davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
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. (OH)

This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.
Consumer complaint received 2019-04-05
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. (FL)

This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, XXXX agreed to remove the information on my account. However in XXXX they hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!
Consumer complaint received 2021-03-17
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. (PA)

I recently submitted a report with XXXX  about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the XXXX XXXXold me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my XXXX
Consumer complaint received 2023-03-27
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (SC)

XXXX XXXX has a hold on my account. It's been over a week. No one has told me what the reason is of what I need to do. This is causing me severe financial damage as I can not make any transactions. 

I am about to loose my home, cars and business.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am currently in the process of trying to get a loan and I am getting denied. My account with XXXX XXXX XXXX is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Consumer complaint received 2021-09-09
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. (MI)

XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX Bank XXXX XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : 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
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On Wednesday XX/XX/2019 I deposited a XXXX XXXX   XXXX check from XXXX XXXX XXXX XXXX payable to me in the amount of {$4000.00} via Chase Mobile App XXXX XXXX. The mobile app prompt stated my current mobile deposit limited was {$5000.00} and also stated that deposits by XXXX XXXX  ET will typically be available for withdrawal the next business day, " if we need to review your deposit, it may take a little longer for your money to be available ''. So i proceeded with the deposit. 
On Friday XX/XX/2019 I noticed in wasn't showing as available and I called customer service at XXXX XXXX. I was asked a series of questions about the check, which I answered and was told the check might be " bad '' and if good to expect availability to be on XX/XX/2019. I asked if Chase could release a small amount and was told no. I than called back approximately a half an hour later to ask what type of hold it was and told a " system '' hold and again told I couldn't have even {$200.00}. I had {$29.00} in my bank account during these conversations with Chase.

I have direct deposits going in weekly and monthly, I have had the account for over two years, and have one or two instances of insufficient funds under the amount of {$20.00} ( not including fees ). I understand why and what prompted the fraud alert ( large amount ), however I thought there were laws that made a small amount available.
Consumer complaint received 2019-04-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I've requested XXXX XXXX servicing to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (NJ)

Last XXXX I called PNC Bank customer service for my account number to receive my stimulus payment. The customer service agent gave the wrong account number. I contact the IRS, XXXX XXXX XXXX XXXX XXXX, and PNC bank to no avail. Its going on 2 years since they gave me the wrong account information, I want my stimulus payment deposited to my new account with XXXX XXXX.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

on XX/XX/XXXX a letter was sent to COMMONWEALTH FINANCIAL asking to provided Validation of Debt and HIPAA authorization which they could NOT provided.

The debt doesn't belong to me.

Not only that they couldn't provided the proper documentations I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permis- sion to ( COMMONWEALTH FINANCIAL ) for them to release my medical information to a third party.
Consumer complaint received 2021-03-17
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. (NC)

I mailed a formal written complaint to Equifax, XXXX, and XXXX on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from Equifax, XXXX or XXXX  for either request on the XX/XX/2021 or XX/XX/2021.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, Chase Bank called me about deposits made to my checking account. One deposit from a friend was rejected because his name is not on my account. I didn't know if someone sends a monetary gift & their is not on my account Chase rejects it. The other 2 deposits to my account were credited but after the one amount was rejected, Chase decided they needed to investigate where I get my money from. They never informed me what the problem was until I made several phone calls to different departments in Chase. I was finally told what the amounts were that were in question. I was able to prove that one deposit was sent to my Chase account from my XXXX account which has my name on it. The 2nd amount was sent to me by my son and his name is on the XXXX account and my Chase account. My son & I had to go to a Chase branch to prove these accounts were ours. I also had my social security XXXX check deposited in to my Chase account. Because the Chase representative that called me XX/XX/2019 obviously go upset, she restricted my account and then eventually closed the account because she was mad. My account shouldn't have been closed because the representative felt like closing it for no reason. as a result, my SSD check went to the closed account and now I have to wait 10-15 days before I get my check. I asked the Chase executive office to listen to the phone call made to me on XX/XX/2019 and that representative should be reprimanded for closing my account because she was angry and felt like making me suffer. Chase finally mailed my money in the closed account but I don't have my XXXX check. Because I didn't have access to my money I wasn't able t get my medication, go to the doctor or buy food. I'm a XXXX year old female, XXXX   and I had to go to the ER to get medication because I didn't have any medicine or money to get my medicine because Chase held my money. I have never been so humiliated, insulted, hurt and embarrassed as I was because of the way I was cheated by Chase unnecessarily.
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

The company MyLoancare servicing has not paid taxes on the the property to the correct county for two consecutive years. I have spoken with the company for months with no resolve. The normal payment is XXXX. A escrow analysis was completed due to the incorrect parcel. The taxes were paid to another county XXXX XXXX XXXX. The property I reside in for the last 20 years is located in XXXX county. After the payment. Of XXXX in taxes was paid the new analysis escalated my new payment to XXXX to make up the escrow. The agency said they would do a new analysis this has not been resolved and they will not answer my questions or make payment to the correct county to remedy the issue. 
XX/XX/XXXX new analysis XXXX multiple call, letters, tax documents sent to MyLoancare XX/XX/XXXX place in COVID Forbearance XXXX XXXX calls no remedy for tax payments for XXXX and XXXX
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (PA)

Today and for the past 3 months, I have had intense financial distress, and been unable to meet all my obligations. One of those obligations has been my car loan. Everyday I receive no less than 5 calls from XXXX XXXX concerning the vehicle. These calls are harassing, and when I do speak with someone they don't offer any resolution to my problem. The amount of phone calls I receive is outrageous, and it's throughout my work day, and the weekends, they never stop calling. I even had a note stuck to my front door concerning calling them. I have asked them not to call me during my work hours, that lasted about 3 days, and then right back to the repeated calls.
Consumer complaint received 2021-09-09
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)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2019-04-04
Product: Checking or savings account — Savings 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: WELLS FARGO & COMPANY (CA)

wells fargo savings account # XXXX. 

On XX/XX/19 {$12.00} wrongfully charged. This was a fee for depositing a check in an atm one day over the 6 month limit. 

I was told I could deposit it up to 6 months from date of check by Wells Fargo employee. But he did not tell me that I actually have one day less when I deposit it through the ATM instead of through the teller. This {$12.00} should be refunded because i was misinformed that I had one day less when using the ATM.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$480.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2021-03-17
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)

I have reached out to Equifax on multiple occasions to have the remove information from my credit profile that I have disputed and proven to be wrongly reported information I have sent out multiple letters calls and even one company had already requested that they remove accounts I have disputed and they have yet to remove them or the fraud inquiries I disputed in which
Consumer complaint received 2021-09-09
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. (FL)

This is the 3rd time trying to fix the problem with Equifax and they still haven't fixed the problem, They even sent me a letter with the inquiries that they removed and when I checked my report, they are still there. I have called them and they said they will not removed them. This company is a waste of time and very unprofessional. I would not recommend this credit bureau to anyone especially if you are trying to get a membership with them.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

On XX/XX/22 my credit card ending in XXXX was closed, without any notification of closure. They state it was not used for more than 12 months, which is correct, but had I known this was an issue, Id have used my card, or contacted them advising not to close my account. The closure of the account now affects my credit as well as my spending credit limit. I tried to reach out to have my account reactivated, but they advised me it would create a hard request towards my credit which will also reflect negatively on my credit report. They are unable to offer me any options to rectify this situation and have left me with no other choice but to file a complaint. All Im asking for is one of two things, reactivate my account without an attempt to pull my credit history, or raise my credit limit on another account I have with them to include the credit amount on the account that was closed.
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XX/XX/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  I've contacted the company and they did not give me any information. I've contacted XXXX AND TRANSUNION To remove these unauthorized inquiries from my credit report and they have not done it.
Consumer complaint received 2018-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

On XX/XX/2018 with Quicken loan via the chat option. In order to get a simple rate quote the person at Quicken loans insisted that I provide a lot of personal information such as date of birth, social security number and so on. What they really wanted to do was to take an application and get me roped in. The other mortgage companies that I spoke with did not need this information. The other companies just needed to know cash out refi, FHA loan, 85 % LTV and my credit score. I had to ask more than once for him to give me his NMLS number. I have saved the chat log and can provide.