davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: The Savings Group, Inc. (CT)

I initially reached out to RateGenius for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with RateGenius, the new company working with RateGenius is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
Consumer complaint received 2022-10-30
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. (NJ)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My actual complaint is about EQUIFAX, Inc.. I had a public record - bankruptcy recently removed from my credit report between XX/XX/XXXX and XX/XX/2022. When I reviewed my credit report it showed that my score DECREASED by XXXX points instead of Increasing, due to a public record being removed. I contacted Equifax and the only thing they said is that I dont have any public records showing and my score must've decreased for another reason. First of all I am utterly shocked at the stupidity and ignorance of the representatives Equifax has hired to be over such a highly rated scoring system, a system that can make or break you. And they were totally oblivious and of NO HELP AT ALL. I need to have this researched and rectified. I have copies of the Equifax report that shows the score changes and the remarks. I am currently trying to purchase a home and do not need my score sabotaged by Equifax and their faulty scoring system. Thank you in advance!
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX, I started a request to transfer all assets in my XXXX IRA account ending XXXX with Ally Invest to XXXX. 
On XX/XX/XXXX, most of assets were transferred except one mutual fund, XXXX, valued {$5600.00}, are still remaining with Ally Invest. Even more surprisingly, that XXXX IRA account has been marked as " CLOSED ''. 
Since then, I called Ally Invest twice on XX/XX/XXXX and XXXX. The representatives said they would file an inquiry but until now, nothing has happened. Those securities of mine are still kept in a " closed '' account in Ally Invest, and I do not have a way to access them.
Consumer complaint received 2022-10-06
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. (AL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX FAX : XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT ; PLEASE XXXX XXXX PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update. So I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Consumer complaint received 2022-10-06
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: GOLDMAN SACHS BANK USA (VA)

On going disputes with GM Card Marcus by Goldman Sachs since XXXX of 2022 because of fraudulent charges for {$290.00}. I have contacted XXXX with XXXX. I have documents that has a females name and a foreign email address.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

My Equifax credit score dropped 40 points and I m in the middle of refinancing.I have a equity line with XXXX bank and I have paid them since I took it out.For the month of XXXX and XXXX it was paid past the due date however I did talk to XXXX XXXX First Vice President, Loss Mitigation Lending Compliance NMLS ID # XXXX and let him know there was some financial issues I was going through.I understand about the recent payments but i have done my very best to have it current despite the pandemic cutting our income by half.I talked to XXXX bank about it.I haven't even elected to defer or skip mortgages and paying every month.I need XXXX bank to send Equifax information showing that the payment is paid and the account is in current status otherwise I will not be able to refinance because of the derogatory remarks.I contacted them directly and no one even knew what I was talking about instead I got a statement from XXXX XXXXVice President, Branch Manager Direct XXXX showing a payment history.This account has been open since XX/XX/2017. 
Im not past due, I havent failed to pay a single payment, Im not in default I dont understand.I have contacted Equifax they need that information from hills bank showing its current for them to update the score.
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2017-10-10
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. (IL)

I 've asked Equifax several times to remove a XXXX XXXX / XXXX from XX/2012 from my credit reporting it has been paid and reads {$0.00} balance. They keep telling me it 's up to XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CBK, Inc. (MI)

In 2017, Collection Bureau of Kansas unlawfully created an alleged collection account as a result of an unlawful county court matter. Though this account is legally uncollectable, it still remains open, with the most immediate remedy to pay the debt. This affiant has attempted to make payment to release the matter from the XXXX XXXX Kansas District Court, so that a notice of compliance could be granted by the court. Debt collector XXXX XXXX was contacted by my financial and legal advisor via email to make an amicable settlement to pay off the alleged debt, however XXXX immediately became hostile, unprofessional and accusatory toward my advisor stating he misrepresented himself as an attorney. My adviser instructed me to make direct contact with XXXX, who has refused to respond in any form. This affiant then attempted to make contact with principal attorney and owner of the agency XXXX XXXX, who also has chosen not to respond to arrange a settlement. On information and belief, XXXX and XXXX are retaliating to prevent a successful payoff to restore Affiant 's motor vehicle record through the court. Affiant believes this is deliberate and intentional to prevent remedy. Affiant is preparing a civil suit agains Collection Bureau of Kansas to compel them to comply or have declared by the court null and void. Affiant is making this complaint to force compliance.
Consumer complaint received 2022-10-06
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)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Late 120 Days XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX is attempting to collect {$240.00} from me for taxes and duties on a package that I returned to sender. I have attempted to contact them several times and explained that I do not owe them any money, but they do not return any of my communications. Now they have sent a debt collector to force me to pay this amount. I do not owe them a penny.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OR)

On Friday, XX/XX/XXXX, I attempted to log into my online US Bank account. However, I had changed my password a couple weeks back and my browser incorrectly saved the updated passcode so I mistakenly used a previous password. After XXXX attempts at logging in, I requested a new password. However, after going through XXXX authentication and in creating a new password, I was then presented with an error message when attempting to re-log in with the new password. 

I contacted US Bank customer support almost immediately and, after speaking to an agent, I was directed to the company 's fraud response department. However, the agent I was directed to was not available and I was presented with her voice mail. 

I made several subsequent attempts to contact US Bank 's fraud response department and, each time, I would speak to an initial agent, then be referred to another agent, only to then be directed to a voice mail. Each time I was directed to a voice mail, I provided my name, phone number and account number as requested. 

On XX/XX/XXXX, at approximately XXXX XXXX PST, after calling US Bank once again, I was informed that an agent named " XXXX '' with the fraud response department was the only individual who was able to remove the hold on my account. The agent who informed me of this provided me with XXXX 's direct phone number, along with forwarding me to her. Again, I was directed to her voice mail. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, I called XXXX 's direct line. I was again directed to her voice mail. 

XXXX, nor any other US Bank agent, has made a subsequent attempt to contact me directly despite providing them with my contact information and a description of the issue I have been experiencing.
Consumer complaint received 2022-10-06
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. (OH)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX Account # 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 2022-10-06
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX have 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 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roach & Murtha, P.C. (NY)

I Received a Letter from Roach & Murtha Attorney AT law PC. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor XXXX XXXX XXXX. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

As of XX/XX/XXXX or {$260000.00} of a {$340000.00} original home value or XXXX % XXXX of original home value ( referred to as XXXX hereafter ) ), I am currently getting assessed PMI despite several requests to remove and WF changing the target XXXX multiple times due to " XXXX XXXX policies that they can not assist with ''. 

Around XX/XX/XXXX, I was reassured that my PMI would be cancelled effective XX/XX/XXXX payment and the bill that had dropped confirmed that, coupled with issuing a check for XXXX PMI payment that was billed in contradiction of the letter I received ( advising I must meet a XXXX % XXXX to remove PMI ). On XX/XX/XXXX, my bill was re-invoiced and had PMI assessed for which I paid on XXXX. 

The paperwork, verbal discussions continue to contradict the respective communications and now it appears the system overrides and assesses PMI in spite of meeting al PMI requirements. 

Please note the home was purchased XXXX years ago and is well below the XXXX  % PMI that was agreed to in the original contracts, the subsequent targets of XXXX  % XXXX XXXX and all new home appraisals are required to be funded by homeowner with no new appraisal from PMI company ( XXXX XXXX ) or servicing company ( Wells Fargo ). 

This is the same issue that the other CFPB complaint under my profile is about. It has not resolved.
Consumer complaint received 2016-12-25
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NC)

I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ECMC GROUP, INC. (IN)

I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.
Consumer complaint received 2022-10-06
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.