davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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. (MA)

XXXX XXXX XXXX XXXX, XXXX foreclosed on my home on XXXX and the alleged account was with this bank. Now this XXXX  - XXXX XXXX is on my credit report as having some sort of claim on this alleged account that was closed on the above date upon illegal auction. This alleged account again should have been closed but instead now XXXX XXXX XXXX XXXX XXXX  on my credit report has somehow put this alleged account with XXXX - XXXX XXXX knowing it is closed and without my knowledge. Also it shows as show in the below to be in default of 4 payments.XXXX XXXX XXXX XXXX XXXX is trying to extort more money out of me by fabricating these false reports into my credit reports. This while further destroying my credit. 
XXXX CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX
Consumer complaint received 2021-06-09
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-02
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. (FL)

I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.
Consumer complaint received 2021-11-03
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. (VA)

credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.
Consumer complaint received 2018-03-05
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: U.S. BANCORP (CA)

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XXXX XXXX ) - XXXX  will not list that this will affect your credit score, nor did I apply for XXXX XXXX. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XX/XX/XXXX, but I did not apply for any to pull credit information from my account. 

4. US Bank. ( XX/XX/XXXX ) - I had a secured card from U.S Bank,  therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NJ)

On XX/XX/2020, I lost my wallet for several hours while under the influence of alcohol. During that time an imposter went to XXXX in XXXX and attempted to use my corporate XXXX XXXX to make a large purchase which was denied immediately by XXXX. They then used a different credit card ( Fidelity/Elan Services ) to purchase {$5700.00} in items. The imposter also tried to make additional purchases at XXXX XXXX XXXX which was denied by Fidelity/Elan Services, although no notification or alert was sent to me. When the wallet was found I was unaware of such charges since all credit cards were there. When I found out about the charge to XXXX posted on my account I immediately contacted card member services and reported it as fraud. The transaction amount was temporarily refunded until XX/XX/XXXX. I received a letter from Elan Card Member Services stating the transaction had been reversed and I was liable for the purchase and listed the following reason " The card was used by an individual that you had previously authorized to use the card and did not notify us that the person was no longer authorized. '' I've contacted card member services and was informed the case had been closed even though it had never been reviewed by an independent agency. I do not believe XXXX XXXX XXXX XXXX has conducted a reasonable investigation according to the XXXX 'Regulation Z '. After several months of repeated phone calls to case processors and supervisors, the company is unwilling to take the steps necessary to properly investigate this case, including but not limited to, acceptance and examination of the police report, examination of the credit card receipt in which must identify the cardholder or authorized user, review of prior purchasing patterns and locations. Furthermore, when I requested documentation of the reasonable investigation I was denied and told to write a letter to the office of the president for any further communication.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (MA)

So in XXXX when Covid happened I knew my pay/commissions would suffer and I reached out to Homebridge Financial who told me if I made a payment in XXXX for XXXX they would put my on forebearance for 3 months. At end of this from XXXX through XXXX I kept getting run around about coming off and pushing payments off until end of loan. Right up front I told them I would not be able to pay lump sum and they continued to tell me I would not have to all the way through XXXX and I have a letter from them admitting I was told that in error and they would use as training. I was told these payments would be pushed to the end of the loan and I could make first payment in XXXX and when I called to make a payment they said I need lump sum or nothing. I contacted the MA Atty Generals office ( who suggested now I contact you too ) who told me Cares Act and Chapter 65 laws do not allow mortgage company to do this. I sent paperwork to them multiple times to get loan modification and continued to get letters saying they don't have the info so I resent 3 times. They have not returned emails from MA Atty Generals office either. I followed what I was told to do by not only Homebridge but also MA Atty General 's office from day one. I also received a message from them they received my info and would look it over and then a second letter saying they needed more time. The admitted errors on their part have put me in this situation and honestly I find it to be more fraudulent then errors made. I am reaching out again at the advice of MA Atty General 's office
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (GA)

There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My file is currently in and has been with the Equifax office of consumer affairs since XX/XX/XXXX. They claim its to protect my file but it has done nothing but keep me from doing just that. I cant monitor my credit report with Equifax and therefore several inaccurate items are listed on the report. When trying to contact them to resolve the issue, it takes me an hour or more to get someone if I can even get someone. About XX/XX/XXXX I was told by 2 different representatives that they were requesting that my file be released from this department after they reviewed it because there didnt seem to be anything requiring it to remain in this department. I was told by the first representative that it would be dont in 24 - 48 hours and after not seeing it done in 7 days I called back. At the tile of call back, I was told by the second representative that they were slower in the process so to covid but he would escalate the file to get it done. 3 months later I still have no resolve so I called back. This time I spoke to a representative named XXXX who has an ID number of XXXX according to her and was told that my file can not be removed and shes not sure why the other representatives provided me inaccurate information. When I asked if she could see the previous representatives that I spoke to, she confirmed that she could but would not give me there names. This matter has become more than frustrating and compromising to me and my life. I need help resolving this matter because this situation has to be illegal in some fashion. Ive asked to speak with management in their office to resolve the matter and they wont allow me to do so.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX- a debt collection agency said i was being sent an arbitration for an old account from wells fargo from XX/XX/XXXX and would have to go to court. it would be delivered to me XX/XX/XXXX between XXXX by a courier. They asked for my personal account info to send them money. I asked them for details on the account and they refused to send me info and stated it was a stall tactic. 

XXXX and XXXX with XXXX XXXX XXXX XXXX, XXXX ( caller ID shows this a a XXXX CA number ), XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (FL)

I went to a XXXX gas station in XXXX XXXX Florida XXXX that I used charge me {$0.00} for gas when I got my card it is trying to charge me {$50.00} for gas that I never got I only got {$0.00} in gas and the pump stopped now the XXXX is keeping my {$50.00}
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

i went into XXXX to access my credit report online. I received an error message from both XXXX  and Equifax indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at XXXX. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from annualcredit.com and by law and XXXX, Equifax and XXXX are violating the law by not allowing me to access my credit report online from XXXX.
Consumer complaint received 2022-09-19
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: HYUNDAI CAPITAL AMERICA (CA)

KIA MOTORS FINANCE obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Consumer complaint received 2019-03-10
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. (TX)

XXXX XXXX XXXX  XXXX was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX,2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-09-19
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I noticed a fee of {$2.00} on XX/XX/20 for anATM balance inquiry using card # XXXX, which I had reported stolen, and presumed cancelled, on XX/XX/20. Not only did I not make the transaction resulting in the {$2.00} fee, it also should have been impossible given that the card was not in my possession and inactive, according to XXXX phone customer service but apparently not the case.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KS)

As of today XX/XX/2020 my Chime Checking account is down for the second time this week. Down meaning the App will not work to show me my balance or recent transactions, the funds are not available at all, debit card purchases are down, transfers are down, ATMs are down. Can't access any of my money for the 2nd time this week. It happens at least 1x a month now. Our regulators are just allowing this to happen repeatedly. When was the last time you heard of XXXX  XXXX XXXX or XXXX XXXX  going down for 8 hours? The government would make sure that never happened again because of all the issues it would cause. This is unacceptable. I am going to move my money to somewhere besides Chime but I am concerned about other people who may not be able to do so. Something needs to be done to ensure Chime can't continue to do this to people and affect our lives this way. Totally unacceptable to have a bank system completely crash 1x a month, or in this case, twice this week.
Consumer complaint received 2020-10-30
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. (GA)

I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, equifax, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (MD)

I am writing to complaint about CoreLogic Credco and XXXX  XXXX. I am currently in the process of shopping to buy a new home, and as such, recently submitted for a mortgage pre-approval letter through XXXX XXXX, who pulled my credit report from CoreLogic/XXXX XXXX. Though I have excellent credit scores across the three bureaus and am in the top percentiles, and have consistently had an extremely low balance on my accounts ( i.e., less than 5 % utilization ), I was characterized as having too high of an amount owed on my accounts, across the three bureaus on the credit score disclosure notice that CoreLogic sent me.

As such, I requested my credit reports from all three bureaus, and looked at my historical reports/scores, and can clearly see that this characterization is simply untrue. When I called CoreLogic, they said it was XXXX that interpreted my scores/credit report as such ; however, this is simply untrue. Upon conferring with XXXX XXXX, it was made clear that the interpretation of my scores on my credit score disclosure notice came from CoreLogic and XXXX XXXX. 
This is immensely upsetting as it has negatively impacted my credit evaluation and ability to borrow for my mortgage, even though I have maintained an absolutely stellar credit history for years now. I simply do not understand why I am being falsely categorized/characterized by CoreLogic and XXXX XXXX, when the reality is that my credit reports do not reflect this information of a high amount owed, etc. 

I greatly appreciate your work on our behalf. 

Thanks.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (AZ)

XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
Consumer complaint received 2020-10-25
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. (TX)

Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.