davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (NC)

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, Equifax - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Consumer complaint received 2022-12-19
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. (MS)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-19
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. (NC)

XXXX XXXX XXXX is reporting an {$85.00} debt the falls under the fair credit reporting act and it is under {$500.00} And under the fair credit reporting act should be removed from my credit files, And XXXX XXXX XXXX has used unlawful HIPAA violation documents to validate discount in the first place this account shouldve been deleted a long time ago
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (DC)

XXXX XXXX has been calling, sending emails and text messages for different amounts ranging from $ XXXX. The calls started on XXXX-current ( last call was XX/XX/23 @ XXXX ). This company has harassed me non-stop, threatening to sue me, and put the information on my credit in which they did. The representatives have all said different amounts owed and also impersonated someone else to get me admit this is my debt.
Consumer complaint received 2022-12-19
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. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX  XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX  Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-02-11
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC (FL)

I have a commitment for a mortgage from XXXX. They also owe me {$490.00} for reimbursement of the cost of an appraisal. I have telephoned their mortgage specialist numerous times over the past nearly two months for an update on the status of the loan and reimbursement without a response on their part. It is very frustrating that neither the specialist, XXXX XXXX, or his supervisor, XXXX XXXX, are returning my calls.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

I received a 1099-B by mail on XX/XX/XXXX from Block, Inc XXXX f/k/a Square Inc ( Cash App ) as a proceeds of {$2400.00} dated XXXX which I have had no clue. The tax document bears my social security number and my address but my name is printed with a middle initial XXXX which I never use. My husband and I are both XXXX XXXX and earn from our XXXX investments. Neither of us has opened any account nor we have heard of the company like Cash App. Or Block, Inc and/or f/k/a Square Inc. Since the date of filing tax returns for XXXX was approaching, I immediately called Cash App at XXXX ( XXXX ) and lodged a verbal complaint asking to designate tax document ( 1099-B ) as an identity theft. I was asked to respond to an email sent by the customer service ( XXXX ) with an assigned case number. Since then I had communicated with several customer service representatives of Cash App without any solution. Rather, I was notified via email that Cash App does not provide any tax assistance and only communicates with law-enforcement officials. After several futile attempts via email correspondence we decided to go ahead with filing our tax return for XXXX and later deal with the incident. Since then I lodged an official complaint with identity theft ( Identitytheft.gov ) and blocked all my credit reports. In addition, I filed a formal complaint with XXXX XXXX XXXX XXXX ( law-enforcement ) on XXXX and lodged an affidavit with IRS ( form 14039 ). Since then we have been waiting for an official investigation. Inspired by the instruction on identity theft website I sent an official request via registered mail to Block inc, f/k/a Square, Cash App requesting the company to close the account declaring it as a result from an unauthorized fraudulent activity ( dated XXXX ) attaching all email correspondences and documents. Suddenly, I received an official notification of closing the case via email ( dated XXXX ). When I called I received a new case number and since then I have been waiting for a final decision. 

I feel extremely frustrated with irresponsible dealing of Cash App and request that you please take an immediate action to resolve my case, i.e, declaring the account as a result of identity theft and close the account permanently.
Consumer complaint received 2023-03-06
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX 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 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (AR)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX*Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK (GA)

After closing my account, I noticed that I had a {$210.00} credit on the balance. The bank stopped sending statements and did not automatically issue a check. I called in today and the representitive said that is not their policy and that you had to request it. This seems like theft expecially when this business arrangement revolves around paying interest on the use of money for a period of time. 

They also did not credit my account for the rewards money that I earned. They did this because they said the account was closed. My opinion was the rewards were earned and should be paid accordenly.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

In XXXX of XXXX  I reached out to Navy Federal Credit Union and spoke to Ms XXXX at XXXX Ext XXXX regarding my credit card debt that was already many years old. I wanted to seek a settlement. Ms XXXX stated that I could settle the account for {$1700.00} and that the account will report to the credit bureaus with a XXXX   balance. Today after seeing my credit reports. NFCU is reporting settled with a balance. I called Ms XXXX to ask why. She states that she never said it would report a XXXX   balance. Just that the account is settled for less than the balance owed. I took my entire available funds to clear up an old debt believing that it would clear up a debt. The debt is still there. NFCU has employees that are stating misleading information to people to collect a debt. I obviously would not have entered into an agreement if it would have been explained properly. Ms XXXX purposely danced around the explaination to make me believe it would be cleared up.
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Resources (OK)

AMR called attempting to collect on a small XXXX bill on XXXX/XXXX/15. XXXX left a message concerning " personal '' reasons. I called back and talked with XXXX XXXX ( female ) who then stated it was a debt collection and asked to verify me. She then told me my birthdate, last XXXX of my social, and an old address and asked if this is me. I stated " sure '', surprised that even if it wasnt me I could have said yes and gathered all that information given and stole my identity. I then told her it was an old address and asked what it was regarding. The collector became rude and short tempered. I asked for proof of the bill. she stated it was mailed out. I told her obviously they had the wrong address and I had given her the correct XXXX. She stated they " didnt get the mail back '' and told me she would mail a new statement out and hung up on me. I was surprised by the unprofessionalism but more importantly that she gave my information freely to anyone. If I hadnt been me, would she have asked the person to forget all that information she just gave out. I called back and spoke with a supervisor, XXXX, who apologized and stated they would pull audio recording and review and a supervisor would call back. I was called back by XXXX who stated he was a supervisor and had reviewed the audio. XXXX stated that the collector " followed the letter of the law '' concerning my privacy. That he apologized for her behavior. No laws were broken and as a matter of fact they had other bills in office for my name, my sons name, and my daughters name and now we will send you all of these so the original amount we stated was wrong. ( another violation- attempting to collect an incorrect amount for a debt ). He stated again that the letter of the law was followed by giving all the information out and asking " is this you? '' before giving out additional information. I am EXTREMELY uncomfortable with anyone having my information and giving it out so freely. Isnt this a violation of the privacy act?
Consumer complaint received 2016-05-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

My Husband and I have she 'll point mortgage as our lender ... we were switched over from XXXX XXXX..they have XXXX our loan so many times and stated we were behind on our loan ... you can never talk to a live person you leave a message and they will call you back within 48 hrs ... ... so un professionally
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (KY)

I tried to make a principal only payment in XX/XX/XXXX and was told they can not accept principal only payments outside of my autopay due date. However, if I remove autopay, my interest rate will increase as they gave me a .25 % decrease by setting up autopay. I then had a check mailed to XXXX to process. It is now showing online in my account with a payment date of XX/XX/XXXX. I then went in and tried to do a payoff and I received an error message and it tells me I have to call in to get my payoff quote ( XXXX ). I called in to XXXX and they told me they couldn't give me a payoff quote because the XXXX transaction was still processing. I then told them it was showing online and my current balance is showing {$12000.00} online. I was then put on hold and told my payoff quote is {$16000.00}, but they couldn't send it to me in writing because of the payment issue. I then told the representative my balance online showed it was {$15000.00} as of XXXX. I then asked how I could have almost {$900.00} in interest and requested how that makes sense mathematically. I was not given an explanation and was told he could not explain it to me. He then suggested I call back tomorrow to then make a payment, but I also told him waiting another day was going to be another day of interest I was going to have to pay, which is not fair to me as the consumer. He agreed but offered no other alternative. He then suggested I go back in and try to make a payment amount with a specific dollar amount. Based on my calculations, I believed today 's payoff amount would be {$12000.00} ( I added a XXXX ) so I tried to make that payment online. I got another error message stating the payment was too high and I had to call in. The customer representative then could not help me with anything and we both became frustrated. I ended the call and then tried to make a payment of the current principal balance. I got the same error message, so I called back again. The next representative suggested to remove the autopay to see if it will allow for a payment to be processed. I agreed and received the email notification it was removed. She tried to do a payment and it would not let her. I then logged back into XXXX and tried to make a payment and received the error message. XXXX is not allowing me to make another payment to payoff the loan. However, if I wait another day or XXXX ( based on their suggestions ), I will be charged extra interest.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Home received extensive storm damage resulting in a $ XXXX insurance claim. 

Received $ XXXX check from insurance company and brought it to my local chase branch on XX/XX/23. 

I contact chase several times to see where the money is as repairs have begun ( I had holes in my roof ) and receive no satisfactory response so I am forced to begin to pay for repairs to my home, that insurance has already sent payment for, that I can not access. I pay over $ 100k of my own funds to cover these repairs. 

On XXXX XXXX, 12 days after submission I receive $ XXXX. 

I then request an inspection to obtain the next portion of funds since repairs are 50 % complete and 70 % of the ( my own funds covering ) money has been spent. 

Here 's how that first inspection went. 
I request an inspection on XX/XX/XXXX, the soonest I am able to request. On XX/XX/XXXX I'm given inspection availability options. I pick the first one available on XX/XX/XXXX. I call daily after the XX/XX/XXXX inspection to get results. Nothing appears until XX/XX/XXXX when I am finally informed I failed the inspection. 

The inspector walked past $ XXXX in materials and a dozen people installing another $ XXXX on the roof. But because a single interior room that would cost {$500.00} in paint and drywall to fix was not fixed, I failed the inspection. Obviously the roof needs to be repaired prior to cosmetic fixes. 

It is now XX/XX/XXXX. Nearly 30 days after handing $ XXXX to chase that they are unreasonably denying access to. 

They have been contacted daily. I am no longer receiving responses from chase and I am not being allowed access to my insurance settlement despite having paid for much of the repair out of my own funds. 

I note chase has outsourced this function. Chase still has the duty to monitor the process. If I had not had my own funds obviously structural damage would have occurred due to their unreasonably withholding funds, which runs contrary to their supposed " interest '' int he property.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (NM)

I was sent a letter requesting payment for tolls incurred by a XXXX registered vehicle in XXXX in XXXX. I have been a XXXX resident since XXXX XXXX and have not owned a vehicle registered in Florida since them. The request letter came from a big law firm located in XXXX and XXXX ( Linebarger Goggan Blair & Sampson LLP ). It disturbs me that they can send out debt collection letters to people without having to verify any information. In the meantime it has cost me considerable time and mailing costs to respond to their request. I read of similar complaints on XXXX ( people who lived in other states, some that do not even drive ). I did verify that the state turned over the debts to this law firm. Disappointing to see a law firm not verifying ownership before sending out their letters requesting payment.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (MS)

I did not and have not ever requested this account and did not receive anything for charges reported. I simply inquired about the terms never accepted any product nor payment plan because I could not agree to terms rendered. I have notified creditors and was informed they would take care of there mistake not worry and then they did nothing and placed in collections on my credit report. I was told to call person whom property I inquired about to make sure they cancelled the rental which I never agreed to rent they canceled I received an email from and did forward to affirm which is company causing me harm. No corporation whats so ever in this matter. No I repeat I did not in any way agree to any contract with either party.