davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I have a XXXX XXXX Visa Card by Citi.

I overpaid my account and had a credit on that account that rolled over to the next month.

Citi did not apply that credit to offset my new charges. Rather than subtracting the credit from my charges, they actually ADDED it to those charges, and the total appeared on my statement as " purchases. '' The amount of my " purchases '' was therefore greater than the total of the items I had actually purchased by the amount of the credit. 

When I spoke to a representative about this, she eventually admitted that yes they did add that carryover credit to my debits, but said then that they deducted the credit from the total. So then we were back to the actual value of my purchases. That would be ok, except that she claimed that the carryover credit had been applied to my balance. 

Finally she agreed to mail me the credit, but it is clear that if I had not demanded that, Citi was not going to give me back the credit, but they were going to give me the impression that they had applied it to my account.

File " citi XXXX '' shows total purchases of {$170.00}. 
File " citi XXXX  '' shows that purchases of {$170.00} was added to the credit of {$160.00} to create the new " purchases '' figure on a different page of {$340.00}. Then the {$160.00} credit was applied to that total to bring the " new balance '' down to {$170.00}.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (HI)

Previously I filed a complaint, # XXXX on XX/XX/XXXX. I thought my complaint was resolved when the company Felix Patenaude sent a letter stating they will no longer contact me at ( XXXX ) XXXX to inquire about a XXXX XXXX XXXX. Today, I received another phone call from Felix Patenaude inquiring about a XXXX XXXX XXXX. I spoke with XXXX XXXX and told her again that there is no XXXX XXXX at this number. I also told her that in XX/XX/XXXX I received a letter from her company stating they would not call me after I filed a complaint with CFPB. She hung up the phone on me. I would like CFPB to penalize Felix Patenaude for violating the Fair Debt Collection Practices Act ( FDCPA ). Prior to my complaint with CFPB, I called Felix Patenaude twice to inform they not to call my phone number and informing them that I do not know nor related to the XXXX XXXX XXXX. 
I called the person that signed the letter from Felix Patenaude and this person 's extension does not work, extension XXXX. I was later transferred to XXXX XXXX said she will again put a do not call on the file. This is not my debt however they keep calling me to ask the same questions about a XXXX XXXX XXXX. 
This collection all started about 2 years ago when XXXX XXXX collection agency call me about a XXXX XXXX XXXX from XXXX, AZ. I told them there was no XXXX XXXX XXXX at this number and not to call again. The person at XXXX XXXX did not like my answers to her so she tells me, " they will get me another way ''. Six months later I receive a phone call from Felix Patenaude, again asking for XXXX XXXX XXXX. 
I explained to all the collection agencies that the XXXX ( no middle initial )  XXXX I know is my father-in-law. I passed away in XX/XX/XXXX, over 18 years ago and my father-in-law has never lived outside Hawaii. This is not his debt. 
These collection agency constantly call me and harass me about XXXX XXXX XXXX because a " XXXX '' search states some how connected to me or my husband. Both my husband and I do not know this XXXX XXXX XXXX nor have anything to do with him.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (AK)

Closed my account in XXXX XXXXXXXX XXXX of Key bank with branch manager, recieved statements contrary to facts and corporate claimed a charge off. 
As per rules 15 USC 169 ( e ) 1681 ( n ) 1692 ( k ) 1692 ( j ) furnishing deceptive forms FCRA rules 604 ( a ) ( 3 ) A5 ( b ) ( 2 ). These violations require {$1000.00} dollar fines Also 15 USC 1681 section 602 states I have the right to privacy 1561 604 ( a ) no written consent
Consumer complaint received 2021-07-27
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: Conn's, Inc. (TX)

This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-27
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. (FL)

I was turned down by XXXX XXXX XXXX and Equifax information was the reason. 

When I went online to pull my credit, Equifax would only show me an XX/XX/2021 and would not give me a current one. 

The telephone representative said she could not get me a current report and did not know what she was doing. 

Have them email it to me at XXXX XXXX
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Several months ago, Flagstar Bank told me I didn't provide my fire insurance for my home mortgage. Actually my insurance agent did send the insurance proof to them several times on time, and also explained that the house is a duplex and there are 2 insurances which both have been provided to Flagstar Bank. Eventually Flagstar admitted it's their problem and said it has been resolved. But they bought an extra insurance anyway and let me pay the extra escrow ( insurance ) cost. 

I pay the mortgage every month on time. But now I got a collecting call from them saying I missed the payment -- that's caused by the extra insurance they bought for me which they promised to correct. 

Now they threat to report a negative credit on me and foreclosure because of the mistake they made. 

This issue lasts for several months. And by the way, the insurance issue showing up every year -- they keep saying I miss the insurance every year which absolutely not the case.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I want to speak XXXX customer center just ask general question by phone on XX/XX/2021. I XXXX  and found url ( https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The website almost same as real provides custmer number and provided was XXXX. I found this site was imposter after money taken. 

I called XXXX XXXX and seem like real because it was toll free number. They answered as XXXX and ask me to name, address. They told me that they need to refund me some money so they want me to send money first so verify thats my account. They ask me to also download XXXX XXXX ' that they can control my computer I learned after. I downloaded and they want to me to money XXXX to verify my account to refund money. They ask me to send XXXX XXXX by XXXX I didn't make transacthon After I find out that transaction made same ip address bc they could manage my computer by 'XXXX XXXX ' I found after ask tech people. 

I hung up phone when i felt wired. I called chase representative and XXXX transaction made now and pending told me I immidiately ask to cancel and kept me waiting and status was long pending. Chase representative couldnt cancel transaction even I called immediately even status was long pending. 

after I claim to bank this, bank can not help and really need to help this to protect from happening occur by serious scam.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (OH)

I made a payment on XXXX for {$60.00} and they fraudulently withdrew another {$60.00} on XXXX, bouncing my checking account. This is the second time they've done this.
Consumer complaint received 2019-04-24
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. (IL)

XXXX is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Kikoff Inc. (MA)

hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

In XX/XX/XXXX I received an auto loan to purchase a XXXX XXXX XXXX with Ally financial. The car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif Ally had dismissed the case. I do have a notice of dismissal from New York State. Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact Ally 's legal department and I have gotten nowhere.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (FL)

This is my second complaint again CarMax Auto Finance. I sent them an affidavit of truth on Friday XXXX XXXX with 5 Federal violations according to the Fair Debt Collection Practice Act 15USC1692 against me the consumer. They responded by saying with the contract that I signed and my payment history. According to CarMax Auto Finance, my contract is a legal document which makes my debt valid. I also asked for a letter stating who the original creditor is and they havent sent yet. I have written them another affidavit of truth with 11 federal violations acceding to the Fair Debt Collection Practice Act. Along with a new invoice for all the new violations and a copy of my old invoice.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

XX/XX/2020, account was closed it was a joint account that i had for a minor. My daughter is now XXXX and I ask for my name to be taken off the account. But my name was not taken off the account. Checks were written not by me and I am being penalized.
Consumer complaint received 2021-09-13
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. (OH)

I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported. 
It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders. 

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once. 

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws. 

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting. 

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from Equfax it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against XXXX, Equifax and XXXX XXXX.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, Equifax, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2021-09-13
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-13
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: Embassy Loans (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-03-15
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)

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, XXXX and Equifax answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

As I have stated over five or more disputes, XXXX XXXX does not have the correct dollar amounts shown on my credit report. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please remove XXXX XXXX from all three credit bureau reports for the reason of inaccurate reporting. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.
Consumer complaint received 2021-09-13
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. (FL)

On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX 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 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. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-17
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. (GA)

On XX/XX/XXXX and XX/XX/2018, I started an investigation confirmation XXXX and XXXX regarding Bankruptcy 's listed on my credit report. Equifax notified me by mail and closed the investigation on XX/XX/2018 and XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

On XX/XX/2018 I faxed over a letter to Equifax that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX and are now saying it will be completed on XX/XX/2018. 

Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
Consumer complaint received 2021-07-27
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. (NY)

Good day, thank you for taking the time to solve my complaint. 

On XX/XX/21 I sent a letter inquiring about incorrect and unknown events on my credit report. As i am writing this more than 60 days later, I have not been contacted or received a response. This is extremely frustrating because I have went through the proper channels to report this error in hopes of fixing it but that has failed me. My disputes are being ignored which is intolerable now at this post 60 days mark. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it will soon be almost 90 days to the date of my letter submissions so I am begging that these be deleted immediately. This is having a negative effect on my quest for a new home for me and my children. These accounts need to be promptly deleted or I will immediately file for litigation due to the emotional toll and stress this has caused me and my family during our new home search. I have also been informed that my information was impacted by the Equifax data breach and could be in the hands of the wrong person which is where the unwanted reports on my credit file came from.