davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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: EOS Holdings, Inc. (GA)

I I contacted EOS CCA ( Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX ) was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, Mr. XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency XXXX  got it and still would not remove it. I know the phone call was recorded and I let XXXX  knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep EOS collection on credit score remains. This is not right because I feel as though EOS CCA LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at EOS CCA did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with XXXX  is not helping AT ALL. PLEASE HELP!!!
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-30
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. (TX)

remove the FTC violations attached are the violations XXXX  : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises
Consumer complaint received 2022-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

There are funds of over {$5000.00} missing from XXXX funds! We have not been given proper accounting as to where our funds are there are missing funds being held as Surplus funds which are the same XXXX funds missing not accounted for on statements! This is not an escrow issue due to their being no escrow account on this account! The law mandates that all funds held by bank customer are reported per a taped conversation agreed to by both parties. Per the conversation it was stated that the funds not being reported are in banks possession of see below : Special loans team in Virginia headquarters service team XXXX XXXX XXXX messages left for her no response Where is the ledger of these funds what has the Acct number being used to report. The excuses given XXXX funds for emergency repairs XXXX funds for emergency repairs put to principal After two years in form of principal we know nothing if this not in loan docs! See Amortization schedule buy down {$16000.00} why how and how could this be done without refinancing? This would have to be a new loan, never late, pay own all no escrow immediately after escrow removed now this Where are the funds why do the statements not reflect the total funds held at bank and why? 

XXXX customer service representative XXXX XXXX put to principal After two years in form of principal new one on us, loan reamortized why we have not made any XXXX funds for emergency repairs put to principal After two years in form of principal, Company needs to report full record of XXXX  missing funds where is it, who has it, why is it not reflected on mortgage statement clearly what is going on! Why is there a new total buy down amount when no new loan was taken out, loan in good standing even after all the trucks tried to confuse and steal funds! THIS IS NOT AN Escrow ISSUE ITS A MISSING FUNDS ISSUE AND FALSELY REPORTING FUBDS, missing etc... 
This complaint is in both my name and my wife XXXX XXXX you have authority to discuss all with her as we work together! Please report this office Manager keeps being closed yet issue is not resolved!
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: STANDARD MORTGAGE CORPORATION (TX)

Our mortgage provided through XXXX, XXXX XXXX switched lenders from XXXX XXXX XXXX to Standard mortgage corporation ( around XX/XX/22 ). Upon transferring standard mortgage corporation has not been reporting our mortgage details to the credit reporting bureaus. We've called several times ( XX/XX/22, XX/XX/22 ) inquiring and they mentioned it's standard for transferring lenders, and it should be reported in 60 days. 60 days has since elapsed and our mortgage is still not being reported.
Consumer complaint received 2022-07-29
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: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. LVNV FUNDING LLC : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-06-09
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: ENOVA INTERNATIONAL, INC. (OH)

XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted NetCredit, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. NetCredit then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed NetCredit of the fraud and I have not received any meaningful information regarding the status of that claim.
Consumer complaint received 2022-07-29
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
XXXX. XXXX XXXX XXXX : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-08-09
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 the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # XXXX, has violated my rights. 

XXXX5 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
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Letter dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating {$2000.00} owed creditor : Capital One Bank, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/22 I purchased to seat covers from XXXX in the amount of {$59.00}. 
On XX/XX/22 Citibank closed their investigation and reverse the {$59.00} credit to account ending in XXXX. 
The copy of the merchant 's response does not include shipping XXXX 's name, date of shipping, tracking number, deliver date and or delivery pictures.
Consumer complaint received 2022-04-13
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. (TX)

I XXXX XXXX XXXX contacted equifax, XXXX, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it Equifax failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.
Consumer complaint received 2022-04-13
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. (PA)

XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with drug possession that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

I reached out to my mortgage company to get assistance with possibly doing a loan modification. I had been impacted by Covid for a year and then after that I took a job for less pay. I experienced great hardship in my personal life after that with someone XXXX XXXX XXXX XXXX. I am now at a point in my life that is stable and have a stable income. XX/XX/22 I was emailed and mailed the incorrect information to request for assistance. How do I know that? XX/XX/22 I received several pieces of mail from my mortgage company. Two documents Introducing a new relationship manager. And another saying they needed additional information. The information requested was listed already on my account as being received and accepted. I was told numerous times on the phone the rep manually marked my account for requests of hardship as being completed. I was also told XX/XX/22 that the application I filled out was wrong and needed to fill another out but had to find it myself. I sent all that was requested yesterday. Today XX/XX/22 I call back as I was told to do to verify if my docs were received. I get told that I need to send more docs in that were already sent once before. I questioned why and requested to be informed what all would be required so I can make sure all my docs are sent in today. I was placed on hold for 15 min and then blind transferred back to the automated system. I got someone else on the line and informed I sent in all the docs but wanted to have it noted that I sent in what was asked and now Im being told that it was wrong. The person refused to listen to what I had to say. When I requested a supervisor several times they hung up on me.
Consumer complaint received 2022-04-13
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)

FRCA Violation credit cards late payment XXXX FRCA Violation XXXX XXXX late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX FRCA Violation inquiries XXXX  XXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXXXXXX CT XXXX, TX XXXX
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

My name is XXXX XXXX and I am from XXXX, NC. On XX/XX/XXXX, I ordered online the item listed below ( an antenna for my TV ). 
I kept checking the status of my purchase but I find out that it was delayed, so I never received it. 
On XX/XX/XXXX I called the XXXX to ask about my order 's status and I was told the item got lost. They started an investigation but never heard back from them again. They also told me to call Best Buy. 
I contacted best buy via email, on their website several times and also called the customer service. 
I want to let you know that I am getting a bill every month for the item purchased. I used my husband 's best buy credit card, so I called them to let them know I will not pay the bill because I didn't get the item. The bill is in his name not in my name - XXXX XXXX. 
Last time I talked to Customer Service - Best Buy was XX/XX/XXXX @ XXXX. 
I learned that my item got lost, so I requested the order to be cancelled and not to send me a bill anymore. 
They asked me how I paid it, told them I used my husband 's best buy credit card and also let them know that my husband passed away in XX/XX/XXXX. 
At that time I was told to wait 7 to 10 days for the probate department to call me, but I never received a call. 
Today is XX/XX/XXXX and I am still getting the bills with late fees to pay. I can not pay the bill. I never received the antenna, nobody got in touch with my about the status of the order or the investigation. I feel like I am taking advantage of. 
Please help me with this and advise me what to do. 

Thank you XXXX XXXX XXXX XXXX Order Details Print Purchase Date : XX/XX/XXXX Order Number : XXXX Total : {$32.00} Show Payment Details Shipment Delayed WARN Warning XXXX  Logo Delayed We're waiting for XXXX to provide a new delivery date. 

Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX US Mon, XX/XX/XXXX in XXXX XXXX  NC XXXX XXXX 

We've begun an investigation to locate the package. We've begun an investigation to locate the package. 

Tue, XX/XX/XXXX in XXXX FL Sun, XX/XX/XXXX in XXXX FL XXXX  Logo XXXX  Tracking Number : XXXX Tracking info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SKU XXXX XXXX Quantity : 1 Item Total : {$32.00} Product Price : {$29.00} Sales Tax, Fees & Surcharges : {$2.00}