davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

EQUIFAX HAD REMOVED THE XXXX WEB BANK BECAUSE I HAD SENT IN PROOF THAT THIS ITEM WAS TO BE REMOVED ONE I PAID IT. BUT THEY TOOK IT OFF THEN PUT IT BACK ON
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX is reporting inaccurate information regarding my capital one account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.
Consumer complaint received 2022-02-09
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. (VA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2015-05-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (VA)

They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I contacted CitiBank and spoke with a supervisor named XXXX to dispute XXXX XXXX XXXX  and interest charges associated with XXXX charges to the account. Citibank never disclosed in their cardmember service agreement that XXXX charges would be treated as a cash advance and hence incur a fee on each such transaction, subject to higher interest rates, and have interest calculated from the date of purchase without any grace period. None of the XXXX transactions are cash advances. Citis decision to not disclose XXXX transactions as cash advances to the cardmember is a self-serving choice to derive fee and interest income at the expense of its credit card consumers who use their Citi consumer credit card to fund mobile payment app transactions. The supervisor refused to provide assistance and hung up the phone.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX approx. XXXX went BANK OF AMERICA TO WITHDRAW LARGE SUM OF MONEY FROM TELLER.GAVE HER MY ID AND EDD DEBIT CARD.SHE GOT THE INFO SHE NEEDED .RETURNED MY ID AND CARD I SIGNED THE MACHINETHEN SHE TOLD ME TO INSERT MY DEBIT CXARD TO CHECK PIN.I WAS THEN TOLD THAT THERE IS A HOLD ON MY CARD DUE TO POSSIBLE FRAUDULENT ACTIVITY.SHE THEN TOLD ME THAT I WOULD NOT GET ANY MONEY TILL THE HOLD IS TAKEN OFF MY CARD.I ASKED FOR SOME KIND OF RECEIPT TO SHOW THAT I WAS THERE FOR THIS DENIED WITHDRAWL.I NEVER LOOKED AT THE RECEIPT WHICH I HAVE LOST.I LEFT IN A HURRY TO GO HOME AND CALL CUSTOMER SERV. TO GET HOLD TAKEN OFF.WHEN I CHECKED MY STATEMENTS ONLINE.I NOTICED MY BALANCE WAS VERY LOW .I TRIED TO RESOLVE WITH THE MANAGER.WHO ONLY ACCUSES ME OF GETTING THE MONEY.FILED MULTIPLE CLAIMS ONLY TO BE TOLD IT WILL BE 45 TO 90 DAYS.KEEP SAYING THAT THEIR INVESTIGATION HAS CONCLUDED NO POISTAL ERRORS AND WON'T CREDIT MY ACCOUNT AND CASE I CLOSED. NO EVIDECE OR PROOF HAS BEEN SENT TO ME.IT 'S BEEN 2 + MONTHS.I HAVE LOST MY PART TIME JOB CAR INBSURANCE CAN'T PAY BILLS AND ABOUT TO BE EVICTED.ALL I WANT IS MY MONEY THAT I NEVER RECEIVED AND WAS LOST BY THE
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution.
Consumer complaint received 2015-10-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CDI Affiliated Services, Inc. (TX)

XXXX XXXX XXXX sent my bill to CDI AFFILIATED services for {$51.00}. I have a co-pay every time I see the dr and that MUST be paid before I see the dr . They schedule extra services " after '' insurance is verified that I will not have an out of pocket expense. The Dr. changed insurance payment and I never received an invoice. I continue to see the Dr. and was never advised I had a past due amount. I called their office and they advised since the changed insurance payment carriers they have no record. I looked at all my EOB and there is not one statement that shows I might have an out of pocket expense. Why would I go to a dr. and not pay the amount I owe? This appeared on my credit with no notice, no letter, no phone call XXXX 2015. I only came to realize this when I attempted to refinance my house and was denied.
Consumer complaint received 2016-10-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Forster & Garbus LLP (NY)

I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.
Consumer complaint received 2015-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rogue XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following items on my credit report, as I believe they are the result of identity theft XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX XXXX XXXXXXXX, TX, and I reported this issue to Equifax at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX Date of Inquiry XX/XX/2024
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wexford & James LLC (NJ)

Dear Sir/Madam, I dispute the alleged debt. It is my understanding that I am not the debtor, nor was I the principal or shareholder of the debtor. Please validate the alleged debt and provide varification thereof the claim is due and owining from me, including but not limited to:XXXX ) Copies of the original signed application, lease agreement. any other loan and lease documents, that relates to the matter ; XXXX XXXX Proof of valid assignment of the alleged debt to me ; XXXX XXXX Complete payment history & books and account records going back to the original creditor ; andXXXX ) Notice, correpondonces, and any other communications with the third party and me
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: R.M. Galicia, Inc. (CA)

i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Number : XXXX and list of Inquiries. 


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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NY)

I was approved for a Barclays Master card on XXXX/XXXX/16 with a XXXX credit limit. on XXXX/XXXX/16 I made a payment by money order in the amount of XXXX on my account parital payment. On XXXX/XXXX/16 I went to check my account only to find out that Barclays had closed my account. I call customer service to ask why my account was close and was told that they pulled my credit report and closed my account. That does not make sense since I have just open this account on XXXX/XXXX/16 and just made a payment of XXXX on XXXX/XXXX/16 when my first due date is XXXX/XXXX/16 also they pulled my credit report and approved me. I believe that I am being disccrimated against because I am a minority Barclays bank do not approve many minoritys for credit when you look at there history. They need to be investagted for unfair business practices
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX XXXX, current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CO)

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. VW Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( VW Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, VW Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BMW Financial Services NA, LLC (GA)

BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have disputed the information from XXXX XXXX XXXX with XXXX, Equifax and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and Equifax has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. Equifax they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX Equifax and XXXX are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with Equifax XXXX and XXXX about the information on the reports they have opted not resolve this.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}