davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-09-24
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: CITIBANK, N.A. (NH)

XX/XX/22 - I placed a order with XXXX XXXX for {$320.00} for motorcycle parts. They did not have all the parts in stock that were ordered and shipped a partial order. I spoke with XXXX XXXX on XX/XX/22 and I was told they issued a partial refund of {$260.00}. My citibank account was never refunded any amount. 
I disputed this transaction with Citibank and was told they sided with the merchant. The merchant ( XXXX XXXX ) never shipped the complete order or refunded me the money for the parts they did not ship.
Consumer complaint received 2022-09-24
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. (NC)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NC)

CarMax has reporting a increase in my balance to all 3 credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called CarMax on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all 3 of my credit reports.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, and Account Name : XXXX  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.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These inquiries XXXX XXXX XXXXXXXX XXXX date XX/XX/22 and XXXX XXXX date XX/XX/22 were fraudulent and Equifax had already informed several times by communication over the phone and by mail they were going to be deleted and has failed and violated my rights under the FCRA.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

This complaint is regarding Synchrony Bank. My husband and I have around 4 credit lines with them, for different merchants. At 1st I was making larger payments to pay them off. After I paid one account off they closed it! Following that, Synchrony closed the account a few days later. From there, our scores started to drop, even though our payments were on time. Then 1 by 1 they started to reduce our credit line. Following that ( within a week ) they started to close those accounts. What happens from there?! Our credit scores drop significantly. When asking the bank, why? Their response was ; we take your credit score into effect. However, theyre the ones that ruined our credit. I have no idea if we can even fix our credit at this point.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

This Dispute is geared towards the five credit reporting agencies, XXXX, Lexis Nexis, XXXX, XXXX, and XXXX. These companies are in the business of running criminal enterprises. LexisNexis and XXXX is in the business of selling personal and private information to XXXX, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and LexisNexis are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Consumer complaint received 2022-09-24
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to equifax and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXX SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.
Consumer complaint received 2022-07-04
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. (OH)

On XX/XX/XXXX I submitted a dispute with XXXX, XXXX and Equifax asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Hello, My first in counter of any fraud on my Home depot, was a email alert sent from The Home Depot Consumer Credit Card, and in this email alert, was informing me We noticed suspicious activity on your Home Depot account. 

Exclamation Point ACTION REQUIRED This is a screenshot of that in the email sent to me from the Bank the store credit is issue from was letting my know that a Exclamation Point Review the recent activity below Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Home Depot account ending in XXXX for the transaction ( s ) noted below. You may not be able to make purchases on your Home Depot account until we hear back from you. 

the amount of activity was a purchase Amount : {$1100.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred Amount : {$590.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred This was sent to me, and also asked if recognize the charge ( s ) above My response was no, and that had never ever been to location in life. California is very large state and there is area of California that I have not travel. After there investigation, It seems since they were not able to find the real criminals. The Store is not reversing the purchases back onto my count so that will be liable for payment of these unauthorized purchased that I did not due the my card was lost or stolen with out my knowledge. I I did make several attempts to explain that I would not even know about any fraudulent happen on my account if I had not received the email alert informing me of the criminal activity happen on my account. I have decided to close this account, because very disappointed how the investigation department has handle this criminal on my account. I dealing hardship with a lost of a family all during the time I'm dealing with issue. 
I would appreciate all help you can assist in fighting battle of unjust and unfair towards. 

Thanks advance,
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I had a loan with XXXX bank. XXXX bank sold the loan and transferred it to rocket mortgage. I paid XXXX bank every month through auto ACH where they pulled the funds. I did not receive notice from XXXX or Rocket mortgage. Rocket mortgage claims they emailed the authorized person on the account however ( not the mortgagor which is me ) the authorized person on the account wasn't authorized to speak to Rocket mortgage as they weren't the mortgagor so rocket mortgage wouldn't speak to the person they were emailing and calling. Subsequently I never got notice and now my credit is ruined for a late payment even though XXXX had permission to draw money in for the mortgage for the account and there was always ample money on the account to make those payments.
Consumer complaint received 2022-09-24
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

I have contacted Equifax multiple occassions requesting that fraudlent accounts and inquiries be removed from my credit report. 

Since the beginning of this year I have contacted Equifax 9 times asking to have fraudulent inquiries after the account was removed from my credit file. I was told to file a report with the FTC on three different ocassions because each report I submitted Equifax claimed that first the dates were not an exact match, secondly that I didnt spell the creditor name correctly and lastly that each complaint of the fraudlent inquiries have to be seperate line items even with multiple inquiries from the same creditor on different dates. 

After I sent the last FTC report I was told that inquiries are a fcatual record!! 


The following inquiries I have provided the reports : XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERIS BANCORP (MS)

On Wednesday XX/XX/XXXX I called to Ameris Bank and requested that my account stayed opened. I provided the representative on the phone with information that I had lost my job which caused my account to be overdrawn. I told her that on Friday XX/XX/XXXX I would be receiving a direct deposit from 2 of my new employers and I would like to request to make sure that my account does not close because Ive had it over 10 years. I never signed ANYTHING or agreed to ANYTHING that allowed this bank to close my account without my permission. Especially since I notified them of the future deposit. I was notified on Thursday XX/XX/XXXX that my account was closed without my permission. The email stated any transactions to or from the account would be cancelled. Now my account has been closed and I am awaiting a cashiers check which is going to take who knows how long. This has put a financial strain on me because of the companys unfair non transparent practices. My account should have never been closed initially. This is a consumer protection violation. Then they had the nerve to close my account and say I did it which is fraud! This is going to be listed on my consumer XXXX report which will cause me not to be able to open another bank account fairly which is another violation of my rights as a consumer.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I applied for a Best Buy credit card and was approved for a Citi Bank card and was not aware that there was a {$59.00} annual fee. When I received the card, XXXX weeks later, I activated it but did not use it. In XXXX I paid the {$29.00} minimum payment when I realized that there was a balance due to the annual fee. XX/XX/XXXX, I contacted them as I realized I was XXXX day late paying the bill and they reversed the late fee and told me if I paid {$31.00} it would pay the account in full. 
However, I just received notification that {$30.00} was due this month, XX/XX/XXXX. I contacted Citi Bank and spoke to the representative who said she would remove the late fee but I would need to call back to cancel the card because the system was under maintenance. 
When I called back and spoke to the manager, he said that he could not remove the late fee because I made the XX/XX/XXXX payment XXXX day late. 
I told him that the person I spoke to on XX/XX/XXXX had said that I only needed to pay the {$31.00} to make my account current and he had removed all other late fees. 
The manager was not willing to assist in any way and kept saying he would have to go back and review the notes from the XX/XX/XXXX call but I had made the payment late so the late fee would stand even though the representative had told me my account on XX/XX/XXXX was current and paid in full. 
He refused to remove the late fee and said I had to pay it or it would be reported to the credit bureau.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

After I am a very disgruntled customer. And Im not being treated with honesty or transparency. 

I called in XX/XX/XXXX to END my forbearance and could resume payments. I was told I could modify the terms of my loan to address the balance that accrued while in forbearance. Noting this went into forbearance due to both my husband and I losing our jobs due to COVID. 

I have been trying to resume payments since XXXX XXXXXXXX. Due to a misstep by your agents on XX/XX/XXXX, my first loan modification was cancelled. I received an apology for the miscommunication and finally received NEW loan modification terms on XX/XX/XXXX. At that point, I sent the required trial payment and subsequent trial payments. I have still not received my loan modification documents. On XX/XX/XXXX I received by certified mail that I had a right to cure my mortgage and that failure to do so bu XX/XX/XXXX would result in foreclosure of my home. 

I have little confidence in your process as this has been an issue since XXXX when the the firstl loan modification promised me was ALSO cancelled by some glitch in your system. 

I have been disconnected 3 times today and each time I need to start over, and I never have been able to reach my relationship manager XXXX XXXX. 

The problem, is that no one ever gives me the same answer. Contradictory instructions and misinformation is not acceptable. Period. 

I am requesting a letter that indicates foreclosure proceedings is an error ON YOUR PART. You can call it a glitch, but this excuse doesnt fly when I might lose my home and my credit is being affected. 

On XXXX I spoke with XXXX. The take aways from this conversation as follows : 1- Loan Modification in progress- NOT TRUE 2-Foreclosure notice sent/generated in error NOT TRUE 3-No action required on my part. No payment required NOT TRUE 4-was reassured credit not being affected NOT TRUE 4-Loan Docs not sent as of XXXXTRUE 5-Underwriting waiting on title- which is a lie, that I learned when I spoke to an agent on XX/XX/XXXX. This is the second time Ive been lied to, but asked to file under miscommunication '' This info WAS NOT ACCURATE, in fact- had I not called on XX/XX/XXXX, the foreclosure would have proceeded. This is YOUR error. What would have happened if I did not call today? 

On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) 1- Loan modification was cancelled mysteriously 27 days ago 2-Therefore foreclosure WAS/IS proceeding, however he CANCELLED it and escalated the loan modification 3-Credit entities WERE NOTIFIED of late payments, Im told that you will notify the credit reporting agencies that it is YOUR error and I want this in writing from you. 

The explanation I received? Some random deferment plan was open and messed up the process? I was told, this has been cancelled and that the load modification terms in place in XXXX would be honored. 

4-expect to receive docs 2-3 weeks Again, this is an absolute mess and I do not know what is truth is ( and dont appreciate being lied to ). 

Your prompt attention is expected.