davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I had a credit card account with XXXX  until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OR)

Terms of the Key Banking checking account is that there is a $ 7 monthly maintenance fee if {$500.00} in deposits are not made. In XX/XX/XXXX, two deposits totaling {$500.00} ( {$250.00} each ) were made to the account but the {$7.00} fee was charged because the days of the month and statement dates did not line up exactly. Contacted Key Bank about this issue XX/XX/XXXX and they agreed it was an error due to the dates but said could not correct due to being " too old ''.
Consumer complaint received 2022-10-11
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX  XXXX XXXX
Consumer complaint received 2021-01-05
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. (GA)

I received a response from XXXX  ( XX/XX/XXXX ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before XXXX  stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could XXXX have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And Equifax is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

Lost my home to hurricane Florence in XX/XX/XXXX. at that time was with XXXX mortgage. unknowingly my mortgage was sold to XXXX XXXX XXXX. to which i was never contacted about and i have been trying to get my money to fix my house from them. So after wasting my time filing claims with XXXX for several months I find out through them that my mortgage has been sold to Flagstar. Flagstar claimed all i needed was a final inspection to receive 95-100 % of my money gave me an inspectors number to contact 2.5 weeks ago and person never got back to me or my contractor to set up appointment. after numerous calls ( at least 10+ ) by myself & inspector to Flagstar & inspector I find out TODAY that this specific inspector has been a problem and  was fired. why was this never relayed to me during my numerous contacts with Flagstar? several times Flagstar told myself & my contractor that we would be contacted within 24 hours by an inspector & that NEVER happened! The last being 2 days ago. Flagstar has not tried to rectify my situation while I have roofers & contractor to pay for work rendered & and unlivable home in which I have been displaced from since XX/XX/XXXX. I am at my wits end and am tired of being taken for a fool! I need my money & my home put back together. It is not my fault that this company can not get an inspector out to my property in a timely manner it is the companies fault! This is my money to which I need NOW so I can get back into my home! Please help me thke care of this situation! Thank You XXXX XXXX
Consumer complaint received 2021-01-05
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: CITIBANK, N.A. (WA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
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 2022-04-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Reference 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
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XX/XX/19 I filed a complaint about pro collect in search for something as simple as a receipt for a {$550.00} payment that was made on XX/XX/19. This morning a representative Ms XXXX I believe her name was called me in her attempt to rectify the situation. However she did not give me any option for a receipt my only options were to pay the balance in full for a paid in full letter or to use my statements. This is not an official receipt! How am I to prove that I have paid you or what my balance is on the account if I do not have a statement. the rep continued to ask me with her harsh tone if I wanted to cancel the payment plan that I did not want to set up in the first place but was told I had to because they do not accept partial payments it has to be on a plan. I told her if I can not receive a receipt or documentation on the plan yes please cancel. She then told me that my balance for BOTH of my accounts are now due in full. This is not fair as the account that had the plan has nothing to do with the other account as they are two separate accounts. This is an unfair attempt for retaliation and I think they need to be investigated for their policy and tactics as a financial collection service. I had not problem paying them back until I was told that I would not receipt the appropriate documentation until I give them all of the money. The rep then asked me if I have received any of their attempts to collect ( which she knows I did not because I changed my address in the system with her when I made the initial payment ) she then told me she can send a bill for the balance of both of the accounts to my address on file. You mean to tell me you can not send me a receipt or proof of payment but you can send me a bill and request for payment of debt?
Consumer complaint received 2019-01-18
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. (WI)

XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

chase bank previously XXXX XXXX  say they sent my savings account money to the california state comp troller in the year XX/XX/XXXX due to inactivity opened in XX/XX/XXXX XXXX dollars with 5 percent compound intrest they refuse to send comfirmation of ballance and sendini my savings ballance to the calif comp troller Iive been trying for over 15 years to release the information they now claim they lost and can not find my savings account but i still have the bank book im still trying to obtain my savings account funds from them
Consumer complaint received 2021-01-05
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. (AZ)

I sent letters each month from XX/XX/XXXX to Equifax, XX/XX/XXXX, and XX/XX/XXXXdisputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. Equifax has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.
Consumer complaint received 2021-01-05
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. (LA)

I've sent disputes lXXXX XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of Equifax Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}
Consumer complaint received 2021-01-05
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. (LA)

Today was almost 60 days since I've sent dispute dated XXXX.2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of Equifax Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I received a call from Wells Fargo Call Center for student loan collections on XX/XX/XXXX where I told Wells Fargo representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, Wells Fargo reported me late and in my previous complaint i stated this and Wells Fargo denied saying approval of forbearance. I disagree and know that Wells Fargo is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-11
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. (TN)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT  # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2022-10-11
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: DISCOVER BANK (OH)

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 ISC Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Credit card co. continues to bill me for merchandise purchased from XXXX XXXX after XXXX XXXX has issued me a full refund, see attached.
Consumer complaint received 2021-01-05
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: CBC Companies, Inc. (FL)

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

On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX 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 2022-09-24
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. (HI)

This credit company have violated civil laws. I wasnt able to get credit loans due to the pandemic. You have hurt my ability to obtain credit no SBA loans nothing due to this company FCRA I.