davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (KS)

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2021-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I 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 am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Holdings, LLC (MI)

XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in XX/XX/XXXX.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank
Consumer complaint received 2021-11-01
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. (MS)

I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced. 

I have no money left. 

In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX  and XXXX  which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX  did not do. 

XXXX has been receiving {$35.00} a month for at least a year. 

XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment. 

I have not heard from them after two contacts in XXXX. 

They now ruined my credit by submitting 4 collection cases to XXXX.
Consumer complaint received 2020-10-31
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. (TX)

I didnt apply for this Best Buy credit card and they were payments in my name was taking out of this account and my checking accounts were taken over by a fraudster and I call Best Buy and told them I didnt applied for the credit card in my name and I ask them to return the payment of {$1500.00} that was made on XX/XX/XXXX back to Citibank and I didnt make this payment and I dispute it with Citibank and it was denied and Citibank NA is putting me in debt over this amount and I will not pay for it ... Best Buy has closed this fraudulent account and continue to send me mail to a vacant address and I had to drive and pick up the letters and I dont live there all and they was credit card send there as well and I didnt apply for it and I want the payments and all the ACH peyments return back
Consumer complaint received 2021-04-26
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)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CU 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

I had my credit pulled recently to purchase a new home to find that US Bank had reported a 30 day late on my mortgage for XX/XX/2020. I refinanced my home in XX/XX/2020 and they received payoff for this mortgage on XX/XX/2020. I have verified that the XXXX payment was received and that they received the payoff of my mortgage on XX/XX/2020 leaving no payment due for XX/XX/2020. 

I have been contacting US Bank every day since XX/XX/XXXX to resolve this issue and still do not have resolution. They have provided a letter stating that the XXXX payment was not past due, but have yet to provide something stating that the XXXX payment was reported late in error on my credit. 

I have spoken with 11 different customer service reps and all but 5 of those were supervisors. Yesterday my husband reached out to them as a second voice and when he asked them about correct the letter finally provided to reflect the XXXX payment not past due as we requested, they said they could not help because their supervisor was no longer available, but that we could follow up on this tomorrow. Tomorrow being Saturday, XX/XX/XXXX. He asked if the supervisor would be there in spite of the fact that it would be Saturday and was told yes. When we called today, Saturday XX/XX/XXXX, they were of course closed. 

This error on their part has lowered our credit scores from the 780 range down to 660 range and is costing us tens of thousands of dollars as we have already sold our current home and have a {$20000.00} Earnest Money deposit on our new home that would be lost if we walked away from that transaction. They are leaving us with little choice but to close on our home at a rate that is more than 1 % higher and is requiring that we will have to pay XXXX  points for discount fee. 

I am sure that we will be in a position to refinance out of this loan when we finally resolve this issue, but it will then cost us another set of closing costs. 

We are engaging legal counsel against US Bank at this time.
Consumer complaint received 2020-09-02
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: GOLDMAN SACHS BANK USA (CA)

In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.
Consumer complaint received 2020-11-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

The XXXX  XXXX XXXX XXXX XXXX credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/2019, I was a victim of the XXXX XXXX XXXX I ignorantly cashed checks against my checking account not knowing that they where bad checks and I was involved in the XXXX XXXX XXXX. My checking account was closed for bad checks which was associated with the XXXX XXXX XXXX and the remaining of personally funds of {$930.00} is being held against my will at City bank. City bank did not give me a reason a for why they are keeping my funds. City Bank continues to tell me that I will receive a check within 30 days but I have not yet received any funds and it has been a few months since I made the request. I have lost thousands and thousands of dollars and I am trying to fix this situation and have gotten any support from the above the banks. I am a victim of a XXXX XXXX  XXXX.and I need help getting this situation resolved. I owe on a {$6600.00} loan I pulled out to pay for the taxes on my so called winnings and am paying back money to XXXX XXXX  as a result bad checks associated the XXXX XXXX XXXX
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MD)

Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this  issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.
Consumer complaint received 2020-10-15
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.