drops below 78 %. I have been trying to cancel this PMI but the lender wants me to sign an authorization to do a new appraisal of the house which is going to cost me from {$600.00} to {$900.00}. I don't know if this is legal if they are supposed to terminate the PMI automatically. 
Thanks for your attention.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IA)

Unexpectedly, in XXXX of 2023, instead of adding interest to my account each month, Citi Financial charged more than XXXX dollars in interest putting me XXXX over the limit. It then charged our family bank account XXXX dollars to cover the penalty with no warning. I was not anticipating going from XXXX dollars payments per month to XXXX nor having XXXX dollars interest over the credit limit slapped on in one month.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I changed cell phone providers in XX/XX/2020 from XXXX XXXX XXXX to Consumer cellular. The hotspot I use was purchased from XXXX XXXX XXXX and paid for in full when ordered. I contacted XXXX XXXX XXXX and advised I needed the device unlocked for use with another carrier. They took about two weeks to unlock the device which left it on their network for about three days which they billed {$110.00}. The amount due is the result of their poor customer service. I had been a customer for probably 20+ years with zero billing issues. I refuse the money grab by XXXX XXXX XXXX which has had a negative effect on my previous Fico score of XXXX. You don't achieve a score like that by not being financially responsible.
Consumer complaint received 2023-02-21
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. (CA)

I sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2400.00} the items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

Two issues with Arvest Mortgage 1. They are slow-walking my escrow refund. The My original request was made in XXXX. They have requested forms to be signed and payments to be made. They claim to lose the forms and the checks. They are holding {$10000.00} of my money. I have asked repeatedly by phone, email, and letter. 
2. In early XXXX they promised to pay my property taxes in XX/XX/XXXX. Instead they paid them in XXXX, which cost my {$840.00} in extra federal income tax.
Consumer complaint received 2021-12-08
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: Advantage Credit, Inc. (FL)

I have recieved mail with information that is not mine please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ADVANTAGE/ADVANTAGE CR Date of inquiry : XX/XX/2020
Consumer complaint received 2018-03-02
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Unauthorized charges are made on my credit card between XX/XX/XXXX - XX/XX/XXXX. Total 87 transactions of amount ranging {$19.00} to {$36.00} were made for total fraud amount {$2500.00} By looking at transaction pattern it is clear indication of some fraud but bank security could not catch it. 
I noticed these charges in Last week of XX/XX/XXXX and called Union Bank. they promptly disabled the card and sent me new card and disputed charges and charges went away from my balance.

I got letter in mail asking to sign on each disputed charge and fax them back which I did no XX/XX/XXXX. OnXX/XX/XXXXwhen I logged in to my account, I see these charges was place again on my card and when I called them they were having no idea why charges are back on my card and escalated my case somewhere and promised me that someone will call me within 24 hrs. I received no call and having good faith that they are doing investigation and eventually will sort it out shortly. But no luck. I called again on XXXX XXXX  as due date of my balance shows XXXX XXXX. In this call also they could not provide any satisfactory reason and said my case is with XXXX XXXX XXXX and they do not have any contact or email you can contact with them. But someone will contact you soon.

Whole day passed but no one contacted me on phone or email.

When I insisted they provide me that my work case # with them is # XXXX They do not know anything more beyond it.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (AZ)

I have been receiving multiple calls from these debt collectors from an alleged debt, i demand a copy of my consumer file and consumer report. in pursuant to 15 usc 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

the times in which they call me are inconvenient and they have caused mental distress to me and it interrupts the business i am operating. In pursuant to 15 usc 1692c ( c ) i am ceast and desisting all ilegal activity and means of communication and that also includes that on my consumer report, my consumer report is being used as a means of communication to attempt to COLLECT this alleged debt. i demand a deletion from my consumer report and for them to provide the tax forms thy must file with a charged off account.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (PA)

Received collect satement letter from ( ACI ) American Coradius international LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) for the amount of {$480.00} ACI reference XXXX XXXX from creditor XXXX XXXX XXXX  . I contacted ACI on XXXX XXXX XXXX XXXX ( w/ XXXX  ) asking about this matter where I don't have ant XXXX  account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX XXXX and Experian. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

The North Carolina State Employee 's Credit Union is adding a forced arbitration agreement to their terms of use, which covers many of the banks services, including online banking. The letter notifying us of this addendum to their terms of use included information about the possibility of opting out. 

Upon contacting them about the opt-out process, they informed me that I must write my own opt-out notice, and mail it XXXX XXXX  XXXX XXXX XXXX Per Statute 1016.7 of the CFPB, this requirement is unreasonable.