davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (TN)

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few XXXX dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ 30,000+ credit available and $ 25,000+ in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently filed a billing error complaint with the company in XXXX and I haven't received any acknowledgement of my complaint, nor have the updated my account, which they closed, with claims, due to fraudulent activity. according to 12 CFR 1026.13 - Billing error resolution, they have violated the law and has bought a lot of damage to my credit report, which has affected my life. I would them to be held accountable and to fix all the damages, pay any monies and violations that has occurred.
Consumer complaint received 2021-07-02
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: CAINE & WEINER COMPANY, INC. (TN)

After viewing my credit report, I found this item reporting negatively an account that I have never applied for. In my recent letter I mentioned that I want you to send to me a proof or documentation bearing my signature that I have legal binding agreement to pay your company.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NC)

I am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and Equifax consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter
Consumer complaint received 2019-03-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Delbert Services (LA)

XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. 
sincerely XXXX
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UT)

Dear CFPB, Loan number XXXX Attached you will found a letter I wrote to Chase bank, someone from the bank left me a message, said the authorization is removed they refused to talk to me after I just sent them the citified mail with the court documents and death certificate showing I am the wife of XXXX XXXX, he passed away XX/XX/XXXX, and I am the only owner of the property, and I have been paying the mortgage since his death. 
Basically they always use the extra principal payment towards to next few months ' regular payments, after I called ( they admitted that I was authorized to talk to them before ) they correctted the mistake but the payment date was at a very late date not the date when you paid the large extra principal payment, so I paid more interest on the balance I already paid. They also charged one time interest {$240.00} on the statement of XX/XX/XXXX, which is not on the previous statement and interest was only {$190.00} on the previous statement with a higher balance ( before the extra principle payments were made ). 
I have contacted XXXX, the bank refused to answer the complaint I filed. 
The death certificate of my husband, two recorded court files are also attached. 
Sincerely, XXXX XXXX Below is the letter I sent to them recently. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Loan number XXXX Dear Chase, I have contacted you so many times regarding the error you made on the loan payments of the address XXXX XXXX XXXX, XXXX, ut XXXX I have contacted XXXX. 
I have attached two statements, dated XX/XX/XXXX and XX/XX/XXXX. On the statement dated XX/XX/XXXX, you stated amount due principal {$1000.00} and interest {$190.00}, the balance was {$38000.00}. After I made additional principal payment of {$12000.00} on XX/XX/XXXX, you charged me the interest {$240.00}, which is an error, please correct the error as I am about to pay off the loan. 
I am missing statements from XX/XX/XXXX to XX/XX/XXXX, could you send all the statements to my mailing address, XXXX XXXX XXXXXXXX, ut XXXX. 
Thanks, XXXX XXXX Again, I have attached the death certificate and court documents my lawyer filed showing I am the owner of the property, and I have been paying the mortgage since my husband passed away in XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2023-02-07
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. (WV)

Again, today, XXXX XXXX, 2023, I received the attached credit file report consisting of XXXX pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same XXXX page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the USPS would not occur correctly since the addressee is the WRONG name.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I pulled my XXXX credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX. I pulled my Equifax report and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX  XX/XX/XXXX I pulled XXXX credit report and noticed 14 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XX/XX/XXXX. XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 30 day late payment on XX/XX/2017 on XXXX ACCOUNT # :XXXX.The information is incorrect .I was never late on my payments.
Consumer complaint received 2024-02-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$2900.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.
Consumer complaint received 2021-10-04
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. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

ERC is reporting inaccurate, erroneous, unverfied/unvalidated information on my credit report. On XX/XX/2021 I sent a certified letter to XXXX regarding inaccurate and unvalidated information on my credit report being reported by ERC- account # XXXX see letter attached. I received a letter from XXXX stating that they verified the account as accurate. I also informed them of certified letters sent to ERC for validation of the account and they have been ignored. I have enclosed letters sent to ERC along with certified receipts showing that ERC is not Signing for Certified Letters. I also enclosed a screenshot of my credit report from XXXX dated XXXX where the account is not marked disputed, and a screen shot dated XX/XX/2021 account is marked disputed which could only mean ERC is receiving the letters and is refusing to validate this debt. Since this account was not verified by a human, I want this account remove from my credit file immediately, I do not have the money to keeping sending certified letters that not get answered.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (OK)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF THE WEST (NM)

I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello! 

Ive been wrongly charged {$25.00} maintenance fees ( the account was improperly linked by the company ) by Bank of America for the past 3 years or more. ( Im currently reaching out to BOA to find out if there are more charges in previous years ) I went into a location in my neighborhood to resolve the issue but they said they couldnt, so they put in a request. A case was opened, XXXX, then closed due to " Unable to process as requested. '' ( received in an email ) They gave me XXXX year of refunds but this isn't satisfactory, I spoke with 3 different associates until I was told by XXXX, area manager XXXX, the company was not obligated to help me out any further with refunds due to regulation. The phone call ended there with no offer of further escalation by BOA. 

I can provide all savings and checkings documents if needed to show improper charges.
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Knight Adjustment Bureau (FL)

This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
.
Consumer complaint received 2019-11-02
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: BARCLAYS BANK DELAWARE (CA)

Barclays bank combined non-related billing disputes into a single 'billing dispute case ' ID XXXX rather than keeping them separate as they were separate merchants and charges for different products/services. Specifically, a dispute against XXXX where clear evidence showing 'double billing for the same product and service ' was not resolved. 

Documentation was provided to the bank that an AUTO RENTAL booking was fully prepaid on XX/XX/2019 and then double charged by XXXX on XX/XX/2019. Later, additional charges of {$99.00} were made onto my XXXX VISA account without my consent ; I reported the charges to XXXX who confirmed the final charges for my contract did not include any {$99.00} charges. 

The bank failed to refund the {$170.00} disputed charges ( out of a total {$250.00} among 3 transactions ).  There is one clear double-charge and one charge which is unrecognized by the card holder.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union (CA)

First Tech Credit Union resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by XXXX XXXX who sent me elsewhere while I had a open dispute.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with PenFed and they admitted that the 30 day late payment should of never been reported.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. XXXX XXXX : # XXXX, XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, ALLY FINANCIAL XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Consumer complaint received 2023-02-07
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-09
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: Continental Finance Company, LLC (GA)

In accordance with the Fair Credit act CONTINENTAL FINANCE CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.