davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2020-09-21
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: Resurgent Capital Services L.P. (GA)

These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

On XX/XX/2022 we tried to make our mortgage payment online and over the phone an was unsuccessful... ( PHH blocked there customers ) why because PHH website stated payments unavailable and over the phone it stated no payments can be excepted at this time. This is the only business I know that blocks customers from making payments. Any other company we do business with you can call any day an any time and NEVER have an issue. Though my payment was not late what if this was the last day before it would have been late. This is the tactics of this business and this is a pattern because this is not the first time I have had this issue. There needs to something done with companies like this who are deceitful and have no integrity. I am sure that everyone who has this mortgage company feels the same way. If it's not one thing it's another. There phone system when you call you can't hear options because its pauses in the message and it goes out and in. And on the website everytime it's time for payment the website has issues and problems. What is the use to speak with the company there going to act as if they didn't no or say we are sorry and will do it again. It's a pattern.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello so i had a Bank of America credit card in the past that i had paid off about two years ago. So two years ago when i paid it off about a month later i noticed charges on it that i did not charge. I informed Bank of America of the charges they took it off and stated they would send out a new card. I never received the new card. The charges happened again. So i called to let them know number one i never received the new card and now number two i have more fraudulent charges. They once again said they would send another card. Still never received it and i was once again hit with a THIRD fraudulent charge. So finally they overnighted a card to me which i received. After that i had no more charges but they tried to make me pay for the third charge that happened. I did not make any of these charges. I have tried contacting them and telling them and i have got no where. So i hired a lawyer in NY where i was living at the time. They had me write 3 Letters one to each major bureau. So i thought that had it taken care of to get it off my credit report. Until recently i got a letter in the mail saying it was in collections. I called the collection agency to explain and they just transferred me to Bank of America. Which i get no where talking to them. This has affected my credit alot. It affected me finding a place to live along with other things such as applying for credit cards etc. It is not fair that they are trying to make me pay a debt in which i did not charge to begin with. Also to add on when i tried to go back and look at the statements when the charges where made the whole month of XXXX had dissappeared.
Consumer complaint received 2021-11-11
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX XXXX XXXX  Balance {$79.00} XXXX  XXXX  XXXX XXXX XXXX XXXX  Balance {$530.00}
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (PA)

On XX/XX/XXXX Southwest Recovery Services reported on my XXXX report that I owed {$810.00} on an individual account taken from original creditor XXXX XXXX XXXX XXXX. Stated it was opened on XX/XX/XXXX which I have not opened any new accounts at that time. Tried calling XXXX ( XXXX ) XXXX pressed option 2 to speak to someone regarding credit reporting office regarding a issue appearing on your credit report. Rings several times then you are disconnected or occasionally you can leave a voicemail for an individual. After several calls was informed this was a payday loan however other than that they just refer you back to XXXX XXXX XXXX which has no information as the debt was removed from their office
Consumer complaint received 2022-04-01
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. (DC)

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 XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA MORTGAGE Approved our refinance loan of {$180000.00} and sent our " Final Disclosure '' on XX/XX/XXXX for an XX/XX/XXXX Consummation Date. 

We've already paid all property taxes and insurance through XX/XX/XXXX. 

On XX/XX/XXXX, at the time of signing- the Notary placed NEW " Final Disclosure '' on top of our Loan Documents changing the terms of the XX/XX/XXXX " Final Disclosure '' and forcing our hand in accepting the inclusion of escrowed insurance and tax payments. 

According to CFPB, it's against the law to give this less than 3 days notice before signing. We were coerced and this will negatively affect our finances moving forward, putting us at higher risk while also causing us to lose the benefit of controlling our own monies and using our credit to our best interest. 

USAA could not give any clear answers as to why they did this at the last minute as we were in the process for almost 2 months, nor would they offer any reconciliation. 

USAA then spent our valuable time having us continue to email and call them to re-hash the scenario to different representatives, also putting us on hold at 20-30 minute increments and eventually offered " hope '' that the servicer could adjust off the escrow. When we asked if having escrow taken off has ever happened, they said " No. '' We will lose the ability to make interest on the monthly payments to escrow and we will lose the ability to pay-down the principal during the year because of USAA 's incompetence with this matter.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2017-12-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AES/PHEAA (PA)

Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

As per the terms of the promotion, I was required to open a Citi Access Checking account, make direct deposits totaling {$1500.00} within 90 days, and would receive a {$300.00} bonus within 30 days of completing the required deposit. 

I successfully opened the account on XX/XX/24 and completed the required {$1500.00} deposit via XXXX and my work direct deposit on XX/XX/24. However, it has now been 32 days since I fulfilled the requirements, and I have not yet received the bonus in my account. 

Upon contacting customer service, I was informed that the promotion was not visible on my account and was directed to the dispute center. The dispute center confirmed the validity of the promotion and assured me that I had fulfilled all requirements. However, they mentioned that I would receive the bonus within 60 days, which contradicts the terms of the promotion that stipulated a 30-day timeframe. 

I inquired about this discrepancy and whether the terms and conditions had changed, but I did not receive a clear explanation. I was simply instructed to wait. It is worth noting that a friend of mine who opened the same account received their bonus within 10 days of fulfilling the deposit requirement, as did several others mentioned in online blogs.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report, it states I was 30-59 days late on a payment for XX/XX/2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (OK)

An email was sent to me from XXXX at XXXX XXXX CDT on XX/XX/2024 saying that XXXX had a Hard Inquiry into my credit. I saw and opened the email at approximately XXXX XXXX CDT XX/XX/2024 and saw that Citibank NA/THD had made the inquiry. I have not made any applications for credit or a loan ever with Citibank or any retail store. A websearch told me this was for a store credit card with The Home Depot. 
I contacted Citibank at XXXX XXXX via telephone to let them know about the fraudulent activity. 
I spent the next hour being bounced around to six different departments, who refused to do anything more than say that they could not help me and someone else would have to help. Some of them took my SSN, email, telephone number. Those that did said that they had no record and could do nothing. 
After Citibank hung up on me, I contacted XXXX and after another hour was told an initial flag had been placed on my file, that Citibank could still approve the use of my credit and if I wanted the Hard Inquiry taken off my credit score, that I would have to produce several documents, including a report to the FTC, which I am trying to do now. 
At this moment, I am waiting for Citibank to issue a The Home Depot credit card to someone who stole my identity AFTER I tried desperately to warn them about what was happening and after being denied any way of stopping this crime against myself and Citibank from going any farther.
Consumer complaint received 2022-04-27
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. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-21
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. (OH)

I have had a credit account with Chase Sapphire since approximately XX/XX/XXXX and have received several credit increases over that time. My most recent credit limit was somewhere around {$14000.00}. Since opening the account I have paid my account bill on time every single month. Like many Americans XXXX has been difficult for our family and for the several months I carried a higher than usual balance on my Chase Credit card ( along with several others ) however, during this time I still paid ( at the very least ) the minimum balance on these cards every month on time and when possible I paid more. On XX/XX/XXXX I was able to make a large payment of over {$13000.00} and pay off the vast majority of my balance. Several weeks later I paid off the remaing $ XXXX and brough my account balance down to XXXX. It was at that point I noticed that my credit limit had been decreased ( without notice ) from {$14000.00} to {$900.00} despite the fact that over the past couple of months my credit score had been increasing. When investigating further I found that this decrease was made on XX/XX/XXXX. 

When I contacted Chase I was passed around to about 6 representatives who told me that a letter ( I never received ) was sent to inform me of the change and that they basically ca decrease my credit limit whenever they want. When asked about restoring the original credit limit they told me that they would have to do a " hard pull '' which would count against my credit rating. This given the fact that they had already negatively impacgted my credit rating by decreasing my available credit by over {$13000.00}. 

My concern is that this is an incredible shady, classist business practice that harms Americans who are already struggling during these times. I find it more that a coincidence that in the almost two years that I have had an account with them they never decreased my limit ( despite occasionally carrying a high balance that was always paid off ), but now during these difficult times they just randomly decide they should look at credit scores and decrease people 's spending limits. Clearly, it is a matter of self-preservation and discrimination. Credit cards are exactly that. They provide credit to people particularly during times they don't have the cash to pay for things. There is no crime and no delinquency in carrying a high balance as long as monthly payments are made on time. People, particularly those who financially are having a hard time right now SHOULD not be punished by their selfish, discriminatory, greedy practices. Therefore, I would like to file this grievance encouraging investigation into their business practices and ethics.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX EQUIFAX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX