davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (VA)

XXXX ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) NHCASH.COM is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.
Consumer complaint received 2022-08-04
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: Uplift, Inc (TX)

According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
Consumer complaint received 2022-02-21
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. (VA)

XXXX XXXX Equifax Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an XXXX XXXX Account XXXX being reported. I also reached out to XXXX on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX lmation XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to Equifax and instructed them to DELETE the derrogatory reporting. As of this reporting, Equifax has failed to respond, and I am asking that this item from XXXX be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
Consumer complaint received 2022-02-21
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. (OH)

XXXX, Equifax and XXXX is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the Dodd-Frank Financial Modernization Act of XXXX. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a UDAAP violation and should be stopped immediately.
Consumer complaint received 2016-11-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (MA)

Received notification that Paymap Inc. and the CFPB has reached an agreement regarding the XXXX program ( AP File No. XXXX ). I either did not receive or have misplaced check and was advised via letter that I needed to request a reissue check by XXXX XXXX, 2016. I failed to do this as I was on vacation. I understand that my check would have been in excess of {$400.00} and I would like to see if consideration could be given to have a check reissued.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.
Consumer complaint received 2022-02-21
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. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-04-21
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: Tower Loan of Mississippi, Inc. (MS)

Tower loan has run my credit several times and i have not tried to take out a loan or given them permission in any way to run my credit. I reached out to them and they have denied running my credit.
Consumer complaint received 2022-02-20
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 XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 2020-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MT)

I refinanced our home with another lender. On XXXX the mortgage was payed off in full. On XX/XX/2020 I was charged a private mortgage insurance payment. After the full balance was paid I was charged Two more P.M.I. payments on XX/XX/2020 on a XXXX  balance loan. I contacted the mortgage company Wells Fargo to complain about being charged for the P.M.I on a XXXX  balance loan. See the attached response. Wells Fargo representatives told me that payments to P.M.I are made in rears. So I owed them the money. Now they are saying that because my mortgage was paid off on the first day of the month I owe for the whole month on a mortgage that has a XXXX  balance and would not require insurance. See attached letter from Wells Fargo.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I opened a citibank credit card about 2 months ago with the acquisition offer of 80,000 thank you point if I make purchase of 4000 dollars in the first 3 months. I have been trying to reach the 4000 dollars in orders to get the initial sign up bonus. however, I have experienced a lot of difficulties of using the credit card. Specifically I have been declined 5 times in the past 30 days which worth more than 1500 dollars purchase when I tried to use the credit card. Every time, after I get declined, I tried to reach out to Citibank to get the fraud/ security alert removed. But because Citibank already declined by transaction, so I have to use my other credit cards to pay for it, therefore there is literally no way for me to reach to the 4000 dollars in order to get the 80,000 thank you point. I have made more than 3500 dollars, and it is getting impossible to reach to the 4000 dollars now because Citibank keeps declining my transactions, and called this is security reason. 

Everytime when I tried to call citibank, I was asked to verify my citibank checking account information. But my citibank checking account has been closed for a long time, and it doesn't even show up on my citiibank online portal., how could I be able to answer the account number question of the account that been closed for a long time? isn't this crazy? 

What I need from citibank ; 1. even though i have not reached to the XXXX000 dollars spending requirement yet, because i am getting super close to the 4000 dollars, and plus citibank keeps declining my transaction, there is no way for me to meet the requirement. I want 80,000 thank you point to be granted to me right now. 

2. i need citibank to review why they still show my checking account as that account has been closed for a long time. this account should NOT be used for account security verfication/ authentication purpose. 

3.I told rep that I could verify my cell phone, my credit card info, my SSN, home address, and all the other info on my account, but I don't have related account info with me,, the rep just can not proceed further. i personally find this is ridiculously, this is suggesting that i am being punished by having multiple products with citibank. if this is the case, maybe to make it easier, I should just stop doing business with you guys all together.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc. (NC)

The company TriVerity , Inc. is attempting to collect money from me in the amount of {$1100.00}. I don't know why they are saying I owe this money and how they came to this calculation.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (DC)

I was a XXXX XXXX customer with autopay ( XXXX on time payments ) since at least XX/XX/XXXX. I left XXXX in XX/XX/XXXX. They charged my credit card the full amount of service one month later, even though they always billed in advance. They also did this the prior month when I took a family member off my family plan. There was also no prorating of charges. 

When I called XXXX to ask for an invoice to see what i was paying for ( 3 calls : in XXXX, XXXX and XX/XX/XXXX ) they did not explain it well to me ( they used extremely complicated " in house '' jargon ), and refused to mail me an invoice, saying that I had paperless pay so they could not mail me anything. However, I no longer had access to my verizon account online. 

I was fed up, so I disputed the {$51.00} charge with XXXX, my credit card company, on XX/XX/XXXX. On XX/XX/XXXX, instead of responding appropriately to XXXX, XXXX reported me delinquent to XXXX and sent the {$51.00} to collections with IC Systems. 

They later reported me to XXXX, as well. 

I disputed the debt with XXXX but it appears they " sided '' with XXXX. ( I had to call them a second time because the dispute resolution forms they mailed me made no sense ). 

I tried calling XXXX 8+ times over the month of XXXX. I was hung up on repeatedly ( I was not being irate, or raising my voice ) and had reps tell me " I can't hear you '' when I had full service and have never dropped a call from my home, almost as if that were a strategy that XXXX taught their reps, and multiple customer service reps gave conflicting information or made promises that were not fulfilled. 

For example, on XX/XX/XXXX, a XXXX customer service rep kindly told me he would remove the charge from my account and that everything would be resolved in 48 hours. On a subsequent call a few days later, I learned he had no capacity to do that because the " debt '' was already in collections. 

I paid the amount today ( XX/XX/XXXX ) through IC systems debt collectors because I essentially had no recourse, I was bullied into paying it. 

There is no justification for a company to : - Not provide an invoice - Not respond to a credit card dispute, which is what made the bill turn negative anyway - Not give me any advance warning that a bill was going to collections For this piddly amount to negatively affect my credit score for the next 7 years on my credit reports -- - after about 140 on time payments -- seems unjust. To make matters worse, I am currently house and / or apartment hunting and am afraid that, despite today 's payment, I will be denied housing or charged more for a mortgage.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I am getting repeated emails from a debt collector in southern California who claims that I owe nearly {$600.00} dollars for a electronic traffic violation in XXXX XXXX two years ago. I have not left the country in over 10 years. I received the latest email at XXXX today, XX/XX/2021. I have received 3 of these so far. I have been sent to collections before, I have never seen an email trying to collect period, especially with just vivid writing and font, I called the number, there was a totally generic operator that answers and a very disgruntled, mean woman picked up the transfer. When her tone was too much to bear we had words and she told me off and hung up, which is suspicious in of itself. They go by the name of Cedar Business Services and they claim to be based in XXXX California, The also want me to contact them at email XXXX XXXX XXXX XXXX, another weird sign, trying to be more official.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. XXXX, Equifax and XXXX hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. 
I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation (GA)

Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my XXXX check.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. 

STELLAR RECOVERY INC failed to notify the credit reporting agencies that the debt is disputed.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

We wrote out personal checks to XXXX XXXX and XXXX  XXXX to pay our credit card bills XX/XX/XXXX for a total of XXXX from our Citibank checking account. They were mailed but never were received by the credit card companies. The checks had apparently been stolen, endorsed by person ( s ) unknown and the checks were cleared by Citibank with the amount deducted from our checking account. We first notified our credit card companies to investigate as we thought the checks were received but not credited to our account. The credit card companies never located our checks. On XX/XX/XXXX we called Citibank and asked for copies of the cashed checks. On review the checks were signed/endorsed with XXXX different signatures. We contacted Citibank again and they insisted that the credit card companies sign an affidavit stating they did not endorse these checks which they couldnt do since they never received them in the first place. This went back and forth with Citibank customer service for a few months. We then physically went to our Citibank branch and spoke to the manager who took our information and opened up a new case. I believe this was in XXXX. We waited a few weeks to hear. Phone calls and emails to this manager went unanswered. Apparently he had left this position. Went back to the bank in XXXX. Spoke to a different manager. A new case was opened with our documents. We were given a different affidavit that we had to complete and notarize stating we dont know who endorsed those checks. Physically brought this to the bank. Again waited to hear. No response to phone messages or emails. This affidavit somehow got lost. Apparently this manager also left. Went back again in XXXX. Spoke with yet another manager. Completed this affidavit again. Documents again sent to Citibanks fraud department and the case opened again. Latest update is that the banks who initially cashed these checks back in XXXX have to complete their investigations which can take up to 60 business days. The active case number is r XXXX. The manager who is helping us now is XXXX XXXX. The branch is at XXXX XXXX XXXX XXXX XXXX  XXXX New York. Her number is XXXX XXXX XXXX. Email address is XXXX. We really dont understand why Citibank isnt crediting our account since these checks were so obviously fraudulently cashed. This has been going on since last XXXX. We have been longtime Citibank customers and can not believe their customer service is so appalling.
Consumer complaint received 2022-02-21
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX