davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Atlanticus Services Corporation (PA)

I am very upset with this issue. I sent a letter to the credit bureau and creditor regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (NC)

Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. 

Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained of {$680.00} when I received my last edd deposit. Bank Of America closed my account and did not reimburse me for the money that was stolen even when they have XXXX liability. This fraud was to no fault of my own. I am a single 6 months pregnant woman on my own out of a job due to covid and I am getting no further information to my claim. Every time I call the bank or EDD they blame eachother. Bank of America says they sre waiting for EDD to send verification and EDD says theee is nothing wrong with my account. I have money in my Bank of America account and I am not able to access my account and EDD is still putting money into the account. I have been without money from this situation for over a month now.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXXI opened up an account with XXXX XXXX with XXXXXXXX XXXX, with a deferred interest plan and made a purchase of {$8400.00}, I later made a second purchase onXX/XX/XXXX for {$1000.00}. I was making monthly payments of the amount I was originally instructed to pay. OnXX/XX/XXXX I had a remaining balance of {$1700.00} for the first purchase and {$750.00} for the second purchase, and I was charged the accrued interest of XXXX. The only information about this upcoming charge appeared on the statements online, not the emailed statements. I should have received an email statement including the balance, as other emails from this account have included the current balance. The online portal also lists no information about the deferred interest due date, and is only available with downloading the statements. There is also no way to view the Credit Card Account Agreement online, as referenced on the homepage. This vital information should be readily available online. Had I known about this charge I would have paid it off at once. When this charge occurred on XX/XX/XXXX I did not receive any statements until XX/XX/XXXXreflecting this new balance. I called instantly and no one was able to help me, and was told it could only be disputed within 3 days, but was not made aware of this charge during the 3-day period. I then spoke with a manager where I offered to completely pay off the original balance in lieu of the finance charge but he stated that was " unfair to the other store accounts ''. The only step he said I could take would be to send a letter to dispute the claim. I sent a letter on XX/XX/XXXX but have still not gotten a response. This delay in contact or resolution is ultimately allowing XXXX to accrue more interest while I am disputing this claim. XXXX XXXX also did not allocate the entire amount over my minimum payment to the balance on which interest was deferred during my last two billing cycles/payments preceding the expiration of the deferred interest.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (AL)

According to the response to my complaint, BBVA-Compass stated my mortgage was discharged XXXX XXXX, 2014 because my account ( # ... .XXXX ) was 133 days past due. 
I dispute the claim that my account was 133 days past due on or about XXXX XXXX, 2014. Copies of checks which indicate that my mortgage was current at the time BBVA-Compass discharged my mortgage.
Consumer complaint received 2021-02-09
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: BARCLAYS BANK DELAWARE (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-XXXX  VISA Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. 

In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. 

I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. 

I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. 

My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.
Consumer complaint received 2017-11-29
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: SYNCHRONY FINANCIAL (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from SYNCB/WALMRT dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased my home in XXXX value at that time was {$180000.00} and the mortgage taken was {$150000.00}. The house is now valued at {$240000.00}. 

I have never been late and have made additional payments and balance is currently {$120000.00}. When requesting removal of PMI Huntington Bank responded that this could not be done till XX/XX/XXXX. 

I believe this is just highway robbery at this point XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I sent my XX/XX/XXXX payment on my mortgage account to Bank Of America on XX/XX/XXXX, to account. They processed the check back to my bank on XX/XX/XXXX. They credited the payment to the wrong account. Since then, they have sent multiple letters from their collections dept telling me I owe them the payment plus late fees. I have sent them multiple copies of the canceled check, and even pointed them to the wrong account number in the processing on the stamp on the back of the check. They have also sent late payment reports to all the credit agencies. In talking with them, they say they are " investigating '' the matter, but can not resolve this issue, even though they have all the information needed to do so.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Experian credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with XXXX XXXX XXXX ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with XXXX XXXX XXXX. I have contacted XXXX and Experian to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.
Consumer complaint received 2020-07-13
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: Bread Financial Holdings, Inc. (CO)

I have been calling XXXX specialized department for several years now about issues with these fraud inquiries and accounts that were fraudulent used showing missing payments and derogatory information and I called the companies as well. Its cleared up and next thing I know Im getting alert my score dropped 60 points. Because now the account is back reported delinquent when it was cleared up weeks ago which had me to believe XXXX XXXX is not doing there job of maintain my file as they should by law. I have 82 inquiries on my credit report when it should be only 3 on there. They know my situation with fraud issues and still fail to act appropriately.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In recent months, I have diligently sought the removal of inaccurate information from my credit report, a request that another credit reporting agency acknowledged, verified as inaccurate, and subsequently rectified. Regrettably, your lack of response, or responses that I deem frivolous, reflect a disregard for FCRA regulations and my request for verification. 

To afford you the opportunity to rectify these discrepancies and comply with FCRA regulations, I am extending one final chance for you to correct the errors and update my records. Specifically, I request the prompt attention to and resolution of the following account details within the next 30 days : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out to?
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OR)

I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.
Consumer complaint received 2017-12-07
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. (OR)

Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P. (CT)

Since XX/XX/2022 have been receiving all day harassing phone calls from LVNV lending company. I am on welfare, medically XXXX with no income. I told them this in at least XXXX conversations. They sent the case to small claims court anyway and are threatening me with a state XXXX. I told the court the same financial & medical hardship as well.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

CCO Mortgage - Citizens Bank collections department has been calling me XXXX times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to XXXX people, I found out that they implemented a new policy to call their customers if payment is not made by XX/XX/XXXX - even though the grace period to make a payment is until XX/XX/XXXX. Payments received after XX/XX/XXXX are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a " cease and desist ' letter. My account is in good standing. They have no right to contact me over and over again for payment when I am well within my grace period.