davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Collection Bureau, Inc. (FL)

United Collection Bureau ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to XXXX, XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted XXXX, XXXX, XXXX XXXX XXXX and paid the {$310.00} File No XXXX, but they are stating that United Collection Bureau still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from United Collection Bureau and the receipt from XXXX, XXXX, and XXXX. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay XXXX, XXXX, XXXX XXXX? 3. How do I get this removed from my credit ( either completely or as paid )?
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. Carrington Mortgage Company a service provider for XXXX   XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life,  and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I am writing to file a formal complaint against Citibank Online for misleading and false practices in their credit limit increase evaluation process. On the week of XX/XX/2023, I applied for a credit limit increase through Citibank Online, and I was disheartened to receive a denial letter citing reasons that directly contradict the representations made during the application process. 
As evidence, I have attached a screenshot of the online application where Citibank stated, " We will not obtain a credit bureau report to evaluate your request and you will receive a decision instantly. '' Furthermore, I have also enclosed the denial letter, which clearly contradicts this statement by mentioning two crucial points : 1. The denial letter asserts that my credit report contains a late or missed payment with another creditor as the reason for rejecting my credit limit increase request. 
2. The same letter admits that the decision was based, at least in part, on information provided by XXXX, a consumer reporting agency. 
These contradictory statements demonstrate that the online application process was deceptive, misleading, and falsely advertised. By assuring applicants that no credit bureau report would be obtained and decisions would be instant, Citibank created a false impression of the credit evaluation process, leading applicants to believe that their credit history would not be a determining factor. 
The actions of Citibank Online are in direct violation of the following laws : 1. 15 U.S.C. 1691 ( d ) of the Equal Credit Opportunity Act ( ECOA ) : This statute explicitly prohibits creditors from making false statements or providing misleading information to applicants concerning the reasons for denying credit. Citibank 's contradictory statements during the credit limit increase application and denial process clearly breach this law. 
2. 15 U.S.C. 1661 - Prohibited Practices : Section 1661 outlines prohibited advertising practices, including misrepresenting credit terms, using false or misleading statements, and failing to disclose essential information. Citibank 's deceptive advertising, promising an instant decision without obtaining a credit report while subsequently relying on credit report information for the denial, is a clear violation of this law.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-03
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. (PA)

I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.
Consumer complaint received 2018-03-15
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. (FL)

XXXX:  XXXX:   EXPERIAN The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Consumer complaint received 2022-01-13
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. (AR)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-02-18
Product: Credit reporting 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 a victim of identity theft please see attached document I have already sent in my identification documents and I sent in police report and identity theft affidavit signed and notarized I have also sent in my disputes just attached this last letter in addition to my dispute so this is not a second attempt this is still my first attempt please add this in to my first dispute as I am sending this in a day later thank you
Consumer complaint received 2024-02-18
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (NC)

I Closed on a house on XX/XX/XXXX. They misled me about things and did not followed through the closing disclosure. The closing disclosure they presented to me at the closing table was different than what I agreed and signed right before closing. Because of their misleading and hiding information it cost me additional {$16000.00}, Delayed closing, caused anxiety and fear of losing the house ( two conflicting closing disclosure are attached ). I had to come up with additional {$16000.00} to be able to close on the deal. I was afraid I was gon na lose the house. 

After that XXXX representative XXXX XXXX reached out to me on XX/XX/XXXX to refinance the loan and correct the mistake they did, in return he offered me lowering the interest rate from 2.75 % to 2.35 % with no closing cost and also to reduce the loan amount by $ XXXX to compensate the loss I suffered with the original loan ( correspondence from XXXX included XXXX. this refinancing did not close till today even after scheduling with the attorneys office for XX/XX/XXXX at XXXX with XXXX XXXX XXXX XXXX XXXX, I made repeated phone calls and emails but got no response from XXXX. 

Everyday interest is accruing which I am not responsible for - Since XX/XX/XXXX XXXX  gave me the impression refinancing will close in a week or so, as a result I have been in confusion and did not know whether I should make payment to the original loan, I am afraid XXXX  might have reported to the credit reporting agencies and damaging my credit. I want to pay off this loan and be compensated for all the financial loss and mental anguish.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NV)

The IRS has attempted several times to deposit my stimulus check into my Bluebird account, but Bluebird rejects it every time with a message to contact the IRS. Contact the IRS?? Seriously?? Why won't they deposit my money??
Consumer complaint received 2019-03-03
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: Experian Information Solutions Inc. (PA)

I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The bank mailed me the debit card! The mailbox was tampered! I never got the debit card! Someone stole it from the mailbox and without my authorization and knowledge used it and took all my money! It is a fraud! Bank of America will not reimburse me!
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I am an XXXX XXXX veteran and a XXXX XXXX sworn to protect the public. Wakefield & Associates is knowingly and willfully reporting a fraudulent collection to my credit report. Why their license to do business has not been revoked after numerous complaints is beyond my comprehension. 

While residing in California I was rear ended in my car in XX/XX/XXXX as I waited at a red light. The other driver was 100 percent at fault. Due to the severity of my injuries and the damage to my vehicle, I hired a personal injury law firm who immediately entered into litigation on my behalf. I was hospitalized, sent to therapy, and saw various specialists and healthcare providers as a result of the accident. ALL medical bills were the responsibility of the other driver 's insurance carrier until a settlement could be reached. 

Wakefield and Associates illegally and fraudulently reported a related medical expense of approximately {$100.00} to credit reporting bureaus, severely lowering my FICO Score which has damaged me financially. I disputed the collection with XXXX on XX/XX/XXXX, the dispute number is available if needed. The dispute results indicate Wakefield and Associates verified the collection as being valid, which is easily proven false! 

Because of Wakefield & Associates ' fraudulent reporting practices and the state of Tennessee 's refusal to revoke their license despite numerous complaints against them and the lives they continue to adversely impact with their fraudulent practices, to date, XXXX refuses to remove the erroneous collection based solely on the word of this fraudulent reporting. 

Hold, in my opinion, this corrupt, unlawful, despicable business accountable. Force them to remove their unlawfully reported collection from everywhere they reported it IMMEDIATELY! Because of this and the multitude of complaints against them, I further request revocation of their license to conduct business and their executives be put in prison for reporting false information resulting in financial hardship for unsuspecting consumers. For each individual who takes time to monitor their credit report, dispute information, and file a complaint against this company, I imagine there are many more who have been adversely impacted, unlawfully, by Wakefield and Associates just as I have been.

Any governing body or oversight institution that allows this to continue is complicit in Wakefield and Associates ' unlawful and unethical practices. Imagine what may have happened if I was seeking employment with this collection on my reports? This matter needs to be taken seriously.
Consumer complaint received 2020-05-29
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,
Consumer complaint received 2018-03-15
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. (FL)

TRANSUNION:  XXXX:   XXXX The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/23 I was sent {$600.00} on Venmo. The person sent me the money right in front of my eyes. We were standing right next to each other and he verbally agreed to send me the money. Later, he filed a dispute with Venmo claiming it was not an authorized transaction. Venmo gave him the money back with no evidence or proof whatsoever. They did not give me a chance to respond to the dispute and now they expect me to pay them. So essentially any user of Venmo could lie and say they want their money back, and Venmo will steal it from the account of their users. This company is unsafe and should not be allowed to operate if they take money out of people 's accounts with no evidence to do so. It is not safe for consumers.