davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-06
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. (VA)

I have disputed an item on my Equifax credit report several times. It is a fraud account for XXXX XXXX XXXX for an address i never lived at. I have faxed to Equifax the FTC report along with my Id 3 times in the last month and they always advise the pages are blank. XXXX XXXX account has been removed from XXXX  and XXXX but Equifax still has it listed. I have called Equifax and XXXX XXXX XXXX  several times in the last 4 months and nothing has got done about deleting the file from my report. The account was opened XX/XX/2018 and has a balance of {$350.00} due. My address is XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX where i have lived for over 20 years, the address that is on file for the XXXX  XXXX is XXXX XXXX XXXX XXXX Va XXXX.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (OH)

I opened an account with ally bank, sent deposit slip and XXXX check that clearly said us. Dollars printed not written. At first they claimed not to have received it then e mailed they have it but they dont cash foreign currency, I told them it clearly says American dollars they said to look for it in the mail, they lost it I am now out XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX payment sent to coltgunstore.com for order to send to XXXX  .XXXX  payment sent from TD Bank Checking Acct. to via XXXX on XX/XX/XXXX. 

To : XXXX XXXX ( Colt Store ) at XXXX From : TD Bank, Personal Checking, XXXX Sent : Sunday, XX/XX/XXXX Deposited : Sunday, XX/XX/XXXX Speed : Within Minutes Reason : Order XXXX. XXXX  XXXX  ( XXXX ) XXXX {$890.00} Payment ID : XXXX
Consumer complaint received 2020-08-06
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: CITIBANK, N.A. (FL)

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND CITI bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports CITI BANK {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

I have had a Chase Freedom Credit card since XX/XX/1999. Approximately seven ( 7 ) or eight ( 8 ) years ago, my wife was in an accident and is now XXXX  XXXX. At the time of the accident I had difficulty with some bills and did have 2 or more late payments on the credit card account. In accordance with the terms of the account, my interest rate was raised to the " penalty '' rate of 29 %. This was expected and I accept that. 
My problem is that once you are in that " penalty '' catagory, they never reduce it. I have been on time with all of the credit card payments for over six ( 6 ) years and I'm still paying 29 % interest! 
It is like debtors prison. I have called and tried to get the rate lowered but they say my credit is evaluated every six months and they wont lower the rate based on my overall credit history, including utilization. I had to short sell my house and had some late mortgage payments prior to that but why should that affect the interest rate on my credit card? My card is still at maximum BECAUSE they are charging 29 % interest! I believe because I had a Chase mortgage when I short sold my home, they are trying to make extra money from me any way they can. 
I make at least the minimum payment, on time but it doesn't seem to matter.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX  XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

After sending 2 certified letters requesting the original purchase agreement bearing my signature, I have yet to receive it. A printout with my name on it from any computer is not validation of any debt. The Bureaus Inc. stated that I opened accounts with stores I would never even shop at back in 2016 and still do not shop at today. At XXXX XXXX XXXX, I was not even thinking about credit due to focusing on my studies. As stated previously, I've never owned a credit card! 

Additionally, after looking up the license for the Bureaus Inc. they can not legally collect on anything in the state of New Jersey because they don't have a license to do so. I wish for them to stop harassing me and remove the negative information off of my credit report because I have never had any credit cards!
Consumer complaint received 2020-08-06
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. (CA)

I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are 7 years old and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have only 2 open credit card on my account a XXXX XXXX XXXX and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXX finance they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX card I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Consumer complaint received 2022-08-02
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. (LA)

In accordance with the Fair Credit Reporting Act the following companies are violating my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. I DID NOT give any of these companies permission to furnish these to any consumer reporting agency.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am experiencing great difficulty in getting Equifax to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Equifax that my information has been compromised to obtain a XXXX Credit Card which is currently in default. I have provided Equifax with a copy of the FTC report, my current lease ( I have resided here since XX/XX/2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have this fraudulent account removed from my credit report. 

In speaking with an Equifax Supervisor today named XXXX, she informed me that the account was not removed because XXXX XXXX XXXX was able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Equifax has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Equifax ) which would explain why it was so easy for this fraudulent account to be opened as well as XXXX to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Equifax as evidence that the XXXX credit account is correct. This verification has been requested several times and Equifax has failed to provide it which is against the law. 

As such, I am demanding that the following account listed below be immediately removed from my Equifax credit report. 

XXXX XX/XX/XXXXXXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried for 3 months to pay a bill. I sign in with my email and I get a different credit card # and balance. I have reached out to Kohls by email, live chat and by calling customer service. The first time the rep said they fixed it so I could go online and pay my bill. This last time I called 3 times requesting to speak with a supervisor. Each time I am xfered to a voice mail XXXX XXXX, at home I am at my wits end. The reps speak broken XXXX and do not understand what is wrong and a supervisor is not an option. What can I do to get this fixed if I can not speak to someone at kohls credit?
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (LA)

Good afternoon, my name is XXXX XXXX. I have read there is a debt settlement against Wells Fargo for any auto that was repossessed between XXXX and XXXX. My vehicle was repossessed on XX/XX/XXXX. I also read I may be due a refund for full gap coverage that was paid and not refunded to me along with illegal fees added. My acct number with wells Fargo was XXXX. The rep I spoke to today ( XXXX XXXX told me he was not aware of what monies I may be due with the settlement that is currently going on. What I read, I may be due a refund of up to {$4000.00}, but not limited to that amount. My address at the time of the repossession was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La. XXXX. Can someone please contact me at XXXX once Wells Fargo has been contacted to discuss monies, I may be due. 
Thanks, XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (PA)

Since XX/XX/2011 I started my payment plan. Please see attachment from XX/XX/2011 payment for {$150.00}. 
I would like to dispute and get refund because my financial account have been charged off and closed so it was already too late but the debt agency still accept and collect funds when the account was closed. And it was too late the financial institutions is still saying Im suppose to pay by XX/XX/2011. But the agency still told me I could reopen the closed account and I could start the payment plan but it was not true.
Consumer complaint received 2018-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

Thanks
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

First of all, our story is like many stories around USA. We were hit by Hurricane Irma last year in Florida. Mr. Cooper is the servicer of our loan. We were offered help if we needed. We spoke with their representative and they allowed us to stop mortgage payments for 3 months. At the end of this period, I called them to start making payments, They advised us that we needed to apply for a disaster modification so these 3 months could go to the back of the loan. I asked them if I could make payments and they said to wait for the process. All the time, I told them that I had a previous HAMP modification and that I did not want to loose it. They affirmed that this was the way to go. This process took more than a year with a higher interest rate and payments ( around {$400.00} more monthly ). We feel that we were mislead. They gave us a mortgage 40 % more of out income. We are making the payments but it has been hard. But we can not loose our home. 
We feel that it was kind of bait and switch- They offered help and then took out our HAMP. Today, I have the interest rate that I would had have in 2020. I really disappointed.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a Best Buy Credit card.

2. Best Buy used fake information provided by XXXX  to deny me credit.

3. XXXX  will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation.

4. XXXX  appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. Best Buy states that I was denied credit base on my XXXX XXXX XXXX ratio. Since my debt vs. income is very good, this is an impossibility.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB Team, thank you for listening.

By way of introduction, I have Bank of America ( BOfA ) relationship across Mortgage, Platinum Honors Savings, Credit Card and Auto Loan.

I have been a mortgage customer of BOfA since XXXX, which was subsequently refinanced by the same bank in XXXX. As part of IRS Tax process, I was required to submit form 1098 for the initial mortgage account, which was closed in XXXX. 

On XX/XX/XXXX, when logging into the Bank of America, I could not access the older mortgage account, and it is therefore I had a call with BOfA Customer Service team, who first responded that bank can not issue statements for older accounts that are closed. Later I was advised that I have to wait for XXXX business to receive the documentation. This was after spending XXXX minutes on a call. Alternatively, I was suggested to visit the branch to explore the possibility to receive the documentation. 

When I visited the branch, BOfA branch team members initially expressed lack of system access to process the form 1098. After much escalation, I was put in touch with Branch executive who after 40 minutes, was able to share the document. 

I am expressing my sincere disappointment in having to 1/ Not have online access to documentation, 2/ Lack of clear guidance from BOfA Customer Support , and 3/ Having to visit branch and go thru the hardship to get a simple documentation that pertains to my mortgage account.

Having to pay substantial mortgage interest rates and holding significant investments, I expect BOfA to provide at least basis services in a timely fashion and with ease. Which unfortunately is not the case. 

Thank you for your time and consideration. 
Warm Regards.
Consumer complaint received 2022-10-25
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: CAINE & WEINER COMPANY, INC. (NJ)

XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON M CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO THE REAUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO MY TRANSACTION BY ME AS THE CONSUMER. 

( 1 ) CAINE & WEINER XX/XX/2021 ( 2 ) XXXX XXXX XXXX XXXX : YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANACTION FROM BEING REPORTED TO MY CONSUMER REPORT WITH IN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU
Consumer complaint received 2022-08-02
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. (CA)

I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.