davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-01-30
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. (IL)

I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (TX)

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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXXXXXX XXXX  associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX my workers compensation check for {$760.00} was eaten by the ATM at TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. On that day I filed a dispute claim XXXX and was told that they would get back to me. Subsequently, I called and went to the bank because no one contacted me. I was shocked when I received a letter declining my claim. I got in contact with the bank and personally inquire about this denial of my claim. On XX/XX/XXXX, spoke to a bank manager and was given the same line, that she would contact the right party and that she recalled this episode with my missing check deposit. No one got back to me and so I called, but was told that the people responsible for responding to my inquiry had not replied. Today I have yet to receive an answer to the disappearance of my check. Thank you for investigating this for me.
Consumer complaint received 2024-02-15
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: S&S Physician Services, Inc. (TX)

Please investigate Harvest Associates. The company refuses to remove an alleged debt at the amount of {$1200.00}. I have reached the 4 years statue of limitations for the state of Texas. The collector has been harassing me over an alleged owed debt that I am no longer legally responsible for and refuses to remove it. They practice illegal practices of harassment.
Consumer complaint received 2024-02-15
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I disputed inaccurate unverified information on my credit report. XXXX and Experian stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet XXXX is still stating XXXX verified the information.
Consumer complaint received 2021-05-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC (KY)

XXXX XXXX from MAC says my name has been brought up in a legal case and if I dont pay I will be in jail within 48 hours. The name he is using is my madden name I have not had for 8 years! 

This person is calling lots of family that I associate with!
Consumer complaint received 2018-01-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (NJ)

Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Credit & Finance, Inc. (GA)

i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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. (TX)

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. 

Account Name : 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  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 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 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. (NY)

This is my follow up complaint. I have noticed that an inquiry and inaccurate information persist on my credit profile. Previously, I requested that you conduct an investigation into the inquiry on my credit report to determine its authorization. I understand that your investigation has concluded and supports my assertion. Therefore, I kindly request the expungement of this lingering inquiry and inaccurate data. Additionally, I request updated copies of my credit reports devoid of these remaining items. Below are the details of the disputed items : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. It is crucial to note that these disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates suitable proof of consumer identity, an identity theft report copy, consumer identification of the disputed information, and a statement attesting that said information does not pertain to any transactions by the consumer.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed inaccurate unverified information on my credit report. Transunion and XXXX stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet Transunion is still stating XXXX verified the information.
Consumer complaint received 2024-02-15
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. (MO)

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

I purchased a brand new vehicle XX/XX/XXXX. Wells Fargo was the lender. XX/XX/XXXXXXXX  while purchasing a new vehicle and trading the XXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.
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. (TX)

In accordance with the Fair Credit Reporting act 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I closed my home in XX/XX/XXXX. On XX/XX/XXXX XXXX I received in the mail a delinquent property tax notice from XXXX County in the amount of {$1500.00} including {$31.00} in penalties. My daughter lives at the property. It was also stated on the notice that this amount must be paid by XX/XX/XXXX to avoid advertisement for lien on the property. 
I purchased the house with my daughter on XX/XX/XXXX and at that time an amount {$1600.00} for 13 months of payments at {$130.00} per month was accounted for and deducted from proceeds for payment of property taxes. Settlement statement Item : G line 3 under Other Costs. 
However, it appears the XXXX tax bill was never paid by Penny Mac from the escrow account ( in fact the money is still sitting there ) and has become delinquent.

My daughter called the mortgage company on XX/XX/XXXX and was told that the escrow company would be contacted and requested to take care of issuing the funds to XXXX County. 

My daughter called again yesterday to make sure the check was in process and spoke to XXXX but was told that the check has NOT been disbursed one week later it is still pending. The representative today also told my daughter that she would alert Escrow to get the funds dispersed ... AGAIN. 

As I do not have a record of the two phone calls, after my daughters phone call, I sent a letter as written notice of error yesterday to Penny Mac. 
I also stated that if any damages are incurred due to this error, a formal complaint will be filed with Federal and State Agencies and CFPB. 
As {$31.00} of the due amount is a penalty, I refuse to pay that part. Penny Mac should do so. 
I just checked my mortgage account online and funds have still not been disbursed.
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. (WI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX