davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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)

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (MA)

On XXXX XXXX, 2022, my landlord issued a bill for utilities. I then subsequently used Ally Bank 's online bill pay to pay for this bill. This check was scheduled to arrive by XX/XX/XXXX. However, this check did not arrive by that date. Noticing that this check did not arrive on time, I called Ally Bank. They and I both agreed on that phone call that the check was lost in the mail. As such, this first check was cancelled and re-issued to my landlord. My landlord received this reissued check on XX/XX/XXXX 2022. On XXXX XXXX, 2022, a month after its original delivery date, the original, now cancelled check, was received and cashed by my landlord. 

This cancelled check bounced, and my landlord charged me a {$35.00} bounced check. I called Ally Bank on XX/XX/XXXX22 to request they cover this fee charged by my landlord, as it is unreasonable for an online bill pay check to arrive a month after its due date. The first agent hung up on me. The second agent listened to me, and took my details down. Originally, she told me she would create a case, and give me a case number for this whole ordeal. After talking to her manager on how to continue, they gave me a portal to submit proof of this fee to. This agent said that I was all set after submitting this proof. This agent also informed me that I would not be assigned a case number for this situation. I then asked her if there was a way to obtain a case number, to make sure I could track this situation 's progress. 

After another hold, she told me gave me entirely different steps. Now on the phone for nearly 1.5 hours, she now informed me that Ally would not cover the {$35.00} fee unless I first submitted payment and sent receipt of the payment to Ally. Keep in mind, I had already at that point submitted proof of being billed {$35.00} for a bounced check. Had I not pushed for a case number at the end of the call ( which I still was not provided ), I would have never known that I needed to submit this payment upfront for reimbursement. The agent on the phone reassured multiple times I was all set, and that prepayment was not necessary, until I pushed for a case number at the very end of the call. I understand mistakes are made, but these misleading actions are incredibly unprofessional. This bait and switch process was incredibly frustrating. It is incredibly unreasonable for an online bill pay check to arrive an entire month late past its scheduled delivery date.
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (CT)

Made a XXXX payment thinking it would cover 3 months, now they say it only covered one month. No provision to defer payments to cover their mistakes. Now going to report account 30 days late to compound the situation.
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (GA)

I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, nothing.
Consumer complaint received 2019-07-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

Good morning, on XX/XX/19 we ordered the Reverse Mortgage Payoff ( deceased seller ) with the Appropriate Authorization. We received the payoff demand on XX/XX/2019. The demand expired XX/XX/19 ( only good for 7 days ) even though we stated payoff to XX/XX/19 ( We are attempting to close the Sale today and the new lender is ready  to fund ) If we do not get the UPDATED PAYOFF today ( which we ordered an UPDATED PAYOFF ) The new buyer loses their Locked Interest rate and will require a redraw of the new loan ) IF THEY CAN RELOCK THEIR LOAN. Seller 's Heirs are afraid they will lose the sale and if so, then can not payoff the reverse mortgage required When there is a death of seller ( Mortgagor ) ( 3 PEOPLE ) are quoting 10 business days from the receipt of  Attorneys payoff figures and are being steran and unmoving with Heir. The buyer purchasing the property may lose their interest lock and not be able to close. In turn SEller 's Heir would have to try to sell the property again.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (OK)

ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. This just proves your lack of proper record keeping. Now, these items are reported to be 120 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove them immediately. 

( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

disputed numerous times, requested information showing proof that the debt belonged to me and the debt collector will not send proof. this collection does not belong to me and is effecting my ability to purchase a home.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have 3 charges from ARS from different dates. None of those dated correspond with medical things I've had done. I've also had insurance consistently for the past almost 10yrs. I've tried several times to dispute the charges or get in touch with the company with nothing in return.
Consumer complaint received 2022-02-04
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: GOLDMAN SACHS BANK USA (NC)

I received an offer from XXXX offering Apple Card with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called Apple Card rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing Goldman Sachs ( processor of Apple Card ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, Apple is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The Apple card still came in the mail and didn't show as closed in their system XXXX weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and Goldman Sachs Apple card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX 's exact wording in emails received states : " Apple Card is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Received a texted on XX/XX/22 stating order placed placed for item through XXXX and {$550.00} would be auto deducted from my card. Not me to call number provided. I clicked on number to say I did not make the purchase. Number was answered by a person claiming from XXXX. Was told had other charged amounts that I said did not make as well. And was told hackers got my account information and was using unauthorized. Person had me create some XXXX  names and money transferred to them. Saying putting amounts on XXXXXXXX XXXX servers to remove hackers and assured me that I would be refunded my money. This took place XXXX. On XX/XX/22 all corresponding stopped and I realized I had been scammed. I contacted XXXX and my bank that day. My bank accounts had holds placed on them and I got new accounts. XXXXXXXX XXXX attorney for their customer protection and enforcement team responded to me saying I had been a victim of an online scheme by persons posing as XXXX employees. Her team started an investigation as well as an outside investigator XXXX uses in fraud cases. 
My bank disputed the XXXX transactions and XXXX transfers. However, the bank 's initial research determined valid transactions. Which I was tricked into making by the scammers using false representations to get people to unknowingly authorize money transfers. The total amount of multiple transfers was {$7900.00}. 
I filed a police report on XX/XX/22 as well. 
I have written and sent a letter to the bank on XX/XX/1922. Asking to reevaluate and explained more of being the victim of an online social engineering scheme/scam. As of XX/XX/XXXX, I have not heard back from bank.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIGY USA CORP. (FL)

I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX- I take auto loan out with Chase Bank for purchase of new XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  sold to XXXX XXXX for {$35000.00} XX/XX/XXXX - Chase receives check from XXXX via XXXX  XXXX ( tracking number XXXX ) for full balance of loan {$18000.00}. 
XX/XX/XXXX- Chase cashes check, XXXX confirms funds have been withdrawn from their account XX/XX/XXXX - my monthly loan payment due date passes. 
XX/XX/XXXX - my first call to Chase customer service for information and status on loan payoff processing. No resolution, Chase acknowledges receipt of loan pay-off on or about XX/XX/XXXX - 2nd call to Chase customer service with similar outcome. Chase says they are investigating what happened to funds. Loan account still active. 
XX/XX/XXXX - {$30.00} late fee applied to my loan account on or about XX/XX/XXXX - 3rd call to Chase customer service. No change, still investigating with Chase Payoff Escalation team. No eta, due date, or other details available. 
XX/XX/XXXX - 4th call to Chase customer service. Again no change in status, still investigating. Chase confirmed title for vehicle has not been released to Dealer ( XXXX ). Appears XXXX may have already sold the vehicle, waiting confirmation of sale from XXXX.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

This XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Consumer complaint received 2022-05-20
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. (SC)

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

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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)

On XX/XX/2021 and again on XX/XX/2021 I have requested from Equifax, XXXX and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  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
Consumer complaint received 2022-05-20
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX  I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

USCB America held what I believe to be a valid debt related to medical expenses. I paid the debt in full using a payment plan. Originally it was for 4 payments, but I paid it in full a couple months early with a 3rd payment. The payment amounts were for {$1300.00}, {$1300.00}, and {$2600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021. 

With each payment, I have attempted to retrieve a receipt for the transaction. With the final payment I attempted to retrieve a payoff letter. I have called more times than I can count, left voicemails twice, spoke with agents and supervisors alike, and on my most recent call I even 3-way joined in XXXX 's XXXX team. I've verified my address several times. They refuse to work over any means that leaves a paper trail, they refuse to email it, and they refuse to mail any of it with tracking information. Refusing to provide this must be illegal, right? I think it is illegal in California to refuse to furnish a receipt of any kind for a transaction when requested. No idea what federal laws exist there. 

I just want my XXXX receipts and payoff letter and maybe a nasty call from XXXX XXXX XXXX will finally do it. Short of that I am going to charge back the payments or file a lawsuit or both.
Consumer complaint received 2019-07-30
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: ALLY FINANCIAL INC. (CA)

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX
Consumer complaint received 2021-12-23
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. (TX)

XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.