davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I am a victim of scam to purchase a puppy where I paid {$300.00} for a puppy and I never received the puppy. I used XXXX through 5th Third for the transaction and XXXX and XXXX are stating that they can not refund the money because they can not get the money from the person the money was sent to. XXXX  had returned the funds and then without notice to withdrew the funds from my account. My case number with XXXX is Case XXXX. 

On XX/XX/XXXX I was in contact with XXXXXXXX XXXX  on XXXX who stated they were in XXXX and had these cute little puppies. They had sent pictures. I picked a puppy and sent them a {$300.00} deposit. Once I started to ask if my friend that lives in XXXX could come see the puppy, things went a different way and I realized that I had been scammed. I immediately called my bank and told them that I had been scammed. The opened a case. After 10 days they had returned the {$300.00} to me. On XX/XX/XXXX the withdrew the money from me with no notification. When I called they stated that XXXX could not get the money from the scammer so since I approved the transaction they had to withdraw the money from me. 

I then tried to contact the scammer and it was a XXXX number and also their XXXX  page has been closed. They did text me but of course no resolution.
Consumer complaint received 2020-04-16
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)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (WA)

Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. 

This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have been working through a certified HUD Counselor with the lender MR COOPER/Nationstar mortgage llc , the HUD counselor was able to work out or what I thought was work through my issues with my delinquent mortgage. per the email exchange and phone conversation. Mr cooper employeXXXX XXXX XXXX and XXXX XXXX, who advised me that I can send over payments to bring my balance down, they also said they would allow a 3rd party government agency to help pay my balance down, they agreed to place money in a suspend account and not return the funds so that the California home mortgage grant program can pay off the remaining which would be {$80000.00}. we were asked to send the payments to the attention of XXXX XXXX. I have complied with all of their directives, the lender sent back the payments and posted letters in my portal stating it wasnt enough monies to bring account current, but the agreement was they would hold the payments in suspend to allow the government program to pay the XXXX. To satisfy the past due. I was then told to wire the money the wire was also rejected. I am trying to save my home this is why I worked with the hud counselor, why was there an agreement in place and the lender violated the agreement they made with HUD,
Consumer complaint received 2020-06-08
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. (NY)

By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.
Consumer complaint received 2022-04-08
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. (NJ)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify and/ or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-10-08
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WV)

I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?
Consumer complaint received 2022-03-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 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 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX Equifax, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called XXXX-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it from Equifax. I tried to call Equifax to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax has an account on my credit report that is passed the statute of limitations. The account status is also incorrect. The account has been paid. This account is also passed the statute of limitations and should have been removed from my credit report. the date of deliquency is incorrect. I have disputed this information with Equifax and it fails to correct the problem.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2022, I applied and was approved for the Barclays XXXX XXXX  Credit Card. The card comes with a sign up bonus of 80,000 miles and a {$95.00} statement credit after spending {$2000.00} within 90 days. I met the minimum spend requirement and received the 80,000 miles but not the {$95.00} statement credit. I contacted Barclays Bank via secured message on XX/XX/2022 to inquire about the statement credit and was told : We are pleased to inform you the statement credit has been processed and will apply to your account within 3-5 business days. However, 5 business days passed and I still didnt receive the credit. I contacted them again on XX/XX/2022 to inquire about the issue and they responded : A request to credit the {$95.00} acquisition bonus has been submitted. The next day, a credit of {$95.00} AND a reversal of this credit was posted to my account so I contacted them a third time on XX/XX/2022 and received a generic reply of : Were aware of the issue and are working to correct it as quickly as possible. Barclays Bank has been " aware of this issue '' for three months now, everyone who applied to this promotion has been experiencing this same issue. I don't know how many years it should take a big international bank like Barclays to fix a minor glitch. The deceiving responses I've been receiving from their customer service are unacceptable.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I called my credit card company ( Citibank/XX/XX/XXXXXX/XX/XXXXAAdvantage Executive Master Card ) to ask for a deferment due to the Corona Virus Emergency. I explained that I am an XXXX  XXXX  and that I needed help/assistance over the next 60-90 days reading payments. I escalated the call to two different managers and was told both times that their company had no  programs in place to assist me and my only option would be to close the account.
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo issued a refund for {$1400.00} on XX/XX/20 and then retook those funds on XX/XX/20. 70 plus days later. Completely unexpected. We filed a claim against a gym for unauthorized charges for tuition and competition fees. Instead of doing their part to protect us from fraudulent charges or unauthorized charges they mixed up the details and sided with the merchant. When asked about this I realized they didn't have any information correct. I had given them the right information but the took unrelated information from the gym and sided with them. It took Wells Fargo 70 plus days to make a mistake and debit our account {$1400.00} in the middle of a financial crisis and covid 19 outbreak and then do nothing to help when I reached out. 30 days in understandable but 70 plus days is wrong. In addition they made a mistake with the claim. The charges are unauthorized and not correct.
Consumer complaint received 2020-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Equifax, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Equifax has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Equifax several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Equifax has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Equifax 's behalf.
Consumer complaint received 2016-01-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NJ)

For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash. 

I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products. 

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

The following addresses are incorrect: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HANCOCK WHITNEY BANK (FL)

I CONTACTED CFPB MANY TIMES OVER A YEAR AGO A COMPLAINT AGAINST MY MORTAGE COMPANY XXXX XXXX XXXX THEN WHITNEY THEN HANNOCK ABOUT A PREDATORY LOAN THAT I CAN PROVE IT HAS BEEN OVER SIX AND A HALF YEARS AND NO HELP I AM ON SSI XXXX A YEAR CAN NOT AFFORD AN ATTORNEY FREE HELP SAYS IT IS TO COMPLICATED I FINALLY GOT IN TOUCH WITH SENIOR HELP AND THEY SAY IT IS YOUR JOB TO OVER SEE THESE BANKS THAT INVOLE DECEPIT PRACTICES
Consumer complaint received 2018-05-11
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. (IL)

Requested my annual credit report from all three major bureaus back in XX/XX/XXXX. However, when I received my report ( # XXXX ) from Equifax dated XX/XX/XXXX it had someone else 's SSN, DOB,  and different variation of my name and wrong middle initial. I called Equifax the same day and was told they did not see a problem. I again tried to submit a complaint and refute the information ; to which they said wasn't their fault and I would have to pay to be corrected. I called them months later on XX/XX/XXXX requesting an update to my complaint ; to which, again told nothing they can do about it even after submitting documents and having my credit report locked previously. The result of Equifax 's acknowledgment of data breach ; allowing me to see a partial credit report but unable to dispute anything. Transferred multiple times and departments without any resolution. I called Experian and XXXX who confirmed none of my information was incorrect but that Equifax had generated new alias in my name as result of their mistake. This is causing an issue verifying who I am with my bank and other institutions and possible employers who may use Equifax to furnish background and consumer credit information. I have attached documents that support my identity that Equifax has refused to acknowledge while the other two credit bureaus handled and accepted.
Consumer complaint received 2021-06-04
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. (NY)

I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (IN)

EQUIFAX HAS RE-INSERTED XXXX ACCOUNTS THAT WERE PREVIOULY DELETED BY CHANGING ACCOUNT DATA. ALSO SPLIT MY CREDIT FILES 6 TIMES IN 3 YEARS. 
SCORES AND INFO DOES'T LINE UP WITH XXXX. 

EQUIFAX IN VIOLATING THE DODD-FRANK ACT AND F.C.R.A. FOR THE last time
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX