davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NC)

I have spoken to Elan Financial Svcs on numerous occasions about not turning in correct information to the credit reporting companies. I have paid Elan Financial Svcs off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent reporting.
Consumer complaint received 2019-12-20
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. (NC)

I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number: XXXX I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2021-12-15
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: CITIBANK, N.A. (NY)

On XX/XX/2021, someone attempted to get CBNA credit in my name. I immediately contacted CITI. The representative said, " If you had not contacted us, we were going to contact you. '' The CITI representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. XXXX has refused despite numerous disputes.CITI provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with XXXX supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed SIX disputes since XXXX. 

I respectively ask that the CITI and XXXX immediately remove the fraudulent CBNA hard inquiry on my credit report.
Consumer complaint received 2017-01-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: BTH Management (WA)

In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/XXXX I completed a settlement agreement with Chase Card Services, ( Chase Bank ), initiated by Chase, to pay a portion of the outstanding debt related to my credit card. In return, Chase agreed to forgive the remaining balance on the account. I adhered to the terms of the settlement agreement and the account was closed and I was no longer indebted to Chase. Effectively, I agreed to Chase 's proposal, my remaining debt was forgiven, my account was closed and I now did not owe anything to Chase. In fact, my relationship with Chase was terminated at this time. 

On or about XX/XX/XXXX I entered into a refund arrangement with merchant XXXX to return an item purchased there in XXXX and they agreed to issue me a check for the refund. They mistakenly credited the refund to my closed Chase credit card account and Chase accepted the funds. The amount of the refund is {$1700.00} ( transaction id # XXXX ). 

I contacted Chase and spoke to supervisor XXXX, id # XXXX and was told that Chase would not be returning the funds to me or XXXX but would instead be using the funds to settle outstanding debt on the account. I contacted other depts at Chase ( Fraud dept, payments dept, recovery dept ) and was effectively told the same thing. I believe that Chase is not entitled to do this because, per our settlement agreement, I have no outstanding debt to Chase to settle and these funds were clearly being sent by XXXX with the intention that they would be received by me with Chase operating as my agent. These are the issues : 1. Misappropriation of funds/theft : Chase is intercepting/withholding funds belonging to me under the auspices of settling a debt that I do not owe. 

2. Fraud/bad faith : Chase accepted the transfer of funds from XXXX that were meant for my benefit using an account that has been closed for more than one year that I have no access to or control over. Chase should have rejected the transfer because the account was closed. Chase should have disclosed to XXXX that the account was closed and that the funds would not reach the intended recipient ( me ). 

3. Breach of Contract/ethics : Chase had entered into an agreement to settle the account and forgive the outstanding debt if certain conditions were met. Chase is now, effectively, ignoring that contract and re-writing the terms of it. 

I expect Chase to reimburse the funds that belong to me from the XXXX refund. In spite of my request for documentation supporting their claims, Chase has not provided any evidence in writing or contractually or through disclosures that supports their opinion that these funds belong to them.
Consumer complaint received 2022-11-15
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)

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/XXXX with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance Owed : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

On XXXX I received a mortgage statement in the mail from our loan provider, XXXX XXXX Home Mortgage.  The letter (dated XXXX) showed that we owed a total amount due of XXXX which is more than twice the normal amount.  Scanning down the letter, I learned that XXXX XXXX had received, but had not applied to our mortgage, a payment of XXXX  on XXXX  This payment was NOT late, but as the letter explained, these funds were held in "suspense" because they were not sufficient to cover the entire amount due.  This was news to us. We have always paid slightly more than the amount due on our mortgage.  However, unbeknownst to us, our mortgage had increased due to a change in escrow, making our payment of XXXX just below the new amount of XXXX.  It seems unfair that XXXX   Bankshould a) not give us any notice that our monthly payment was set to increase and b) hold a payment (which covered more than 99% of the amount due) WITHOUT telling us for an entire month and then c) attempt to charge a $XXXX late fee.  Further complicating the matter, the letter I received makes no mention of any late fee except one that may be applied XXXX if we don't square up the account by then.  After receiving the letter, I called customer support at approximately XXXX and spent the next 15 minutes or so speaking with a representative named XXXX, who failed to explain why the late fee didn't appear on the mortgage statement even though, in her words, it was effective on XXXX the same day the letter was sent.  She also did not explain why we were not given notice of the escrow change or why our partial payment (again, of more than 99% of the amount owed) was held in "suspense" without anyone ever telling us we owed an additional XXXX thus essentially ensuring that we would incur a substantial late feel.  Any help in resolving this matter would be greatly appreciated.  And as an aside, I'm curious to know if the XXXX late fee is typical and/or if late fees are regulated in any way.  It seems inordinately high.   If helpful, I am happy to submit the XXXX letter.
Consumer complaint received 2021-12-15
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. (TX)

I have sent address update/remove to the credit bureaus XXXX different times. XXXX, XXXX, and Equifax has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, XXXX, and Equifax continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IA)

If a person pays intrest on the credit card balance one month, then pays off the balnace IN FULL the following month according to the listed debt, the company says if you don't stop using the card by the 'close of billing date ', they are going to charge you interest again. I feel this is discrimintory or discrimination. I was able to pay off my debt IN FULL, by the close date on my account, yet I was charged addition interest because i used the card in the next billing cycle - even though that balance had not been on the card for more than 30 days. A person that borrows money pays it off in full even though they are not paying until the end of the grace period time & have continued to use the card are not charged interest. This is discrimination against the person who must borrow from time to time, yet does not keep a balance on the card. According to the terms & conditions they can charge me, but they can't charge the person who dose n't pay off the bill entirely.
Consumer complaint received 2019-12-20
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)

I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.
Consumer complaint received 2017-01-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.
Consumer complaint received 2022-11-15
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)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from 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 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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MN)

Wells fargo created multiple accounts for me and when I confronted them back in 2013 about it they nearly through me out of the bank and threatened to call the police. They have a student loan that is associated with these fraudulently made accounts and have previously removed it. I noticed it reappeared on my credit reports and when I contacted the credit bureaus about it they said their is no legislation stopping Wells Fargo from opening a new account using the exact same data as before after it was already completely removed from my reports.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
If AMEX will not either reverse the charges or absorb the charges we ask that the interest charges be held in abeyance for a period of 2 years from the final dispute resolution date ( this was last week ) as it was agreed by AMEX ( and why we obtained the XXXX cash card ) that the vendor would reverse the charges and then recharge to the simply cash card. This was to allow us time to receive payment from XXXX Collection for our XXXX XXXX so we could pay the entire balance off. Thus providing this time with no interest charges to either fully address this, obtain other resolution, or reasonable time to pay the card off for charges that should not be on our card. Is AMEX willing to do this? 
I expect answers to be provided through this system and not via separate mail.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vengroff Williams, Inc (OH)

XX/XX/2021 a lady with the last name of XXXX repeated calls harrassment about something that is not true i do not owe them and they continue to call and harrass me daily she called from a XXXX and left a XXXX phone stop the calls i dont owe this scam company any money its turned into trying to plan a robberry at this point
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated 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 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the equifax data breach and may have got into the wrong person
Consumer complaint received 2016-10-20
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (MA)

Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.
Consumer complaint received 2022-11-15
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. (CA)

In accordance with the fair reporting act. The list of accounts below has violated my greatly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 t
hen 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.