davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MD)

On XX/XX/XXXX I receive notice on XXXX that an account has been added to my credit report, I immediately called the company to ask for a itemized bill and to verify the account and debt ; to this day I have yet to receive anything from them. No mail, nothing showing me how to dispute it! They are refuses to send me anything.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

I got locked out of my online account because entered the wrong answer to the security question. There was no way to change fix this online and my only option was to call Citi. I called their general business card line and after clicking the option to speak with a customer service representative I was placed on hold for 40 minutes. I called the Government line ( GSA line ) and reached a customer service representative within 5 minutes. She told me that I would need to speak with another customer service rep to get my account fixed and i was forwarded to a different department. I have been on hold for 17 minutes so far and have no expectation of speaking with someone soon. This is absurd! This is a government issued card, i did not choose citi on my own. I need to see my card balance so I can pay it, but Cit has wasted one full hour of my  time already. 

Despite the wait time, my biggest complaint is that there is no way to complain to the firm directly on their website or on their contact page. There is not email provided, only a phone number which has a wait time that will exhaust most customers who want to complain. Citi management needs to be made aware of this problem but I have no means of reaching them.
Consumer complaint received 2022-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX  XXXX XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I ordered a copy of my report inXXXX XXXXXXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2020-04-19
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)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDIGY USA CORP. (TX)

I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: E. A. Uffman & Associates, Inc (LA)

This is a continuance of a complaint filed by myself on XXXX/XXXX/XXXX Case # XXXX that subsequently removed from my credit report. This collection has been reported on my credit report as well and needs to be removed. Hopefully, this is the last of the bills that I have received that needs to be removed from by credit report via XXXX for the XXXX for an injury I received on XXXX/XXXX/XXXX via my employment with the XXXX
Consumer complaint received 2015-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK (MD)

I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.
Consumer complaint received 2022-11-10
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. (CA)

I am a XXXX and a dental supply company XXXX sells dental implants. I was about to do a contract with the rep when I changed my mind and told him not to move forward. 
His manger then ran my credit and did a hard pull, I did not authorize this pull and this should not be on my credit. This company illegally used my information against my wishes. 
I spoke to the company and they offered little recourse but a sorry. 
Thank you Any questions please reach out to me via email or phone. 
XXXX XXXX
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Metes & Bounds Title Company (FL)

I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email, the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a " learning '' on their part.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

he following orders were fraudulently placed on my account. 

Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX While searching for another order this past summer, I stumbled upon an order for a XXXX XXXX that had been placed on my account, but with someone else 's credit card. The order had not yet shipped, so I canceled the order, changed my password and activated two-factor authentication. After keeping a close eye on my account for a few weeks, I didn't see any further orders, so I figured my actions secured my account. 

However, last month I noticed additional fraudulent orders for a number of XXXX XXXX. As you can see from the orders, they shipped to a commercial establishment in Delaware. When researching the company they shipped to, I found online reviews where other XXXX customers experienced the same fraud and had items shipped to this company in Delaware. Whoever placed the orders, must have immediately moved them into my " archived orders '', which prevented me from seeing them sooner. 

I'm still unsure how they were able to bypass the two-factor authentication that is on my account. XXXX odd thing I did notice is that a credit card was built into my account for an individual named XXXX XXXX. Even more odd, after doing a few searches online, it seems that XXXX XXXX is an engineer for XXXX. Could be a coincidence, but it seems odd. 

I've been a loyal customer with XXXX for over 20 years on this account, so I'm clearly not candidate to be running some sort of fraud scheme using this account. 

When I contacted Chase, they did 3 investigations and concluded one of the above transactions was fraud and the rest were valid. This makes absolutely no sense, since the transactions all entailed the same details. Through the course of 3 investigations, Chase never contacted me once to obtain my side of the story, nor have they provided many any documentation or evidence into their findings.
Consumer complaint received 2020-03-12
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. (NC)

I have XXXX for credit protection and monitoring from a government data breach. The problem is with EQUIFAX. XXXX has filed with them 3 times, and I called and filed and they continue to keep a fraudlent report and inquiries on my credit report ... and all this is after i filed a policy report and all other credit correction measures. Note : Both other credit agencies have removed them and the company that originally filed the report investigated and removed the claim as well. EQUIFAX is broken. Should not be a credit agency .... 

Inquiries : XXXX XXXX XXXX XXXX Account : XXXX Opened XX/XX/2019 Balance {$1000.00}
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

this billl was paid in full over a year and a half ago they sent it to collections already before this and i reported it and provided the information showing it was paid they took if off and now they did this again this is illegal it needs to be taken off and XXXX XXXX XXXX  needs to be held responsible for fraud
Consumer complaint received 2022-09-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I went in to the XXXX XXXX, TX branch with a XXXX appt, the clerk didn't come back from lunch until XXXX!!!!! after an hour of her on hold with legal, she told me she needed a certain letter certified. she was quite rude though-out the appt, or at least not professional. I took my papers, asked specifically what they needed, she told me, but refused to write it down, and refused to talk to someone on the phone who wanted to CLARIFY what forms she wanted. I was very angry at this point at her complete unprofesional manner, took my paperwork and told her I would not be opening an account with them. 

the next day I get an email saying my checking account was open. 

she opened a checking account with out my approval or signature. 

I have spoken to wells fargo executive branch and they have closed the account, but it needs to be noted that Wells Fargo is STILL opening checking and savings accounts with out customer approval or knowledge and defrauding their customers just as they were found out to be doing in 2016.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (PA)

I noticed a hard inquiry on my report from factual data. I never authorized a hard credit report ot be run. The only thing I could think of was I inquired about a notice I received about a cash-out refi offer from XXXX. XXXX is my home loan. I called them with some questions but never approved them running a hard inquiry. I only had some questions to discuss the offer. They should not have run a hard inquiry as I had no intention of doing the cash out refi once I learned more about it. If the inquiry is not from XXXX then I do not know who ran this.
Consumer complaint received 2020-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

I am trying to make one payment to my my mortgage account. The servicer is refusing to accept it. M & T bank is the servicer of my account. I tried to make my mortgage payment online. M & T Bank blocked my account and I can not do my payment online. I tried to do the payment over the phone with the pay by phone feature. M & T Bank also blocked the system and I was not able to do my payment with pay by phone. I called M & T Bank and spoke to a representative. The representative refused to take my payment. 
M & T Bank is trying to take my home away from me by refusing my payments. 
Please help!
Consumer complaint received 2020-03-12
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: ID Analytics, Inc. (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2022-07-21
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. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

email : Thank you for using paypal for your new order purchase # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYPAL Due Date XXXX Invoice # XXXX  XXXX Thank you for using PayPal, Your account has been charged {$460.00} under auto-renewal and this charge will appear in your bank account in the next 24 hours. 
Paypal Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Payment Information XXXX rate {$42000.00} XXXX Paid on : XXXX XX/XX/2022 Price Paid : {$460.00}
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Solutions, LLC (KY) (TN)

Approx. XXXX XXXX Credit Solutions LLC XXXX XXXX XXXX XXXX KY XXXX contacted my husband in regards to a medical bill that they are attempting to collect on. They did not ask who he was but proceeded to tell him the amount of bill owed {$4700.00}, the original creditor and asked if I had any intentions on paying my bill ... ... Actions previously taken, a separate CFPB complaint was filed against this same company by myself back in XXXX 2017 for threatening to take legal action against me and it was their first contact with me as well as called my multiple occasions on the same day after I told them that I would need to call them back. This is extremely concerning since one complaint was filed in less than a year against the same company for malicious practices and tactics to collect a dept.