davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA (PA)

I received a settlement from Tenaglia & Hunt for {$2900.00}. I paid on the due date online ( I have receipt ). The money was never taken out of my account. I have contacted them 57 times for the last 2 months, leave messages with the person in charge of my account and other management. I have stated I am at work and can we please set up a time to connect to resolve this matter. Of the the 57 times I called, I have received 4 call backs where they leave messages to call them back. I call back within 5 minutes and the same cycles starts over. I was finally able to make contact with XXXX once and explained I paid and emailed him the receipt. We said I know own the {$3900.00} or full amount in four payments. I asked to speak to his supervisor or manager. He said he will put in the request which two weeks. I have not received a call and now get sent directly to voicemail. I would like to settle this situation and thought I already did but they continue to spin me in circles with no resolution in sight.
Consumer complaint received 2022-07-06
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. (NY)

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus XXXX, XXXX and Equifax. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Consumer complaint received 2022-07-06
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. (NC)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-03
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. (MN)

I submitted a claim that the inquiries from XXXX XXXX  were fraudulently reporting on my credit report. Equifax responded I should contact them but there is no contact info or person / phone numbers. Equifax is negligent and doesnt do fair or thorough investigations. The inquiries better be removed immediately or I will be contacting lawyers for monetary damages.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. 

It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. 

I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). 

Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. 

He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. 

Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. 

I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. 

Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. 

I will attach copies of my correspondences to their online customer service.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Consumer complaint received 2022-11-03
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. (MN)

The Credit bureaus stated my account was properly investigation but how is that possible the name of the credit collection company isnt accurate, the name of the original creditor is not accurate, the account status is not accurate, the status updated isnt accurate, as well as the date of the balance update is not accurate. At the bottom it clearly states I already disputed this item to no avail. This is very disheartening knowing the credit reporting companies dont accurately investigate disputes. This ground for removal they also violated my rights under 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
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OR)

XX/XX/XXXXXXXX XXXX XXXX. Two men called me impersonating police officers. Reported that I had signed a subpoena and that I missed court. Reported that I was in contempt of court and failure to appear and needed to pay {$1500.00} for each offense if I wanted to avoid being arrested. They referenced my job title ( accurately without me saying ) several times. Reported I would eventually come to the police station to compare my signature and if it didnt match what was on subpoena, then I would get money back. Reported I needed to pay now so that they dont have to process me and have an arrest on my record. Reported that I didnt have a criminal record ( also accurate and I did not tell them ). They called from phone number that showed up with caller ID showing XXXX XXXX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX were phone numbers of each person. Person came on phone reporting that they were the supervisor and said I need to pay bonds. Both said I would get money back, its just procedure. Also said they dont take cash because of COVID. I challenged them several times and they had answers for everything. They were professional, rehearsed, and intentional. About two hours later, I paid them {$3000.00} via XXXX on my US Bank acct app with my business checking acct. XXXX XXXX XXXX was number. They said it was their financial dept. They said it didnt go through and I paid again through same acct. XXXX XXXX XXXX was second number. They said there was an error and it was still not going through so they would have to ask me to do something they rarely do. They sent me to my bank teller to get {$3000.00} again ( this time I grabbed from my savings and personal acct ) and sent me to XXXX XXXX off XXXX XXXX in XXXX to buy XXXX  They had me send them pictures to verify purchase ( which I now know was to get codes but I was unfamiliar with the whole thing ). This is a total of {$8900.00} ( apparently XXXX XXXX  machines only allow {$2900.00}? ). Then, they hung up and did not answer. I went to XXXX XXXX police department off XXXX XXXX in XXXX OR immediately and they said it was fraud and I should make a report after calling my bank to try to have it reversed. I called my bank and asked them to reverse which they said they couldnt do. They said they will report it to team for review. I made a police report and that case number is XXXX. I called US bank on XX/XX/22 and spoke to a woman who said my report was filed under dispute and not fraud and I should call back when it is denied to have it go back through as fraud. I called back XX/XX/XXXX and checked on review by bank. They reported that it was filed correctly, as dispute and not fraud, and there is nothing the bank can do because the government insurance doesnt cover this type of scam. Each person I talked to said this happens to people every single day and yet no one is able to do anything. PLEASE HELP!
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage got sold to new company. Mr. Cooper. My payment is due on the XXXX  and like always not late after the XXXX of the month. Yet this new mortgage company calls me once or twice a day everyday starting on the first of the month until I make the payment even though it is not even late yet! I am just and tired them harassing my cell phone. Told them numerous times that what they are doing is XXXX, I am not late stop calling.
Consumer complaint received 2022-07-06
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX BANK NA ; Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-20
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX Amount : XXXX 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
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-20
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. (FL)

This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (CA)

I received several e-mails from Synchrony Bank informing me that there had been payments received on an account which I did not make. and that there had been activity on an Amazon credit account which I do not have.

I tried to contact them by e-mail and by phone but could only get an automated response which did not address the problem. I tried to contact two of the credit reporting companies which asked for my social security number via automated system. I have no Idea how to handle this problem. If some one Is using my personal information to get credit I don't know how to stop them.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lien Receivables LLC (CA)

XXXX XXXX showed up at my place of business, today XX/XX/2022 around XXXX XXXX  XXXX, for debt collection and gave the salon owner his card from Lien Receivables LLC, which is a clear violation of FDCPA.
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NC)

I took a loan for {$800.00} on XX/XX/2022. It was not explained to me that I would have to pay back over {$5000.00} to clear this debt.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX  Amount XXXX Date opened XX/XX/XXXX 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
Consumer complaint received 2022-07-05
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. (CT)

I have submitted XXXX letters to the credit bureaus XXXX XXXX, equifax, and XXXX ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.