davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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)

XXXX acct was opened on XXXX XXXX and was closed on XX/XX/2017. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX XXXX XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.
Consumer complaint received 2020-12-08
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: Westlake Services, LLC (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, WESTLAKE SERVICE INC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

On XX/XX/2019, I received a letter from a collection agency ( ERC ) stating that I owe XXXX XXXX {$700.00} ( account XXXX reference number XXXX ). I called the 1800 number provided in the letter to inquire about what this debt was in reference to. I spoke to one of your representatives in XXXX and advised him that this is not my debt that I have never opened an account with XXXX XXXX. The representative asked if I knew a XXXX XXXX who lived in XXXX XXXX XXXX, Tx XXXX. I stated that I do not know any XXXX XXXX nor I have I ever lived in Texas and that I have never authorized anyone to open any account under my name. This is obvious a fraud or a mistake. 
I am disputing these charges/debt to be a mistake or Fraud. 

On XX/XX/2019 I wrote ERC the following letter : ERC XXXX. XXXX XXXX XXXX, Fl. XXXX XX/XX/2019 XXXX XXXX Re : XXXX Account Number : XXXX Amount {$700.00} To Whom It May Concern : I am writing this letter in response to the letter received from you on XX/XX/2019. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thanking you, On XX/XX/2019, ERC responded via mail with a letter and a copy of a signed " Digital Home Advantage Plan Agreement '' with the customers phone number, email address, Home address, city and State including the date. I have never been to Texas nor I have ever seen or signed that document. Never had that particular email address, home address nor phone number. I have obviously been a victim of FRAUD.
Consumer complaint received 2021-03-26
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. (OH)

I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (FL)

LexisNexis has duplicate information on the report. 

They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. 

For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. 

I had to get SBA Loan to cover the difference which I am still paying. 

the criteria that LexisNexis provided was 1 ) XXXX  - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 
2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 
3 ) XXXX  - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I found out that my Chase bank account ( opened in XXXX Florida ) balance information ( for several accounts ) was viewed by a Chase employee in a branch on XXXX XXXX XXXX on XX/XX/2018. This person had no reason to be in my account. I believe my account was viewed at the request of my ex sister in law who lives a few miles from the branch and used to work at Chase many years ago and most likely still has contacts there. I believe that the balance information was provided to my ex husband. Chase provided the name of the employee who viewed my account and started an internal investigation at my request. A few days later Chase let me know that they will be using internal resources to investigate but will not be providing me with any further information relative to my complaint. I asked what was being done about the breach to my privacy and my security and they kept telling me that they are investigating and that privacy laws preclude them from giving me further information. I'm not sure if any laws were broken but, instead of working with me to find out exactly what happened and  assuring me that my accounts are secure, Chase circled their wagons to protect themselves. I have been violated and the violation will likely result in my ex husband using the information provided to him in deciding how much support to provide to his children. Someone is, or multiple persons are, responsible for violating my security and privacy and I want to pursue whatever avenues are available to me.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Equifax had my old address, which I then initiated to change on XX/XX/XXXX. I then get an email from Equifax saying that it was resolved onXX/XX/XXXX. However, they changed my address incorrectly, but I do n't even know what they changed it too. Whenever I now try to initiate them to relook at it, they can not look me up in their system because the address i give them does not match their records -- but i do n't know what it is. I have no way of knowing what they put in place so now I am stuck. I am trying to get a home loan from my bank and the bank can not access my credit score because of this XXXX issue. It is very frustrating and now I am stuck in an endless loop -- i have to guess what they actually put in as my address but i have literally have no way of knowing. I only have a confirmation code, which is XXXX. Why is n't this enough to locate me???
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have been a Citibank Diamond Preferred Card member since XXXX Recently noticed a monthly charge of {$48.00} for " Payment Safeguard '' on my card and called. 
I was told it is for disaster assistance and it has been charged to my account since XXXX. 
I told them I do not have any recollection of agreeing to the charge and asked if they can prove it to me. 
They claim it may be that I signed a flyer. 
I never signed anything nor did I agree to anything by phone. 
I asked for proof of the flyer, but nothing yet.
Consumer complaint received 2015-08-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our XXXX )
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NC)

Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to XXXX and Equifax. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both XXXX and Equifax making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, XXXX, or Equifax after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX and Equifax on 2 separate occasions. 
1st and 2nd letters to XXXX and Equifax were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLIANT CREDIT UNION (CA)

I have a checking account with Alliant Credit Union. I issued a payment through their bill pay service on XX/XX/2019. The payment was sent via mail as a paper cheque and funds were immediately withdrawn from my account. The check was cashed by Alliant on XX/XX/2019. However the vendor claims to have never received or cashed the cheque. Investigation shows that the cashed cheque image has no banking stamps/information, nor was the cheque endorsed. 

I subsequently met with the vendor to pay in person ( so I ended up paying twice ). I asked Alliant to  credit my account for the fraudulently cashed cheque on XX/XX/2019. They refused. I asked Alliant to  investigate the fraudulently cashed cheque on XX/XX/2019. They refused to begin an investigation until I provided a notarized signed affidavit. I provided a notarized signed affidavit ( their form ) at my own expense on XX/XX/2019. 

On XX/XX/2019 Alliant contacted me demanding another signed notarized affidavit from the vendor claiming to not have received the initial cheque. Allliant provided no affidavit form this time. Simply demanding one to proceed. On XX/XX/2019 I spoke with an Alliant representative. Alliant refused to proceed without this affidavit. I can not force the vendor to provide this affidavit. I am not the vendor. I have no power over the vendor. Alliant understands that I have no way of forcing the vender to provide such an affidavit but refuses to proceed with any investigation or return the funds.

It appears to me that Alliant failed to perform due diligence when cashing an unendorsed stolen cheque. They will not return the fraudulently obtained funds. Nor will they investigate the matter further. I'm not sure what else to do to get my funds back.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 a method of verification letters were sent to both Equifax and XXXX. Equifax has failed to even respond and XXXX replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NV)

I got contacted by XXXX by an unsolicited phone call and they offered online services and they never fulfill with their end of the deal. They took a total of {$3500.00} from me which {$1900.00} I paid with my Sears Master Card Citibank. According to master card 's dispute manual I should be eligible for dispute with codes XXXX and XXXX and also have a good faith investigation. Which I am not having it and I am very upset with my credit card company. I am attaching a letter from the Attorney General which proves that they acknowledge that I am entitled to {$5200.00}. Hopefully you can help me with that.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (UT)

I found out about about my savings account my grandmother had opened for me back in the early XXXX 's in XXXX. The account had originally had been opened at " XXXX XXXX Bank '' in XXXX, Oregon. XXXX XXXX XXXX XXXX Oregon had closed after she had opened it and all their accounts had been transferred to Wells Fargo of XXXX Oregon. My grandmother and I both went into the branch " WELLS FARGO '' in XXXX, Oregon. Sat down with a banker and was informed that my account was nonexistent. At the same time was told that my grandmother had never had a account with them at all, witch wasn't true. I have statements from Wells Fargo for other accounts my grandmother had with my grandfather. I've also went into " XXXX XXXX '' in XXXX, Oregon and they have no record of my account. I've called both branches I don't know how many times now and just today was informed to call " FTC '' and " CFPB ''. I have phone conversations with Wells Fargo recorded where they basically said I was screwed about my account and money that it had been to long and that money had to be in the pot of money that all states have when money goes unclaimed and also that my account had probably been closed due to no activity in the account. Well i thought that it being a savings account their was activity because of the interest going into the account. Well I checked with Oregon and my name wasn't there. So where is my money then? 
I also have another complaint about Wells Fargo. I was informed by Wells Fargo the other day that I had a account opened in XX/XX/XXXX and closed the following day, XX/XX/XXXX. This account was opened without my consent or knowledge. I am very unhappy with Wells Fargo and how they have dropped the ball with not just myself but with my family.
Consumer complaint received 2021-02-25
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: LEXISNEXIS (GA)

Upon bureau investigation I was notified that Lexis Nexis is reported information that I did not authorize. I contacted the court who also stated that they do not provide this information to any credit reporting agencies. I am enclosing a letter from the courthouse.
Consumer complaint received 2017-01-14
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is XXXX XXXX