davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. XXXX with the original amount of {$3800.00} with a high balance of {$0.00}. Equifax removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to hireright reporting agency has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Today I went to the JPMorgan Chase Bank branch at XXXX XXXX, in XXXX zip code XXXX, to complete the transfer of funds from the decedent account of my mother to an estate account for her assets, as I was appointed by Surrogate 's Court of the State of New York XXXX  County as voluntary administrator of my mother 's estate, and upon presentation yesterday of the court issued certificate for permission to open an estate account in NY and a letter of confirmation from the IRS of the new EIN, a new estate account was created but I was told the bank puts a hold that takes a few hours to clear, so that today I went back to this branch to have the funds transferred into the new account, as wherein a certificate states " JP Morgan Chase Bank - RELEASE DECEDENT 'S FUNDS '', and a personal banking representative went to a teller to present slips for withdrawal from the decedent account and deposit to the estate account then said that the teller sent a texted code to the cell phone number, which in the bank 's file as my contact number and when I said that I don't have my cell phone with me now, she went back to the teller who delayed me for 30 minutes doing whatever she was until I went to the window and asked her why is this transaction taking this long, she then handed the slips to me and said the transaction can not be processed unless I give the code that was texted. I said that I believe it is illegal for the bank to require an estate administrator to own a cell phone in order release the funds. She said that she can not do the transfer because the bank 's system does not let her do so without the texted code. I went back to my home to get my cell phone and saw that the text message from the bank had been sent 44 minutes earlier and said the code is good for 10 minutes. I returned to the bank and the teller processed the transactions without asking for the code or sending a new code to my phone. She said because I clicked the text it could be processed. I had clicked on the text while in my home, she did not see me do that. That is not effective security either as the phone could be lost and it was unknown to her who clicked the text. 
I ask this agency to investigate as to whether it is illegal for a bank to impede the release of funds to an estate administrator by imposing a requirement that an estate administrator must additionally own a cell phone and /or have a cell phone in working order, and /or cause delay to an administrator to have to retrieve a cell phone.

I ask this office to investigate as to whether it is illegal that the bank represents that it uses a texted code as required security but does not require the cell phone owner to recite the code and uses the code which is expired to process the transaction, based on that someone who is outside of the bank representative 's sight clicked the text.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading information.
Consumer complaint received 2022-04-05
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: Verisk Analytics Inc (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I told them that XXXX XXXX  is allowing criminals to steal from my checking account. They are making fradulent transactions. I also told them that I did not order this purchase, I told them them not to mail the purchase. Why was I mailed the purchase? I showed Citizensbank and Consumer Financial the emails, why did they renege on the refund? This was a duplicate purchase of {$170.00} on the same day. 

An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number of XXXX XXXX XXXX refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several people copying my phone number so they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I can not make important calls to banks or creditors.Many of my relatives were XXXX this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX instead delivered the package. After Citizensbank completed the, banking, transaction, anyway, I told XXXX XXXX XXXX to " please do not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be from XXXX even told me that he was not going to deliver the package They delivered the package anyway. Several criminals were lurking near my home during this time as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX  XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other people from XXXX or XXXX speaking countries, intercepting the calls, so that I am unable to speak with an authentic representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a mental problem.
Consumer complaint received 2022-04-05
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: LEXISNEXIS (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX acct no.XXXXxxxxx and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of XXXX  's refusal to investigate, yet the proof shows the accounts are open and XXXX  also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
XXXX claims this is a " duplicative dispute '', When has XXXX  ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX  on closed accounts ... when has XXXX ever investigated that fact? 

XXXX  is merely calling it duplicative and frivolous under the FCRA because it is not profitable for XXXX  to do any dispute ever and they will try to get out of doing disputes
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

My mortgage was recently transferred from Dovenmuehle Mortgage to XXXX XXXX in XXXX. All of their written communications said that any payment made to Dovenmuehle before the transfer for XXXX payments would be automatically forwarded to XXXX XXXX. I made a mortgage payment for the month of XXXX to Dovenmuehle on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to XXXX XXXX. It still has not been. In order to pay my mortgage for XXXX through XXXX XXXX I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which Dovenmuehle or XXXX XXXX still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX
Consumer complaint received 2017-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

In XXXX I took out a student loan that I would regret more than not finishing school bc companies like EXPERIAN report FALSE, TWISTED, INCORRECT, AND OLD INFORMATION & ( unlike XXXX  and XXXX  ) REFUSE to take it down and THEY'RE XXXX ME OFF bc I have uploaded UNDENIABLE evidence contradicting thier statements & they still won't take it down. PLEASE, have them show you documentation of my account going into COLLECTION in XXXX of XXXX. XXXX and XXXX dont show anything like that bc they're not delusional XXXX who report false and outdated information about thier customers. I WILL NEVER STOP UNTIL SOMEBODY LISTENS TO ME. NONE OF THIER XXXX MATCHES WITH OTHER THE OTHER BUREAUS BC ITS WRONG!! EXPERIAN IS THE MOST CROOKED BUREAU EVER WITH THIER DATA BREACHES EXPOSING MY SENSITIVE INFORMATION AND THEN HAVE THE NERVE TO TREAT ME LIKE IM LYING WHEN I CONTINUOUSLY PROVE IM NOT. IM NOT IN COLLECTIONS!! THE ACCOUNT IS CLOSED!!! ITS 7 YEARS OLD!!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.