davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
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. (IL)

As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

ERC contacted me i told them the debt was not mine and that XXXX   deleted it also and sold it to them because it was identity theft, this is very sad that ERC is being unethical and buying fraudulent debt i may have to contact an attorney for this matter. ERC is threatening to report to the credit bureaus also. i have contacted XXXX XXXX also. 
agents name is XXXX XXXX on this demanding letter.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

I have been incarcerated for the past 3 and 1/2 years. Now Im trying to get my life together and I find out my credit is XXXX due to some unpaid debt that occurred during my incarceration. I tried disputing it and that didnt work.
Consumer complaint received 2021-03-29
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. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2019-08-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

JPMorgan Chase and Company may have attempted to divert some of the $ XXXX Consumer Relief/Restitution to home mortgage loans held by Chase for investment ; and, at the same time deny consumer relief/restitution to Chase-originated home mortgage loans serviced by others. XXXX XXXX XXXX was told that if she had requested mortgage assistance during the time that JPMorgan Chase Bank, N. A. serviced her loan, that she would be eligible for consumer relief from this settlement ; however, when XXXX XXXX XXXX produced proof that she had in fact requested mortgage assistance during the stipulated period, she was denied relief/restitution from this settlement. 
The XX/XX/2015 Status Update from XXXX XXXX XXXX, XXXX stated that : Loans held for investment JPMorgan Chase Bank, N. A. would receive relief ; while loans serviced by others would not be eligible for consumer relief under the $ XXXX Consumer Relief Settlement. This implies that an undetermined percentage of the 123,737 consumers who received relief this settlement were holders of Chase-owned mortgages, held by Chase for investment purposes. The Department of Justice was never given a list of the consumers receiving restitution ; thus, some or all of the $ XXXX of restitution owed to American owners of Chase-originated Toxic Mortgages ( e.g., XXXX XXXX XXXX ) may have been misappropriated.
Consumer complaint received 2018-07-31
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. (TN)

I sent a letter to Dispute two collections from the company medical financials on my equifax credit report. I dont owe these amounts. I mailed supporting documentation that proves that information is inaccurate on my credit report. Equifax sent me a letter stating that collections would not be removed. My rights are being violated, I would like these collections removed from my credit report.
Consumer complaint received 2021-07-09
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. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (WA)

On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2022-12-18
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)

XXXX, Equifax, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Consumer complaint received 2022-08-22
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. (MD)

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) - permissible purpose of consumer reports Equifax has violated my privacy and consent. They assumed a vital role in assembling and evaluating consumer credit and did not exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax never requested or obtained written instructions from me to use my information
Consumer complaint received 2018-07-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MSV RECOVERY LLC (IL)

I had several issues with Upstate Services ( https : //upstateservices.net/ ). 

I returned several calls and voicemails on XX/XX/18 from them ( left both on my cell phone and on my work phone the prior week ) and requested a written validation of my debt, which I was told was a " waste of their time '' since I would not pay anyway. The company also called several family members and friends, stating to some of them they were making a final attempt on a complaint against me before turning it over to an attorney. The company also left a voicemail stating this in one instance. On a second call that day with the company, I asked for them to confirm the phone number of their company. The individual I spoke to refused because I had already called them back and had the number.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX is reporting my date of birth wrong. The report shows XX/XX/XXXX which is incorrect. My accurate date of birth is XX/XX/XXXX. Due to this error there's a collection acc # XXXX in the amount of {$22000.00} that is showing in my credit file. I have asked EQUIFAX numerous of times to reinvestigate this account and each time I got nothing back with proof of investigation. There's also an address that is on my report that I humbly asked them to remove XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never lived at the above address. There's also credit inquiries I did not authorize. My personal information such as disabled/retired is being exposed as well. I did not give my consent to have that information disclosed. I understand my consumer rights and wish to have all issues resolved promptly.
Consumer complaint received 2018-02-03
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. (FL)

There are multiple inaccuracies on my credit report. My report should have a freeze on it and equifax is still allowing inquiries to go through without my permission. I have 20 fradulent inquiries all while there is supposed to be a 7 year freeze. The second issue is that I resolved with a creditor an account for XXXX/XXXX XXXX  for it to reflect as settled in full ans I provided this letter from the creditor to Equifax and they have refused to update my credit report.
Consumer complaint received 2021-07-09
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: CITIBANK, N.A. (WI)

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at Home Depot, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

Home Depot and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB + Capital One, This is for Capital One account ending in XXXX. 

On my latest XXXX credit report dated XX/XX/XXXX it states I have 90 day late payment on XX/XX/XXXX and 120 days on XX/XX/XXXX. 

Capital One according to your attached letter - you were removing all late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The secured credit card account was closed, with a {$0.00} balance, on XX/XX/XXXX. 

However, XXXX is showing I have late payments on XXXX and XX/XX/XXXX- which is not correct, as the account was closed XX/XX/XXXX. 

( By the way XXXX and XXXX do not show this ). 

Can you please prepare a more clear letter from Capital One that states this? 

I have tried to rectify with XXXX and they say you need to provide them and myself a letter stating as such so they can remove. 

Attached to this CFPB complaint are : - drivers license - social security card - address - snippets of the credit report - your letter to me that needs to also add the parts to remove late payments for XXXX and XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-09
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. (CO)

In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and XXXX  refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.
Consumer complaint received 2021-03-29
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. (CO)

I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.
Consumer complaint received 2020-06-03
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. (NJ)

This is in response to Equifax reply/response to complaint # XXXX. Your response and inaction is unacceptable. I dont want to hear about results you mailed to me. I did not authorized Hard inquiry request. After 4 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete immediately and they continue to refuse. They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. So in leu of that according to Section 604 of the  Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization EQUIFAX TAKE NOT I DID NOT AUTHORIZED RELEASH OF MY CREDIT FILE. YOU WILL NEED TO SHOR ME CONSENT FROM MESELF GIVING PERMISSABLE PURPOSE ACCORDING TO THE FCRA Sec.604. DELETE THESE HARD INQUIRYS IMMEDIATELY. FAILURE TO DO SO WILL LEND ME TO FILE LEGAL ACTION IF YOUR NEXT RESPONSE DOES NOT INCLUDE DELETION OF HARD INQUIRY IN QUESTION. I DONT WANT TO HEAR ABOUT A INVESTIGTION THAT YOU COMPLETED AND RESULTS MAIL TO ME. YOUR INVESTIGATION WAS FAULTY AND YOUR CLAIM WAS NOT BACK UP WITH ANY PROOF. PROVIDE PERMISSABLE PURPOSE DOCUMENTS OR DELETE THERE IS NO OTHER SUITABLE OUTCOME. TRY ME AND I WILL TAKE LEGAL ACTION.
Consumer complaint received 2022-08-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc (CA)

I received a statement dated XX/XX/XXXX after I made a One Time payment offer of {$130.00} claiming I still owe {$1300.00}. Accompanied with this statement was a letter headed by the collector, this one dated XX/XX/XXXX that references the account number and reads as follows, To Whom it May Concern : Please see attached paperwork for the 1 time payment Quick Discount Agreement that was made online for the Account ( Leaving blank here as stated above ). Per the online payment agreement would resolve the account at a discounted rate. Please Honor that agreement as the one time payment of $ XXXX was made on XX/XX/XXXX. Please note that this is to settle the debt and it is not my acknowledge of liability. Please report to credit agencies as paid in full or the equivalent best case scenario and have this removed from my credit files SINCERELY, MY NAME INSERTED HERE With the above statement was a photo of the online payment that was made which shows the title stating Pay in! installment followed by, Quick Discount allows you to make a one-time payment and resolve your account at a discount. TORAL {$130.00} ( DISCOUNT : 75 % ) I called today XX/XX/XXXX to ask about the confusion in the letters received and was told that the one time payment was not for an agreed amount of {$300.00} which was not the case giving that the online payment clearly shows and states the discounted 1 time payment was in fact for the amount of {$130.00}. i Spoke with 3 individuals on the matter due to being transferred a few times. I can provide their names if requested. At the end of the conversation, the Manager claimed she can no longer help me since i don't want to agree with her terms and that she would not honor the letters sent by their company and would in fact not resolve my account and then hung up on me after a sarcastic " HAVE A GOOD DAY ''.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I feel discriminated against by CHASEBANK I applied for my first credit card with them since I just became a us citizen and wanted to build a relationship and open my first card with them they denied me claiming my credit history but how do they expect me to have one when I just became a citizen and want to have my first credit card with them they are nit beinf complainant or nice they declined me
Consumer complaint received 2018-11-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MRS BPO, LLC (TX)

This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.
Consumer complaint received 2021-07-09
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: CITIBANK, N.A. (CO)

In XXXX of 2020, Citi bank reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX updated my report and removed the late payment remark. XXXX and XXXX refuse to assist me and remove it from their reports. I have multiple Citi Card accounts and have made payments to them over the last year over {$30000.00} without being late.
Consumer complaint received 2021-03-29
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. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.