davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (TX)

Consumer Financial Protection Bureau To Whom It May Concern, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes XXXX Equifax XXXX, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the XXXX saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its XXXX teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its XXXX  accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 



Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 

Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (LA)

XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX and I am the Social Security payee representative for my mother XXXX XXXX. After contacting Social Security that the XX/XX/2020 payment of {$750.00} was sent to my Direct Express card. I contacted both 1-800 customer service numbers for your company. I tried for two days to get a live person. I waited for hours only to be told that the account was suspended due to possible fraud or suspicious activity and that I would need to email my ID, and SS card to XXXX. The customer service agent seemed hurried and did not give me a chance to tell her that I lost my wallet with all my identification in it. I wanted to make sure that the documents I do have will suffice as evidence. I even attempted to create an online account but an error message keeps coming up stating, information you entered is incorrect. Making this such an inconvenience. 
Unfortunately, due to the Coronavirus COVID19 pandemic and having to keep my mother in a safe environment, I have had to relocate to different dwellings. Because of this delay in releasing my mothers funds we are now facing late fees for the rent, not being able to pay my mothers co-pay for her medication, and not being able to buy food or clothing. 
I am submitting documents from my Case Worker, for verification Mr. XXXX, Social Security Administration XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ext XXXX and further documentation that I previously had obtained a Social Security card, but due to the pandemic am unable to obtain another one in person. The same for getting another ID/Drivers License, most offices are closed and employees are working remotely from home. Therefore, its limited in regards to time. This situation is of utmost URGENCY. 

I am respectfully requesting that you not only accept the documents I have attached, but please expedite this request so that we can take care of my mother. If I can be of further assistance, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX or ( XXXX ) XXXX. 
Thank you, XXXX XXXX for XXXX XXXX Attachments AFTER BEING ON HOLD FOR DAYS AND HOURS ON IN, DIRECT EXPRESS HAS NOTB
Consumer complaint received 2020-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC. (TX)

This debt originated as a medical debt that was incurred by my ex wife utilizing my personal information. 

I settled the balance with the hospital even though it was not my debt but my ex wifes and collect tech will not XXXX out or delete this account. 

I have never signed any of the paperwork I wasnt there when the debt was incurred my ex simply gave the doctor my information and said bill him.
Consumer complaint received 2023-01-12
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. (NC)

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 of XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 602 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 or 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 2020-11-16
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: National Credit Systems,Inc. (GA)

The following accounts on my credit report doesnt belong to me. Ive never did business or sign a contract with National Credit System or XXXX XXXX. I was a college student who live on campus. I never lived in an apartment or signed a lease. Someone stole my identity. XXXX XXXX XXXX is also a result of identity theft!! Ive reached out to bout companies. I wasnt even old enough to get an appointment and Ive never had XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Refinanced to capital one in XX/XX/XXXX. Sent all required documents. Months following capital one has said they needed documents again. Fast forward to XX/XX/XXXX and capital one claims all documents needed have been accepted and they needed to mail to state of Michigan for title processing. Ive called every week since XXXX asking the status of my title, Ive gotten the same answer, that they needed to send documents into the state and are slow in the processing department. Fast Foward to XX/XX/XXXX and they email me saying the documents are needed again! I call and they Agree its their fault this has been such a hassle. Now they are requesting documents again and basically starting the refinance process over again. They have cost me thousands of dollars since I could not pick up the new vehicle I ordered and had a deposit down on since Capital one still has my title for my truck. They are holding me XXXX in my truck. I need some resolution and capital one has been no help.
Consumer complaint received 2021-08-18
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. (PA)

I have submitted an identity theft report and I have disputed the account listed as XXXX with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Consumer complaint received 2020-12-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CADENCE BANCORPORATION (AL)

In XXXX of 2020, I received a card dated XX/XX/2020 stating my certificates of deposit at Cadence Bank in XXXX, Alabama were up for renewal and I had ten days to respond or the CDs would automatically renew for the same term at the interest rate in effect on the maturity date. I called the toll free number and it went to the bank in XXXX, Alabama. A female employee told me she would ask someone in the XXXX branch to contact me. A few days later, Ms. XXXX XXXX, Branch Manager of the XXXX Cadence Bank, called me. We discussed the CDs and I agreed to renew the CDs for six months at a rate of .60 % which she stated was the rate the bank gave to their customers who had had accounts for years. She asked me to come in and sign the forms. Because of the Covid 19 pandemic, I told her I was in the high risk group and did not feel comfortable coming into the branch to sign the forms for renewal. She agreed to put the forms in the mail the next day for me to sign and return. However, I never received the forms. When I called her two weeks later, she apologized for not sending the forms and promised again to send the forms. I did not receive these forms either. I called for a third time and she again promised to send the forms. 

( See attached sheet )
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NY)

I applied for a mortgage with Better.com ( refinancing existing mortgage I have with another lender ) and was was approved for an interest rate of 2.875 %. A hard credit check was performed and I locked in the rate with a {$550.00} deposit. The underwriting process was started and I uploaded all of the requested documents. After the mortgage company performed the appraisal on my home they informed me that they would increase my interest rate due to the assessed value of the house being lower than they expected. This appraiser valued our house approximately $ XXXX less than the previous appraisal performed 3 years earlier ( we've invested a lot in our house, I don't know why the value would decrease ). 
I canceled my mortgage application and requested a refund. They refused to refund me the {$550.00} and furthermore issued me a declined credit application and sent me an adverse action notice. Now my credit has been hurt and in the future I will have to report that I was declined by a lender.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I went to Equifax 's website XXXX to enroll in the free credit monitoring service. I clicked on the " enroll '' tab and then the " begin enrollment '' button. 

The website presented a " Getting Started '' form where I put my last name, 6 digits of SSN, clicked " I 'm not a robot '', and then clicked the " continue '' button. 

The website then presented a " Thank You '' page saying : " Based on the information provided, we believe that your personal information was not impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXXXXXX. ". I clicked on the " enroll '' button. 

The website presented a form for XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I filled out the personal information, contact information, identity verification, and read the terms and conditions. 
I clicked on the " continue '' button. 

The website presented a page saying : " We have successfully received and are processing your information. Next Step : You will receive an email with a link to finalize your enrollment and activate your product. '' I have not received any email from Equifax. No attempt has been made to deliver an email from Equifax to my email server. No attempt was made to verify my identity using the phone number provided for " identity verfication ''. 

Equifax has not done what it promised.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I never opened a Best Buy Citibank Visa card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. Citibank did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.
Consumer complaint received 2021-08-18
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. (MI)

Transunion has failed to remove the hard inquiries on my report as requested in both letter and over phone. 
Transunion has also failed to remove a account that was fraudulently reported by XXXX XXXX. the account continues to show derogatory and revolving after two years of requesting validation an a letter from XXXX  stating the account is not valid as well as a discharge order that was ignored. 

transunion has refused to remove a bankruptcy they can not verify despite a notice from the bankruptcy court. 

they continue to knowingly report false information after multiple attempts to correct this. 

They are showing a derogatory account from XXXX XXXX that was resolved
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I purchased a travel insurance on XXXX XXXX, XXXX for {$140.00}, using Chase Credit card # XXXX. 
I cancelled our trip, and XXXX XXXX XXXX issued a refund. However, because this credit card is already closed, Chase bank returned funds back to the merchant bank on XXXX XXXX, XXXX. 
I received a letter from Chase Bank explaining what happened. ( see attached letter from Chase dated XXXX XXXX, XXXX ). 
XXXX XXXX XXXX can not locate refund of {$140.00} because Chase Bank misspelled two names and XXXX XXXX XXXX  could not trace the fecund. 
Chase Bank needs to correct the misspell to read as : 1. XXXX XXXX 2. XXXX XXXX XXXX I would like to see a resolution to this matter and finally get my refund Thank you, XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America is the worst institution I have ever had to use. I use them because Nevada Unemployment. 

Change atm amounts all the time and also locks people out of their cards. 

Worse company ever.
Consumer complaint received 2020-06-02
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. (TN)

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX 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 an 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.