davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (AZ)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-01-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-18
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. (AL)

In According 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 2022-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

Please see the attached letter from Ally. Their debtor IS NOT ME. I have a different address and phone number, yet they have been calling me, and numerous friends and family about this debt. I have never done any business with XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-20
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. (IA)

I sent in a ID Theft Affidavit and police report detailing a fraudulent account on my Transunion credit report. I asked them to block the information from reporting. I am providing proof that Transunion received the correspondence on XX/XX/2020. The account is from XXXX XXXX. The account number XXXX. As of the date of this complaint Transunion has failed to remove the fraudulent information.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

Mortgage company Seterus is managing my account. I have incurred late fees which they have been unable to explain. I have requested this information on the phone and in writing. I have confirmed that they have my correct mailing address. Each time, I am told that a written response is forthcoming. I need to know about these charges as I have been making my payments timely, electronically. If the problem is with the electronic payment system, I need to seek recourse through them. I have been getting the run around for almost one year,
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rothman Evans, P.C. (NY)

In XXXX 2015 I discovered that there was A Judgement on my credit reports that was not mine. This judgement was entered in XXXX ( NY ) City Court and a transcription of this judgement was filed with the XXXX County ( NY ) clerks office. I went to XXXX ( NY ) City Court in XXXX 2015 and the judgement was vacated by the Honorable XXXX XXXX XXXX. The City of XXXX claims that notice of this order to vacate judgement was sent to the attorney that was acting as a collection agency, XXXX XXXX XXXX of XXXX NY. The XXXX City Court will not give me any of this documentation. It has now been 10 months since this judgement was vacated but it is still on file in the XXXX XXXX ( NY ) Clerks office. When my credit profile is pulled this judgement is still showing in my files adversely impacting my life. I checked with the XXXX City Court and they tell me that the judgement in fact was vacated and that the collection agency, XXXX XXXX XXXX needs to notify the XXXX XXXX Clerk of the true and correct status of this judgement so that it will be reported accurately to credit reporting agencies. I sent written communication to XXXX XXXX XXXX on XXXX XXXX, 2015 via USPS Registered mail. This letter was delivered on XXXX XXXX, 2015. In this letter I asked that XXXX XXXX XXXX office complete their duty to report the correct status of the judgement that was vacated to the XXXX XXXX Clerks office so that it XXXX be XXXX and expunged and all records could be made accurate. I did not receive any reply from XXXX XXXX XXXX office. Today, I went in person to the XXXX County Clerks Office where they told me the judgement was still on file and there was no information that it was vacated. I told them to remove this record and they would not, saying that they needed official notice that it was vacated. I then went directly to the XXXX City Court to get documentation for the XXXX County Clerk. I was again told ( for the third time ) that this documentation was sent to XXXX XXXX XXXX and that was the party that need to correct the records of the XXXX County Clerk. I informed them that XXXX XXXX XXXX refused to do this but I was not given any other avenue to correct this incorrect reporting to XXXX County on my own. I am aware that the continuance of XXXX XXXX XXXX to report information that they know is incorrect and or inaccurate is against the law.
Consumer complaint received 2022-08-18
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. (MD)

This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness
Consumer complaint received 2020-01-20
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: AMERICAN EXPRESS COMPANY (VA)

American Express is not resolving my dispute with XXXX XXXX and has closed the dispute under deceptive practice while I was being XXXX  I'm XXXX XXXX  XXXX in the state of Illinois.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (TX)

I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Consumer complaint received 2022-08-18
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-18
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. (NV)

In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

-The following Accounts : -Original Creditor : XXXX as serviced by XXXX  -Debt Collector XXXX XXXX XXXX -Open Balance : {$6700.00}
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

The debt was placed by XXXX  for equipment returned. it was resolved prior to the debt showing on my credit report as it was returned. Representative 's from XXXX  have attempted to remove this from IC Systems and they still have not complied. I placed a three-way call with XXXX  and IC Systems with XXXX acknowledging there was no debt to no avail. They continue to disregard attempts to remove this and have damaged my credit.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

Loancare loan servicing has made it impossible to contact their customer service. When you call their customer service for loan servicing information you are given the automated response, " we are experiencing higher than normal call volumes, wait times may exceed 30 minutes, etc ... ''. If you try and wait for a representative, the service simply hangs up on you.

Additionally, because they have no account recovery options on their online portal, if you get locked out of your account you will have no ability to access your mortgage information.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I paid off my Macy 's credit account with a money order for {$350.00} at the XXXX in XXXX CA in XXXX. The payment was processed and the employee kept money order and placed in drawer. My Macy 's statement comes XXXX XXXX, 2016 and upon close review, the payment I made with certified funds was reversed and interest charges attached to my account in the amount of {$10.00}. At no time has Macy 's ever notified me of an issue with the money order, no letter in the mail, no copy of the money order used. When I called, they tried to put the duty on me to prove the payment went through. I informed her that without a copy of the money order, I 'm not able to go to the bank and do anything and that they had an obligation to let me know of the issue 3 months ago when the payment was made not 3 months later by reversing the payment and charging me interest. It seems to me that Macy 's is in the habit of waiting an excessive amount of time and are not notifying consumers when issues arise with the payment. In this case, I explicitly asked the Macy 's customer service representative if they take money orders and stated yes and processed the payment and handed me a receipt. Based on this experience, who knows how may other consumers they have pulled this slight of hand and are charging back interest on purchases people believed to have been paid in full.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (NY)

I wanted to check that Amex was accurately calculating my interest charges on my credit card account for any given month. I reviewed the Cardmember Agreement and other materials on the Amex website. Then I downloaded my monthly transactions and balance information. I tried to calculate the balance subject to interest, and the interest charge, myself, for one month. I was not able to match what I was charged. 

I called the customer service number to ask for help in understanding the calculation method. The customer service I initially received was very poor. I had to speak to XXXX different people before I got anywhere. It is clear that the customer service reps are trained to tell customers why they received an interest charge ( and I had no issue on whether I should/should not have been charged - just trying to understand the amount ), but are not trained on how the interest is actually charged. Finally, after an hour on the phone, somebody referred me for a " billing reconciliation '' by a specialist, who would get back to me within weeks. 

In the billing reconciliation, a customer service rep emailed me, again only explaining why I was charged interest at all, and again not providing any details on how the amount was calculated. They also refunded the interest charge for that month. However, nobody at the company was able to show me how they got the exact number that they did for the balance or interest charge. The customer service experience was very frustrating. More importantly, as far as I know, the interest charge amount was inaccurate. And this could be happening month after month.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I pay all the monthly fees without being late. Last week my card didn't go through and when I call the agent said my card was closed. I asked the reason but she said that no additional information is on my file. When a credit card closed a credit card, my credit score will be affected. Since I am paying the monthly fees and the USA and the whole economy are going through an unprecedented times this practice is not correct for consumers. Credit cards have a social responsibility and start closing accounts and put customers in more difficult situations is not correct. 
My card didn't have any pending payments. I made the payments on time
Consumer complaint received 2022-11-14
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: SYNCHRONY FINANCIAL (FL)

SYNCHRONY BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT 15 US CODE 1681b FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( 6 ) TIMES FROM XXXX XXXX REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
SYNCB/CARE CREDIT XX/XX/XXXX SYNCB/TJX XXXX XXXX XXXX SYNCB/SYNCB XX/XX/XXXX SYNCB/BELK ( A CLOSED ACCT ) XX/XX/XXXX SYNCB/LOWES XX/XX/XXXX SYNCBCARE CREDIT XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS
Consumer complaint received 2022-08-04
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (NY)

Dear CFPB Please be advised that I was not served or informed by Citibank about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (VA)

My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have contact Jefferson capital several times over this debt and let them know this is not my debt now it shows up on my credit report twice totaling {$800.00} this is fraud! 
on my credit report it has 2 other account # XXXX & XXXX
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (TN)

Citibank/Citigroup has been contacting me for several months trying to reach my ex husband. We have been divorced for years. I have repeatedly asked them to stop, and to remove my number. I have told them he is likely in jail, but I have absolutely no contact with him. Today they called from a different number and I told them I was filing a complaint and contacting an attorney.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (IL)

I contacted XXXX XXXX via mail XX/XX/2020, regarding them sending me a bill for a {$200.00} prepaid credit card that was a XXXX  balance and closed. On XX/XX/2020 I paid XXXX XXXX a payment of {$150.00} to have them to remove the incorrect balance that they was originally billing me. Instead of a correction, my credit report ended up showing a new " Highest Balance '' of {$340.00}. I called them again to discuss why they would show me owing a " Highest Balance '' of {$340.00}, when this is a prepaid card and you can not go over your balance. Instead of getting a response I got hung up on. There is no way my I should have a higher balance on a prepaid card of {$200.00}, that does not allowed you to exceed the {$200.00} limit.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I was a victim of grand larceny and identity theft after someone stole my phone and hacked into my email account and all of my banking apps. The thief hacked into my XXXX ID and was able to lock me out of it, so I no longer have access to anything that was on the physical phone. They still have access to my photos, notes and any XXXX ID apps like my notes or files apps. 

Once the thief got into my phone, they found my social security number on a document in my email and proceeded to open XXXX new credit cards, and then they added those credit cards to my XXXX XXXX. I believe they went into physical stores to use my XXXX XXXX on my XXXX. I reported this to the police who are actively investigating. 

The thief opened the following accounts in my name and spent : - XXXX Credit Card ( account ending in XXXX card ending in XXXX ) : They spent {$970.00} at XXXX XXXX on XX/XX/16 at XXXX XXXX ET -- see attached receipt and a letter from XXXX I XXXX saying that my address had changed. 

- XXXX Credit Card : Has a balance of {$6000.00}. The following charges were reported at these locations : XXXX XXXX XXXX XXXX {$3000.00} XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$540.00}, XXXX am, XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

Yesterday I received notice the secured card XXXX XXXX XXXX has with US BANK was garnished. This notice has been refused for cause. If there is a levy, it was incorrectly assessed. It pertains to XXXX and NOT the SSN the account was opened under XXXX. I expect US Bank to correct their error. Thank you.