davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Reported :XX/XX/2020 {$980.00} Needs Attention No contracts exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2023-03-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-06
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. (GA)

Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX  reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately.

I am sending the letter from XXXX  XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I placed a credit freeze on my account with Equifax after their security breach. I was identified as a victim of that breach. I tried to unfreeze that account. I'd saved my PIN and thought this would be a straight-forward process. Equifax apparently has erroneous data on me in their database. I can not login online and was instructed to call an 888 number. I did so and a machine asked me four initial questions. Then the machine said they'd need to ask two more questions. I was then asked a question in XXXX! I do NOT speak XXXX! When I finally got to speak with a human being, she kept asking about my previous credit cards and department store credit cards. I've never, to my recollection, had a department store credit card. I've had the same bank account credit card for the past 18 years. But that was apparently not the credit card she was looking at on her terminal. She asked about a personal loan and an automobile loan. I believe I may have had a personal loan with my wife in 1985, but am not quite sure. I've no idea if that was the " personal loan '' she was speaking of, but I have not had another personal loan since. Also, I haven't had an automobile loan in 14 years. I remember it was for a XXXX, but I don't remember who the dealership arranged financing with and it was paid off over a decade ago. I told her all this and then she hung up on me. This was after being on hold for 20 minutes! 

They will not let me unfreeze my account and it is all because they have bad data on me in their database! 

The settlement they reached with the federal government should have been that they closed all operations. It is a disgrace how they operate. I need to co-sign a car loan for my daughter and I am completely stuck.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Collector contacted me after XXXX on sunday XX/XX/XXXX at XXXXXXXX XXXX I received a call from Kohls XXXX regarding collection and I notified them they were calling illegally. This is the second occurrence. The prior incident occurred a week prior.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on my credit report.
Consumer complaint received 2022-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

On XX/XX/2022 I received a phone call from XXXX and the caller identified themselves as calling from XXXX XXXX and immediately tried to " confirm '' my identity by asking to state my name and address. I asked what is the nature of the call and the agent refused to tell me unless i revealed personal identifying information. I hung up and called that number back. 
A person self identified as 'customer service ' ( after I inquired 3 times ) told me his name is XXXX XXXX He said he was not allowed to provide his location. The conversation went back and forth on this issue and he often spoke over me in a threatening manner. I asked again and he said XXXX XXXX XXXX XXXX '' He refused to say what a " financial services company '' is. I said I have no relationship with XXXX XXXX at this time. He said I might have had one in the past. I said all obligations have been finished. He continued to treat me with disrespect. He would not give me the address of XXXX XXXX unless i " verified '' my identity and I refused. He would not reveal what kind of financial services company this is. 
I requested a supervisor. After five minutes on hold a XXXX XXXX took over. 
He refused to state the nature of the call and refused to say what the financial services company is. He said he could not tell me because this is a personal business financial matter. He harassed me and treated me with disrespect. He said repeatedly after I asked what a financial services company is that he could not tell me unless I verified my address and other personal identifying information. The initial call was at XXXX XXXX 
The public information on XXXX clearly shows it's a debt collector. I have a XXXX and other medical condition which these callers exacerbated. My obligations with XXXX were settled months ago.
Consumer complaint received 2022-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AE)

The name of the loan company is called Loan Care, and they are managed by XXXX XXXX XXXX XXXX XXXX. Their contact information is : XXXX XXXX de XXXX XXXX, XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Free : XXXX For over a year, attempted to update online accounts, mailing, address information and contact information. They are still receiving payments online, but their account is not accessible from where I am currently stationed, which is overseas on a XXXX XXXX in XXXX, XXXX. I even went through one of my parents back home to contact them on my behalf with a Power of Attorney, and still the problem was not resolved. I want access to view my loan statements, corrected mailing addresses and phone numbers. I plan to sell the property in 2 years, and understanding what I owe, including receiving documentation for tax purposes, is needed. I need to access my online account. Please assist in communicating to them. I only reached one number, and it was the refinancing number, which was XXXX. The person on the line did provide me my loan statement over the phone, but could not update my current phone or mailing information. He instead messaged the Loan Care customer service to send me an email. I'm still waiting on that email as of today, XXXX XX/XX/XXXX. Last correspondance was on XXXX XX/XX/XXXX to unlock my account, and another complaint sent on XX/XX/XXXX. 
Below was the original complaint to them : The tracking number assigned to your submission is XXXX. 
Please refer to this number when contacting us. 
For all updates, please email XXXX Please help, they are very problematic to work with. I'm ready to transfer this loan to another bank, it is that frustrating. How could they be so inaccessible??????? 

XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. 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 2022-03-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (SC)

I have updated information for the complaint with MANUFACTURERS TRADERS & TRUST COMPANY doing business as M & T BANK. I received correspondence threatening to seize my property using language coercing me to pay a debt I do not owe. Under the consumer credit protection laws of the Truth In Lending Act 15 USC 1635 I have the right to rescind any consumer credit transaction and pursuant to 15 USC 1641 ( c ) I have the right to rescind against any assignee of the obligation. M & T BANK received my rescission on XXXX however has refused to comply with the law and has made false statements stating that I do qualify for the right of rescission based off of the loan type which is incorrect. I have attached a copy of the correspondence from M & T BANK that made the false statements and the correspondence that threatened to take my home coercing me to pay a debt. I have also attached a copy of the law governing consumer credit protection.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (NY)

Here, XXXX XXXX of the ironically named M & T Bank " Voice of the Customer '' department has artificially added another month or more to the supposed and alleged " 120 day hold period set out in the Card Association rules '' to hold our {$20000.00} seized money, by terminating our account in writing on XX/XX/XXXX, but falsely stating that " our last transaction was sometime in XXXX, '' even though we could not even use the account because they closed it in XXXX. XXXX. Please investigate and advise, and get our money returned to us as scheduled in XX/XX/XXXX, rather than the " sometime in XX/XX/XXXX '' as they arrogantly state in their letter. It's already bad enough for us to wait 120 days to get our own money back, but to have these criminals hold it for another month or more during the Holiday season is downright evil.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I DO NOT OWE XXXX  {$320.00} OR {$180.00}. REMOVE FROM MY CREDIT REPORT. I WAS A VICTIM OF IDENTITY THEFT WHEN MY CAR WAS CARJACK
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (PA)

BARCLAYS BANK DELAWARE accounts were reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the following accounts and verify : BARCLAYS BANK DELAWARE XXXX BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I overdrafted my bank account and then the bank helped themselves to excessive fees and refused any leniency after being with their bank for nearly 6 years. The frustrating part here is the WAY it all played out. 

I had XXXX in my account and then my loan payment ( through Wells ) went through for {$100.00}, but was denied. After that, 2 unexpected charges were accepted of {$6.00} and XXXX. So then Wells Fargo charged me {$35.00} each for the overdrafts PLUS the {$35.00} for the NSF check fee. Then, on the back end with the loan, charged me an additional two {$35.00} fees for being late and having a returned check. I called into customer service to ask if anything could be done and they refused. They told me that I could " opt out '' of overdraft protection online to prevent future issues. I told them that in my time with them there was maybe one time where I asked for a fee to be reversed as a courtesy, and let them know that I was on extreme financial hardship and they still refused. I asked at the bank in person and got the same answers. 

Then I went online to unenroll and the entire process was incredibly frustrating and confusing, taking almost a half hour to complete. The website kept taking me to the ENROLL page when I would click on the unenroll button. The pages are vague and purposefully confusing to discourage people from actually unenrolling. To get to the unenroll page I had to agree to enroll first before I could then unenroll, all while being pressured with messages telling me how embarrassing it would be to have my card declined while trying to buy groceries or pay for dinner, which was insult to injury. 

And then today, after I unenrolled back at the beginning of XXXX, I have a pending charge that is over my bank account, so I feel like all the troubles I went through were for nothing.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a loan with XXXX XXXX XXXX XXXX. I paid the loan in full, earlier than the original pay-off date. I asked Transition to update my file to reflect the loan as " paid ''. Instead they deleted the entire tradeline. Clearly, no proper investigation was conducted and I lost a positive trade-in.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I applied for an apartment at XXXX XXXX Apartments in XXXX on XXXX XXXX, 2014 and had to pay XXXX dollars applications fee to run a consumer credit report to include criminal background check to check if I had any felonies. XXXX XXXX conducted the investigation utilizing information that was provided by XXXX XXXX. XXXX XXXX provided the information to the leasing office at XXXX XXXX Apartments that led to me being denied. I asked why I was denied was told that it was because of a felony on my criminal background report. I lost my XXXX and did not get the apartment. I asked for a copy of the information from the background check and discovered that the information that was reported was past the 7 years from my last criminal disposition which is a violation of XXXX XXXX ( XXXX ) ( e ) - Reporting of information prohibited No consumer reporting agency shall make any consumer report containing any of the following items of information : ( e ) Records of arrest, indictment or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years. Exception : If the salary of an individual equals or is reasonable expected to equal {$75000.00} or more, the 7-year restriction does not apply.
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2016-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.
Consumer complaint received 2016-05-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Pinnacle Financial Group, Inc. (NC)

Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results