davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX up from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal.XX/XX/XXXX ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

EQUIFAX HAS VIOLATING MY RIGHTS CONCERNING 15USC 1681i ( a ) ( 1 ) ( A ). UNDER 15 USC 1681i ( A ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( F ) AND EXCEPT AS PROVIDED IN SUBSECTION ( G ), IF THE COMPLETNESS OR ACCURACY OF ANY ITEM OF INFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BYTHE CONSUMER AND THE NOTIFIES THE AGENCY DIRECTLY OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE DISPUTED INFORMATION IS INACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( 5 ) BEFORE THE END OF THE 30 DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. I HAVE ATTACHED MY XXXX  SMART CREDIT REPORT THAT HAS XXXX AND XXXX THAT SHOWS NO BANKRUPTCY AND EQUIFAX IS SHOWING A DISMISSED BANKRUPTCY THAT HAS TO BE DELETED BECAUSE IT DOES NOT MEET STANDARD COMPLIANCE FACTUAL DISPUTE. XXXX XXXX DOES NOT HAVE A BANKRUPTCY IN MY FILE SO EQUIFAX IS LIEING STATING THEY VERIFIED WITH XXXX XXXX I DEMAND DELETION NOW
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION (HI)

Date : Wednesday, XX/XX/XXXX. 
Amount : Service to withdraw large bills. 
Action : Discrimination/Harassment with service due to religious exemption from wearing mask. 

What happened : Let me start by saying, I have banked at Bank of Hawaii for years and have always appreciated their service. I think it's a great organization and it has helped me with several banking services throughout the years, which I am grateful for. 
However, I have a legal federal religious exemption from wearing a mask. On this day I was asked to leave the building when I tried to gain access to my bank account to withdraw large bills. Someone behind the counter called security. XXXX, an employee, appeared from behind the teller counter and asked me to put on a mask. I told him I had a legal federal exemption, I even provided paperwork. XXXX explained " store policy '' required that I wear a mask. I tried to explain Law supersedes store policy. XXXX said " I know '' but preceded to request I wait outside. XXXX took my ID, withdrawal slip, and asked me for my bank account information just outside of the front entrance. After I gave him the information ( again we were outside ) he asked me back inside so I could sign the withdrawal slip. XXXX took my withdrawal paperwork along with my ID to retrieve the money. I waited at the back wall, until the manager, XXXX ( I believe ), walked over from her desk, insisted I wait outside, and escorted me out the door. XXXX and his manager, XXXX, came outside with an envelope holding the amount of cash I requested to withdraw, over {$1000.00} in large bills. XXXX asked me if I wanted to count the money there, at the front door of the bank, or in my car, and she had very angry and aggressive tone. Either option is not an acceptable safe and secure place where I want to expose the money I had just withdrawn. The parking lot had other people, not to mention we were standing at the front door where people walk in and out to access the bank. I told them I'd prefer to count the money inside the bank. XXXX was visibly cross and her tone was angry. I explained I did not want to fight, I even held up my hands in surrendor. I explained, again, I have a legal federal exemption. XXXX angrily said that my exemption did not work at the bank. When I reminded her the bank is a public place of business, XXXX rolled her eyes and ultimately allowed me back into the building where the money could be counted in private, safe, and secure place. As the bank is governed by the Federal Reserve, I imagine they must abide by federal laws. US Federal Law Title II, Code 42- 2000 ( a ) which states individuals have free and equal access to all facilities and services in business establishments, regardless of store policies. Furthermore, denying my service or requiring me to be served outside or be limited to home delivery is a violation of Title II, III and VII of the U.S. Civil Rights Act of 1964.
Consumer complaint received 2020-08-28
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. (GA)

XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assisstance to correct these accounts in my credit file 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 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (OK)

I loss 36 FICO points in XXXX because Wells Fargo decided to close all their lines of credit accounts. I am not concerned that they decided to close all credit accounts l just want my 36 points reinstated. It ook a lot of hard work and sacrifices to obtain those points and based on one lousy line of credit the bureaus just takes my points like that! Why are consumers being punished for the banks past transgressions.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Two credit cards were applied for an opened up in my name on my Bank of America account. As soon as I noticed ( today, XX/XX/21 ) I contacted Bank of America and had the accounts closed. They told me to report it as identity theft as well.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open account associated with my XXXX XXXX Balance : {$240.00}. 

During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open account on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open account on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open account. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

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 has violated my rights. Or a list of inquiries : 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Our City tax has always been less than {$800.00} and County tax around XXXX. 

We got an escrow statement from the mortgage company stating XXXX is our city tax and county tax is also XXXX. Note : The 2 amounts are exactly the same, clearly indicating that there has been a mistake on their side. They have increased our mortgage payment by {$1200.00} per month. When we call them ask them. They want us to prove what our taxes are ( The mortgage company receives the bills directly ). They are being very uncooperative and unhelpful and not willing to rectify the mistake they made.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.
Consumer complaint received 2020-11-15
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 — Investigation took more than 30 days
Company: AES/PHEAA (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been disputing the bankruptcy on my credit report since XXXX because Transunion keeps stating their investigation results indicates the information was verified as 100 % accurate, timely and fair. However, we all know that's not the case because as I was already advised, that the bankruptcy courts should be the only data- furnisher and they do not report any information to any credit reporting agencies neither do they report to any third- party agencies such as XXXX XXXX and XXXX. I contacted the Bankruptcy Courts via-telephone and in writing XX/XX/XXXX and received a copy of the letter from the Bankruptcy Courts indicating the above. The letter has been sent several times but it appears as if they are refusing to review my information but have no problem sending a generic e-Oscar letter outlining the procedures of how investigations work. 

As a final attempt to resolve this matter voluntarily, I sent a certified package XX/XX/XXXX requesting a Reinvestigation and Method of Verification to include the following : The complete name of the courthouse, person they contacted and verified the dispute with, the address, the telephone number along with the documentation used to verify the dispute. However, still refuses to provide me with the information I requested. They sent a copy credit file # XXXX which included another generic XXXX letter explaining the bureaus procedures but not the procedures they followed for my investigation. 

The severity of this matter is serious since according to the FCRA and the agreement with the Attorney General they are to conduct an independent investigation. Transunion doesn't care about what they are reporting on a consumers report and they are in violation of non-compliance for FCRA section 609 a ( 2 ).

I am requesting that this inaccurate information is removed from my report, and upon completion provide a full printed complete and updated copy of my entire credit file.

Thank you for your attention to this matter.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

someone I was in a relationship with opened XXXX different XXXX XXXX XXXX phone accounts worth over {$5000.00} using my name and personal information. I have tried to dispute this and have it removed but have had no success. The account was actually removed from my credit, sold to someone and placed back on my credit report!
Consumer complaint received 2024-02-14
Product: Credit 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: AMERICAN EXPRESS COMPANY (MI)

American Express, I discovered that a transaction on my American Express card was a result of fraud. In XXXX of XXXX I immediately initiated a dispute, and American Express started an investigation. They provided me with a temporary credit of {$7700.00}, which the merchant, XXXX XXXX XXXX, XXXX, refused to refund. After multiple attempts and complaints, I discovered that the merchant had been sued for deceptive business practices involving elderly customers. It was then that I realized I was a victim of fraud. Within the agreement I signed with the merchant was a 100 % money-back guarantee if XXXX XXXX failed to provide services which they did not. 

If we can not reach an amicable resolution within the allotted time frame, I will proceed with the filing process. My claim will be resolved through arbitration under the applicable rules of the XXXX XXXX XXXX. The best and most convenient way to contact me about this matter is through email. Please send all correspondence to the email below. I enjoy being an American Express customer and thank you for your time and attention to this matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Experian XXXX XXXX charged my credit card {$26.00} on XX/XX/2021 for services that I had not applied for and that I do not need.