davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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. (UT)

For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, XXXX, and Equifax. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL (FL)

It is believe that a group of individuals would like to implicate me in a financial crime for which I'm a totally and completely innocent of. As I take steps to try and protect and insulate myself for fraud by attempting to close none operating / obsolete accounts, I'm having a hard time closing PayPal Business acct ending in XXXX. After 3 conversation each lasting more than an hour I still don't know is the account off or not which has been my request since before I spoke to XXXX XXXX XXXX office in XX/XX/2020 regarding weird activity. Either because the account was setup incorrectly regarding my name or the name was changed, I can not get past verification. Also I find out thru the automated system after speaking to customer ( XXXX ) service for over a hour to gain access that there is a primary and a SECONDARY card that I knew nothing about. This entire situation is frustrating and I need account close. I only used it twice last year and ordered it at the request of broker and I have been trying to close it ever since.
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX  XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I have tried several times to contact the company and have this debt verified. I have not been able to get any answer on the debt. I have also tried to dispute the debt with the credit bureaus and no results. When I called the credit bureaus about this account I was told that the company told them that everything is correct and not to dispute it anymore. The account has different amounts and dates and with them not verifying this debt and everything is different from one credit report to the other.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

The bill is from a recent apt I lived in..They are saying that the apartment was dirty and charged me for a extra cleaning fee etc..totaling almos $ XXXX.I 've been going back and forth with them because I have video from when I left the apt and it was clean. The apartment was not in bad shape at all..They moved someone in the next week after I moved. Then the guy from collections is very rude. Stated that I need to pay my bills or it will affect my credit when those charges are false.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (FL)

In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. The said debt has been sold or transferred from XXXX XXXX to the above two companies and none is willing to provide any valid information nor abide by the law of the land.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (NJ)

On XXXX XXXX I deposited through the XXXX XXXX, NJ PNC bank drive-through a check in the amount of {$330000.00} from XXXX XXXX  XXXX XXXX company. I endorsed the check. It was deposited into my account and showed that it cleared in my account two days later. I began paying debts with the monies and went to the XXXX XXXX, NJ branch to give them wire information to pay off my mortgage at XXXX XXXX. XXXX met me outside and told me they turned the check into their loss prevention and avoidance department because the check was not endorsed by the other name on the check which was my mortgage company XXXX XXXX. To this day, no one at PNC has helped release the monies back into my account. They are holding the money because it is now in their legal departments hands. I just lost my home in a storm, it was demolished, I can not buy another home until my mortgage at XXXX is paid off. I have two more days to pay it off, XXXX has stopped withdrawing my mortgage from my account because of the understanding its getting paid off. PNC will not release the check back to me. They have not given me a copy of the check. I have a negative balance in my checking account. I'm being charged $ XXXX day in interest from my mortgage company every day its not paid off. I am in a dire situation and PNC is giving me the runaround. Please help me.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

I have a loan with XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc. (FL)

I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXX collections! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I applied and was approved for a Home Depot credit card through Citi on X/XX/2017. The credit limit was {$8000.00}. Within 3 hours of being approved, I called Home Depot and cancelled the credit card. When I applied for the credit card, a credit check through the CRAs was conducted - which was fine - but a month later I got a notification that it hit my credit report as an open account. The initial credit check for purposes of checking my credit worthiness was fine, but it should not have hit my credit report a month later as an open account.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I have contacted chase 3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by XXXX and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.
Consumer complaint received 2022-08-05
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. (PA)

According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, Consumer reporting agency Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I have never given permission or consent. Because of Equifax taking it upon themselves to assume this role, my privacy has been breached numerous times over the years, information has been reported incorrectly countless times and this in turn has had a negative impact on my credit score and me personally consenting to doing business with various companies.
Consumer complaint received 2020-05-29
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. (VA)

Informed Equifax that the XXXX XXXX from XX/XX/XXXX was an error. I bought a couch on XXXX. As I was checking out there as a link to their Credit Card. I simply clicked on it to see what the interest rate would be and then I went back to completing my purchase with my XXXX account. I contacted Equifax and they suggested I call the creditor. I contacted XXXX XXXX  and they did their own investigation. They sent me a letter on XX/XX/XXXX that they would contact the credit bureaus to request the item be removed from my reports. XXXX has removed the inquiry but Equifax has not. I have contacted them numerous times and sent them a copy of the letter but they have done nothing. My first " case '' was closed without resolution so I started a new one. I went through all the same motions and was contacted by the second " customer care '' representative XX/XX/XXXX. She has asked me to give her the details of my complaint.I haven't heard a word since. It's extremely frustrating and I'd love for you to help me get this rectified once and for all. Thanks very much.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/20 : CALLED CHASE TO REPORT 2 UNAUTHORIZED CHARGES TRANSACTION # 1 : XXXX {$270.00} TRANSACTION # 2 : XXXX XXXX APPROX {$190.00} XX/XX/20 : CREDIT FOR BOTH TRANSACTIONS WAS POSTED BACK TO MY ACCOUNT XX/XX/20 : THE CREDIT FOR THE XXXX TRANSACTION OF {$270.00} WAS WITHDRAWN FROM MY ACCOUNT AGAIN. I CALLED TO FOLLOW UP. SPENT ABOUT 4 HOURS TRYING TO REACH SOMEONE. WAS CONSTANTLY TRANSFERRED & LEFT ON HOLD FOR 30-60 MIN AT A TIME. WAS HUNG UP ON. UNTIL I FINALLY REACHED A SUPERVISOR WHO LET ME KNOW THAT THE CLAIM WAS DENIED BC I HAVE PREVIOUS PURCHASES FROM XXXX & THEREFORE IT WAS DECIDED I HAD TO HAVE MADE THAT PURCHASE. 
THE SUPERVISOR AGREED THAT ME HAVING PURCHASED FROM XXXX BEFORE WAS NOT PROOF THAT THIS SPECIFIC TRANSACTION WAS MADE BY ME & SHE APOLOGIZED BUT TOLD ME THEY CAN NOT REOPEN THE CLAIM W/O DOCUMENTATION STATING THAT I DID NOT MAKE THE PURCHASE. I ASKED HOW AM I SUPPOSED TO PROVIDE DOCUMENTATION ... IF I NEVER MADE THE PURCHASE THAT MEANS I WOULD NOT RECEIVE ANYTHING. 
NONETHELESS, I FAXED THEM A SCREENSHOT OF MY ORDER HISTORY FROM MY XXXX ACCOUNT. 
XX/XX/20 : I CALLED TO FOLLOW UP AS TO WHETHER OR NOT THE FAX WAS RECEIVED & IF IT WAS ENOUGH TO REOPEN THE CLAIM. THE PERSON ON THE PHONE WAS UNABLE TO CONFIRM WHETHER OR NOT IT WAS RECEIVED. SHE WAS UNABLE TO CONNECT ME WITH SOMEONE THAT CAN CONFIRM & THEY DID NOT WANT TO PROVIDE ME W/ AN EMAIL WHERE I CAN SEND THE SCREENSHOT TO. 
THE HANDLING OF THIS CLAIM WAS WRONG TO BEGIN WITH, YOU CAN NOT PRESUME THAT BECAUSE I HAVE SHOPPED AT A LOCATION BEFORE THAT I AUTOMATICALLY AM RESPONSIBLE FOR THE FRAUDULENT ACTIVITY ON MY ACCOUNT. 
AFTER THAT BEING NOTED, IT SHOULD BE MORE THAN ENOUGH TO HAVE THEM REOPEN THE CLAIM & REVIEW THE TRANSACTION A LITTLE MORE. 
I WORK VERY HARD TO MAKE ENDS MEET & THIS IS A SIGNIFICANT AMOUNT FOR ME, WHEREAS CHASE HAS INSURANCE IN PLACE FOR THIS. & I AM SUPPOSE TO TRUST BANKS TO TAKE CARE OF THE FUNDS I AM DEPOSITING AND I AM SUPPOSE TO COUNT ON THE CUSTOMER SERVICE DEPARTMENT AS BUT THEY ARE DISMISSING ME AND MAKING ME WORK AND INVEST TIME ALL OVER AGAIN FOR MONEY I HAVE ALREADY EARNED
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, Equifax XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach
Consumer complaint received 2022-08-05
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. (SC)

I submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a Tri merged report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2. referenced in complaint XXXX equifaxXXXX XXXX
Consumer complaint received 2020-08-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

My mortgage company ( Loancare Servicing ) is reporting late payments starting in XXXX and XX/XX/2020 which I have uploaded proof that it was paid in time, also in XXXX when the pandemic hit us we applied for deferment and was approved until XX/XX/2020, and yet they have continued to report it as a late payment which I told them by law they should not be reporting, I have sent certified mail and also called to try to resolve this problem, when I contacted them I was rudely told that they are not reporting it as late and I must not know how to read my credit report because the problem is not on their end. I have included a screenshot of my XXXX XXXX which clearly shows the late payments of 90 days which made my credit score fall and has caused me to lose opportunities which I badly needed because of the pandemic.
Consumer complaint received 2018-07-02
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. (MD)

So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my XXXXEquifax credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.XXXX XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.XXXX/Equifax is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by Equifax also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
Consumer complaint received 2018-07-02
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. (DC)

Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc. (MS)

I contacted ProCollect about a month ago and requested they stop calling my mobile phone and to contact me via postal service. I still receive calls and voicemails from ProCollect.

Also, I sent the them information and requesting a copy of a contract showing my signature that I owe ProCollect {$530.00}. I advised in the letter I sent that I do not owe ProCollect and never went into business with them. I requested they delete all information on my XXXX, XXXX, XXXX credit report because I never signed a contract with them and they are reporting inaccurately. 

They did not delete the information and they did not show me a signature from myself showing I owe ProCollect.

However, that ProCollect sent me paperwork sent to them by the company that paid them for my account information.

I attempted to resolve this issue, but not successful.
Consumer complaint received 2022-10-05
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. (NC)

Equifax has refused to delete inquiries that have been found by me on my credit report that I did not create. 

Furthermore I have provided to equifax an identity theft report field recently with the FTC for identity theft and was instructed by the FTC to provide a copy of that report that was filed that clearly outlines inquiries on my credit report that I did not create, sign for, enter into any contracts or agreements as those inquiries remain alien to me and I demand that those inquiries be removed at once!! 

These are hurting my Credit score each day and I demand that equifax remove them now! 

I disputed these unauthorized inquiries with Equifax along with police report and FTC identity theft report and will not correct these inaccurate inquiries as listed on the FTC complaint.