davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-30
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. (NJ)

I am refiling this complaint to EQUIFAX, XXXXXXXX XXXX has breached CARES ACT. I was on Forbearance due to Covid 19 however I have signed a PARTIAL CLAIM already and my resumption of payment is from XX/XX/2022 how on earth do I have an overdue of 30 days with my XX/XX/2022 PAYMENT? You have the letter from XXXXXXXX XXXX  confirming the same. 

Please re-open my dispute.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. 

XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. 

So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. 

XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (ND)

It has been well over three weeks and the PNC BANK has not given me a reason as to why I can not access my funds. Every time I call to find out what is going on they say my account is under review and that they will call me within 24 hours which they never do. At which point I call again to get the same response over and over. They will not even allow me to close my account. When ever I call no one knows what is going on and they claim not to be able to see it or be able to give me a reason. I have called numerous amount of times both before and after the BBVA and PNC Bank merger and neither banks have been able to provide proper care.
Consumer complaint received 2022-08-12
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. (FL)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX I have send in this view letters about these inquiries that are onauthorize and they have failed to properly investigate it right the next day they come back verify as accurate Equifax is not doing the job is to investigate the accuracy of these inquires they have violated the federal credit acc
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-16
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. (NC)

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-06-10
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: CASHCALL, INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I am XXXX XXXX, and on the XXXX Of XXXX I deposited my pension check into my account. On the XXXX Of XXXX I tried to withdraw fund but, the funds has not cleared. 

I called the bank and ask why, and their answer is that my pension is being held by The Federal Reserve 6-10 days. I ask why would The Federal Reserve hold my account funds, and I was told due to a lack of funds. This has caused problems for me due to payment obligations.

I have never heard of such. Can you help me? XXXX XXXX XXXX
Consumer complaint received 2021-10-21
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: ERC (PA)

On XX/XX/2020, ERC XXXX  added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ERC XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (TN)

Please be advised this is my First Written Request .The unverified items listed below remain on my credit report in violation of Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of FCRA you are required to promptly DELETE all information which can not be verified. 
ACCOUNTS : XXXX XXXX XXXX ( {$460.00} ) # XXXX & ( {$840.00} ) # XXXX, XXXX XXXX XXXX ( {$220.00} ) # XXXX, XXXX XXXX XXXX ( {$6200.00} ) # XXXX & ( {$220.00} ) # XXXX & ( {$150.00} ) # XXXX & ( {$150.00} ) # XXXX, XXXX XXXX XXXX ( {$380.00} ) # XXXX, XXXX XXXX XXXX XXXX  ( {$2200.00} ) # XXXX & ( {$1500.00} ) # XXXX, XXXX XXXX XXXX ( {$630.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$440.00} ) # XXXX, XXXX XXXX ( {$49.00} ) # XXXX, XXXX XXXX ( {$150.00} ) # XXXX, XXXX XXXX ( {$1600.00} ) # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX $ XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

This is a complaint against Mr. Cooper, a mortgage servicing company. 

This company took over servicing my loan in XXXX, XXXX. My homeowners annual premium was due on XX/XX/XXXX. I received a letter from my insurance company on XX/XX/XXXX advising me that my homeowner 's premium had not been paid, and that my policy was in danger of being cancelled for non-payment. I sent an email to Mr. Cooper thru their website on XX/XX/XXXX, asking why that had not been paid when it was due. I received a " form '' email in response several days later, advising me that it would take them 7-10 days to research this. That was interesting, because I could check on their website and find out in less than a minute if it had been paid. Several days after this response (? ), I received ANOTHER " form '' email, telling me that my issue was bring forwarded to the insurance department for review, and that they would be in touch following their " investigation '' into this not being paid. In the meantime, I am receiving calls and letters from my insurance company AND my insurance agent wanting to know if I was going to pay the premium. I have not heard anything from Mr. Cooper since I was told that it had been forwarded to the insurance department. I have ZERO faith in this company to service my mortgage properly. Now I am going to have to double check to see if my property taxes are being paid on time, as well as my homeowner 's insurance. I have not had ANYONE from Mr. Cooper reach out to me by email or phone to tell me what is going on.
Consumer complaint received 2021-10-21
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: CBC Companies, Inc. (IL)

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all 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
Consumer complaint received 2022-08-02
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: ID Analytics, Inc. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

The following incident occurred with USSA Federal Savings Bank : Wednesday XXXX XX/XX/2022, at XXXX, I logged into my USSA savings account to increase my daily limits for ATM withdrawals. I needed to pay a contractor that did construction work on my home and wanted to pay him first thing in the morning when he came by. When I made an attempt to withdraw funds, I was unable to. I called USAA and told them what I was trying to do. I was made aware that the increase in funds did not allow for an increase in ATM withdrawals, I was only allowed to withdraw {$610.00}. I made mention that I was unaware of that. The representative recommended that I make multiple attempts to withdraw what I needed. When I tried, I was immediately locked out of my account. I went home and got online, and I was locked out of reviewing my account online. Ii called back to inform USAA what happened and was advised to contact them the next morning. The next morning I contacted USAA and was told that my account was sent to the fraudulent department and would be locked for three days. I mentioned to them that it was not fraud and explained what I did. They said it wasn't anything they could do once it reached the fraud department. I asked them if I could speak with a supervisor and was told that there was no one else higher I could speak to. By my account being locked, I was unable to travel that weekend, plans that have been made weeks ago. Hotel reservations had to be canceled, I was unable to put gas in my vehicle, nor by any food for the house. Once I got through the weekend I called because it was day three. I was told my account was still being reviewed. I mentioned to them that my XXXX XXXX  pay, my XXXX check, and my paycheck was just deposited, and I needed access to my funds. All I received was a sorry for your inconvenience. I have been humiliated because I have taken two personal days off work because I can not put gas in my car. I have canceled my doctor 's appointment with XXXX XXXX, which I have waited 6 months for an appointment. I have called every day and now it is day six and I have had services in my home turned off even after explaining what happened. Some agencies are working with me. I mentioned to USAA how this has affected me and that I have XXXX XXXX XXXX  and my XXXX  and XXXX has gotten the best of me. They continue to say, there is nothing they can do. The humiliation I feel is because I am begging them to release my money so that I can function. As soon as this ordeal is over, i am transferring everything to another account and will never do business with USAA again. They have horrible reviews and they supposed to support the Military, retirees and their families. They do not care about the financial turmoil I am currently in or my XXXX state.
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-12-30
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. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2022-09-30
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)

I previously submitted a CFPB complaint about an inquiry I didn't recognize to Equifax : XX/XX/2022, XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Equifax stated in their response : " XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That is not true. The inquiry is listed on my Equifax file. That is how I discovered it.
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-21
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. (TN)

I have disputed this account that appears on my XXXX and Equifax credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another. 

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.