davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2016 I initiated a dispute over a {$100000.00} tax lien that was withdrawn by the IRS in XXXX 2016, as well as filed with the XXXX County court a notice of withdrawal. The IRS contacted XXXX, XXXX and Equifax , and while XXXX and XXXX removed the lien from my credit report without any intervention from me, Equifax was and is still reporting it. 
When I saw Equifax still listed the lien as a public record, I filed a dispute. The response I got was that they had " verified '' the public record item was reporting correctly. Curiously, the amount of the lien suddenly became {$10000.00}, not {$10000.00}. 

When I saw there was a second dispute opened, I assumed someone at Equifax had noticed the error and they were fixing it .... but no. The second dispute 's results came back identical - that they had " verified '' the public record item and it was reporting correctly ( and still had the lien listed at {$10000.00} ). 

They clearly never even attempted to verify anything, otherwise they would see the lien was withdrawn and the documents were filed with the XXXX County court on XXXX XXXX, 2016, document # XXXX. It 's publicly accessible. 
Not only did XXXX different Equifax employees lie about " verifying '' this lien, but to be in the business they are in, basically holding people 's lives in their hands, and yet they make a careless typo like changing {$100000.00} to {$10000.00}. 
I have filed another dispute, confirmation number XXXX, and included proof that the lien was withdrawn, but I have no faith that some Equifax wo n't just push a button labeling my " verified '' again.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and 'LATE ' account.

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX, Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries are listed below 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 I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (MN)

I never went through with opening an account with Interfirst Mortgage. Now they are sending me spam email with multiple links supposedly to helpful articles. I did not click on any since I never signed up for emails with Interfirst Mortgage, nor do I have any accounts with them. 
I have attempted to block the spam and hope it will not continue.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to you to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and other federal and state consumer rights. I challenge all inaccuracies or deficiencies of reporting. Please review your data on file for me and make any necessary corrections.As you may know The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

On XX/XX/2021 I accidentally paid Best Buy, Citibank Credit, {$120.00} via a bill payer application. I call Citibank and explained the error in XXXX and again in XXXX, in addition to receiving 2 statements indicating a credit on the account. 

On both calls the representative confirmed that there was a credit on the account, and that the account was actually closed due to inactivity. They stated on both occasions that a check would be issued within 5 to 7 business days. 

It has now been over 2 months and they have yet to issue a check.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 three transactions were made on my accounts. The first one was a transfer from my saving to my checking in the amount of {$2000.00} cents to my checking, that was the entire money that I had in my saving, leaving my saving account with a balance of XXXX. On the same day a withdraw of {$1600.00} and another withdraw of {$1500.00} was made on my checking account leaving my account with {$160.00}. I called Citibank on the same evening of XX/XX/2020 to let them know that I didnt make these transactions. Citibank told me they were going to investigate and they sent me a letter telling me they are not going to refund me because the transactions were made with my debit card and pin # and since I didnt report that I lost my card, they are not responsible. My card was always in my possession and no one knows my pin # therefore I didnt have any reason to call them and let them know about my card. 
Please help me resolve this case.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MA)

I have opened a Chase checking account ending in XXXX back to XXXX XXXX XXXX. I had lost total amount {$11000.00}, my financial situation and my mental health got terribly hurt. I have tried to submit a clainm with J.P Morgan Chase, but unfortunately my cliam case got declined. 

On XXXX XXXX, XXXX, someone had hacked into my online banking, started making bill payment through online banking paying XXXX XXXX credit card since then, I had or have never received a notification message or email of someone logging in my online banking account. I also never had or have any account with XXXX XXXX. 

The payment started from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I did not receive any notification by phone/text/email either someone logged in my online banking or made credit card payments. 

Here are all the fraudulent transactions, total amount {$11000.00} : XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$470.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$350.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXXXXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX XXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$440.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$370.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$280.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$520.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$100.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$410.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$150.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$30.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$230.00} Please help me! Our family needs the money!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

The matter is reference to Lakeview Loan Care Services which holds my mortgage. I have made several attempts to discuss their incorrect, fraudulent credit reporting. They continue to report my loan as late and in default, which is INCORRECT. 
I have made over 6 months of on time mortgage payments during a pandemic. I qualified for their mortgage modification contract that required at least 3 months of on time payments and have continued to be current on my mortgage payments. 
As an example most recently they reported me late for my XX/XX/XXXX mortgage payment which I paid on time on the XXXX of XXXX. According to their online web portal and my bank statements they payments posted on time and yet they reported this payment LATE to the credit bureaus. As an example of their fraudulent practices. 
This mortgage company has been sued in the past for the exact same reasons and continue to do the same thing. This has caused damage to my credit standing. 
As a final attempt I called Lakeview Loan Care on XX/XX/XXXX and was transferred several times and on hold for hours I spoke with someone in Loss Mitigation. They admitted that the LATE credit reporting was an error on their part and promised to fix the problem by contacting the bureaus. I requested a letter or acknowledgement as proof of their good faith to resolve the problem. They absolutely refused to provide me with anything in writing. Matter of fact they kept me on hold and kept transferring me throughout different departments. They finally left me on hold until closing time and someone just hung up the phone. They have the absolute worst customer service and have no regard for their customers. They refuse to address the matter and when I call back I have to explain the entire situation to each person that presents on the phone. This shows that they are just providing lip service and do not intend to actually correct the erroneous reporting.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The following items currently listed on my consumer report, as they have been reported without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 USC 1681b ( 2 ) : 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 XXXXXXXX The information reported for these accounts is incomplete, inaccurate, and has been reported without my explicit written consent. This violates my rights under the FCRA, which clearly states that consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates ( 15 USC 1681b ( 2 ) ). 

Furthermore, the FCRA prohibits creditors from treating a payment on an account under an open-end consumer credit plan as late for any purpose ( 15 USC 1666b ). Therefore, any late payments reported for these accounts are also in violation of federal law.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

I received a call from the CBE group claiming to collect a debt that is not owed. They have my personal information. The call cam in on XXXX XXXX  on XX/XX/2021 from XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OK)

On XX/XX/XXXX, I initiated a money transfer to a bank account in XXXX, using Western Union online services. On XX/XX/XXXX, I received a request for additional information which I provided on XX/XX/XXXX. On XX/XX/XXXX, I spoke to customer service representative at Western Union and have called several times since. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I requested cancellation of the transaction and was told it can't be canceled because the money is with Western Union 's XXXX bank XXXX XXXX, which has placed a hold on money due to investigation of the transaction. I was told theyhave XXXX days in which to do something with this money. It is not legal for Western Union or their partner bank to hold money with no accountability. I XXXX that I have lost my money. At the very least, this activity is a scam by Western Union and partner bank to use my money, interest free for at least XXXX days. i want my money back. Western Union is telling me they can do nothing. This is not true. They can return my money.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was charged {$250.00} in overdraft fees on XX/XX/2021 that have no correlation to an actual overdraft. Citizens Bank reorders transactions behind the scenes in the most underhanded, cynical way possible to artificially create microsecond overdrafts and then charges you obscene fees for these artificial overdrafts it has created. All throughout the day of XX/XX/2021, my account balance was positive. And on XX/XX/2021, my account balance was also positive. But according to Citizens Bank 's 'eNotice ', there was some abstract moment of time between days where its systems reordered all my transactions with all debits first and all credits last so that it could artificially create a negative balance.

I've tried to talk to Citizens Bank customer service reps and they can't do anything. I don't fault them, they're all forced into this as part of their job and at the mercy of the computer system. But they couldn't do anything for me even though they understood my complaint.