davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (MO)

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so these accounts need to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all XXXX the XXXX above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you to delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NV)

XX/XX/XXXX phone contact with IC SYSTEMS INC I was never given a written letter about any collections. IC systems inc is trying to forcefully make me file a police report about this said collections without informing me on how to dispute it.
Consumer complaint received 2021-10-08
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. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-05-26
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. (OH)

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (FL)

On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

Ok, I called the Citi Credit Card on XX/XX/2023 and I was told that I owe {$2900.00}. I paid {$100.00}. and on XX/XX/2023, I made another {$1000.00}. I mentioned to the campany that their service has a lot of problem with my account. I asked that I am going to close my account that I can not continue like this. On XX/XX/XXXX I called again and I asked how much is left on my account and I again asked to close my account. I did pay the remaining amount, {$1900.00} and beg them to close my account. I was promised they did. Now, a year later, I am told that I owe {$200.00} after calling them. One of the supervisor told me that I don't owe any, but it is to my credit. Then, every other day, I got calls to make payment. I tried to explain that I don't have their credit card since I was told to discard it. No matter my explanation I am asked to pay that {$200.00} from XXXX XXXX. How is it possible I am promised that my account is closed and someone can still charge the credit card I already closed my account? I need you help in this matter. I can attach all the payment from my XXXX XXXX transactions to verify this. I thank you.
Consumer complaint received 2023-04-18
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 hands of the wrong person.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NC)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (IL)

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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 Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I closed the Fifth Third credit card and sent in the final payment of {$36.00}. They would not let me pay online or over the phone, so I had to send in the regular mail per their instructions. They said it was not received on time and continue to charge me late fees and interest. There was a {$1.00} interest they charged that has turned into {$160.00}, and now {$200.00}!! 
It's almost impossible to get ahold of a live person on the phone and often disconnects. I called XXXX XXXX and he has not returned my calls.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (TX)

1. Please see attachments XXXX, XX/XX/2022. 
Had not heard from Chase 's XXXX XXXX over the XXXX XXXX XXXX that oversees the alleged {$30.00} billion Chase purported publicly to give to disadvantaged communities since CFPB had him phone me XX/XX/2022. Received his voice mail on XX/XX/XXXX and XXXX. As I was preparing to amend my prior complaint to CFPB on this Chase matter, XXXX XXXX XXXX returned my call. Apologized for having had not gotten back to me in nearly two months. He basically said they ( he and his team ) were unfamiliar on how to disburse the said funding despite XXXX XXXX into the XXXX XXXX funding period ; said that a few cities had received funding and I asked names. Reluctantly he said XXXX and XXXX. XXXX XXXX XXXX  said a large affordable housing project had received funding in XXXX but he hinted I would have to file FOIA to obtain from city of XXXX. I reminded him of our disadvantaged XXXX XXXX XXXX 's XXXX need for affordable housing, small business development, youth center construction and historic preservation, and that during our XX/XX/2022 conversation he had assured me we would receive funding from Chase. Now he's clueless but managed to fund entities in XXXX that really do not serve the disadvantaged but focuses on homeownership. In addition, XXXX XXXX XXXX  said Chase 's products must be made to accommodate the disadvantaged and that he could not give me any timetable on when we would receive funding. Chase 's priority is homeownership rather than affordable rental housing he said, XXXX XXXX XXXX  ' rhetoric was the standard we receive when an entity is lying about helping us. They tell CFPB what it wants to hear but does nothing to honor its stated commitment to help us. XXXX XXXX XXXX only clarified his position when I had asked to speak to the head person in Chase 's executive office. He merely said they would send me back to him. I thanked him and closed our talk. 
I then contacted Chase 's executive office and the intake person XXXX was clueless. All she offered was directing me to the Inspector General. 
Please add my previous complaint on this matter also. Thank you.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX CARD SER Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX  XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I wrote to TransUnion requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from TransUnion or any acknowledgement that an Investigation has started. I've attached my proof. 

I requested an investigation for XXXX : Account Number XXXX I requested an investigation for XXXX : Account number XXXX TransUnion did not comply with their policies to complete and investigate items within a 30day period.
Consumer complaint received 2021-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I spoke with an representative by the name of XXXX at Equifax on XXXX2021. Upon requesting a dispute, XXXX denied me the right to dispute incorrect, invalid and some fraud related items on my credit report.
Consumer complaint received 2016-03-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (PA)

My husband and I submitted a XXXX XXXX XXXX in XX/XX/XXXX. 
On XXXX lender confirmed approval and noted that no additional items were needed and did not suspect any issues for closing in XX/XX/XXXX. 
On XX/XX/XXXX lender sent final closing document for closing on XX/XX/XXXX. 
Arrived to closing and the loan was only processed in my name. This was never disclosed to me. Lender could not explain why my husband was omitted. 
XXXX disclosed that a money gift was given to me by my husband for closing. I was never informed of this document or the money gift. 
XXXX was having discussions with my husband only and making decisions without my involvement, consent or approval. 
I would never have approved the loan in my name only. 
XXXX added my husband to the deed without my consent after electing me to be the financially responsible person for the loan. 
I immediately brought this to the attention of many execs at the mortgage company. 
They have no resolution except for offering to refi the loan for me. No accountability, no apology. In fact, they tried to blame me for not managing their employee. Accused me of buyers remorse. Blamed me for not bringing council to my settlement since my loan was " XXXX ''. Did not seem at all concerned that their employee processed a loan without my consent or approval. That their employee was having convos and making decisions without my involvement.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist banking emailed me about a new online banking ID being created at XXXX XXXX XXXX on XX/XX/22. I contacted the company, and they said they reported it. 

XXXX  XXXX XXXX contacted me at XXXXXXXX XXXX XXXX on XX/XX/22 alerting me that someone attempted to open a personal checking account. I have a credit card with them, but not banking. I told them this was fraudulent, and they told that the person doing it used my SSN and date of birth and that I was a victim of identity theft. 

I called XXXX at XXXX XXXX XXXX on XX/XX/22 and placed a fraud alert. They said they would notify the other two credit bureaus.