davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, Equifax or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between Equifax and XXXX and the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but Equifax has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, Equifax has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, XXXX is blank, Equifax is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.
Consumer complaint received 2021-12-10
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: Rocket Mortgage, LLC (MO)

Quicken loans is my current mortgage company who I recently refinanced with in XX/XX/2021. I received 4 phone calls from them today XXXX, when I answered I was connected with a mortgage broker, I explained that I just refinanced and that I was not interested, she then tried to get me to refinance to do a cash out since home values are so high, she then told me she could look into getting me a better rate. She asked if my current employment and income information was still accurate along with asking if there were any liens or judgements on the property. She then put me on hold for about 5 minutes, during that time I received an alert for a credit inquiry from XXXX. When she came back on the line I asked if she ran my credit and she said yes, I told her she did not ask my permission to pull my credit and she replied that when she asked about the liens and judgements on the property it was because they may not show on my credit. I explained to her that is not considered consent to pull credit and that I never agreed to submit an application, she assured me there was no application, however, when I look at my quicken account there is an active application out there. Quicken should be held accountable for their aggressive sales tactics. Had I not been in the home finance industry for 14 years I may not have caught that she illegally pulled my credit. In addition, she did not disclose her XXXX number and by the way the call was handled Id be surprised if she is actually licensed.
Consumer complaint received 2022-10-07
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EQUIFAX have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (NY)

NO KNOWLEGE OF THIS ACCOUNT. Notified Experian and they will not reinvestigate. Account info Account name XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$38.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 240 Months On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-24
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. (GA)

Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I couldnt recieve my credit scores or info from 2 credit agencies XXXX or XXXX and i on the one i did get it said something about auto financing loan and mortgage loan so i dont know what those are i dont own either of the 2 a house or a car
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX on in the year XXXX {>= $1,000,000} for violating my consumer trust laws and regulations concerning keeping data safe and secure from pirates and preditors.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

I have made over a dozen transactions selling items via PayPal, in 2021. Every time sell an item and get a payment I am told my money will be held indefinitely until the buyer receives my item and has an opportunity to verify that the transactions aren't unrecognized. The last two months I have barely sold more items than I did earlier in the year, but the items are higher in value. PayPal has missed the payout date multiple times. Everytime I speak to an agent I get told different reasons for why my money is being held. One agent said I personally had limited transactions, one agent has told mey buyers have limited transactions, one agent told me everyone gets their money held and one agent told me that it's because I had never sold an item of such high value before. I get lied to at every turn of the way with PayPal. They have held over {$1100.00} for two weeks, now they've had {$630.00} for going on two weeks. It's apparent that they are holding money to draw interest on the funds, as if the fees they charge aren't enough to make money. Even an item that I sold on XXXX XXXX, which has its own escrow service built in, is having the payment held through PayPal while they collect interest on my funds.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

To whom this may concern ; We were on the plan with US Bank, that allowed us to go 12 months without payment due to COVID relief ; which helped tremendously due to having young school age children being taught at home and reduced hours. Once the plan was ending in XX/XX/XXXX, we called US bank to discuss arrangements to move forward. We spoke to several representatives that advised us that the plan was still active, and that we have to wait until the plan was removed from the account. After calling multiple times, and being told to call back. The plan was finally cleared early XXXX, I called and spoke with a representative who automatically placed me on a partial claim, After receiving and looking over the documentation I realized that I did not agree to that. So, I called back and spoke with another representative who advised me that I would have to wait, for XXXX bus days for it to be removed and can call back to be reviewed for another plan. So, I called back again and was advised that I would have to call back in 10-15 bus days, as it was not cleared as of yet. So, after calling back a few times, the program was finally cleared- and we could be review again. The representative advised that I qualified for a Modification, and advised that it would go into effect on XX/XX/XXXX. Once I received the Modification agreement which is scheduled to go into effect on XX/XX/XXXX. After looking at the documentation, I noticed that there is a partial claim that was not discussed during our conversation with the representative when we agreed to accept the modification around the end of XXXX. We were advised that the default amount of {$26000.00} was going to be capitalized at the end of the loan. 

So, we called today XX/XX/XXXX to discuss this issue, and was advised by the representative if we do not like the modification to request that it be cancelled, since it can not be amended in order to be reviewed for all of the modifications available to me that we would have to send an email to cancel the modification with the partial claim program. Trying to get back on track with US Bank has become an extremely frustrating ordeal. None of the representatives are consistent with the information that has been provided. 

The initial agreement we were placed on was also a partial claim, and we specifically advised that we did not want a partial claim ; due to if the property is sold in the future that amount would become due an owing. 

We need to speak with someone with the knowledge and expertise to ACTUALLY ASSIST US with this matter, and we are not getting any results.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-07
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. (IN)

XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, Equifax XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

THERE WERE XXXX UNRESOLVED FRAUDULENT CHARGES MADE TO MY CITIBANK ACCOUNT. OVER {$10000.00} IN UNRESOLVED FRAUDULENT WITHDRAWALS THAT WERE MADE TO MY ACCOUNT FROM XXXX TO XXXX OF 2021, NONE OF WHICH I HAD AUTHORIZED. I HAD FILED THE FRAUD REPORT WITH CITIBANK IN XXXX OF 2021. THEY HAVE HAD ONLY RESOLVED XXXX COUNTS LEAVING XXXX UNRESOLVED AND HAVE CLOSED THE CASE. 
I HAVE CONTACTED ALL THE ATTACHED NUMBERS OF THE SOURCES TO FIND THAT ALL OF THE NUMBERS ARE NON WORKING WHICH IS FURTHER EVIDENCE THAT THE WITHDRAWALS AND FRAUDULENT. 

PLEASE SEE DATES, ACOUNTS AND FRAUDULENT VENDORS IN THE ATTACHED DOCUMENT FROM CITI.
Consumer complaint received 2022-10-07
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: BARCLAYS BANK DELAWARE (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Consumer complaint received 2022-10-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (MO)

I received a text that there was a pending XXXX transfer out of my account for {$5000.00}. It asked if I authorized the payment. I responded no via text and received a call that I verified on the internet to be the same as the customer service line for Chase bank. The person knew personal information including bank details and asked me to verify info. They then informed me there was a pending XXXX to XXXX XXXX scheduled for XXXX XXXX EST and they needed to stop it if I did not authorize. They informed me I needed to XXXX the {$5000.00} to myself to block the transaction. There was a profile saved with my picture and phone number in my contacts in XXXX in the Chase Banking app that at the time I did not realize I had not established. They assisted with the transaction and the money left my chase account. I was told it would return after XXXXXXXX XXXX EST. It did not return and I called Chase fraud immediately on XXXX. They informed me they had opened a case and sent to XXXX to investigate but they were not liable and there was little to no chance for recovery. I have called on XXXX and XXXX and received the same message. I have asked to escalate and been told they can not do that and I must wait for a resolution in XXXX days. Chase has claimed they are not responsible for the loss despite the fact that they noted that it went to another Chase account that they would freeze and it was reported as fraud. I have contacted an attorney to initiate a suit against Chase to recover the funds.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.
Consumer complaint received 2021-12-09
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. (IL)

I have disputed several items on my Equifax credit report and they continue to state that the items on my credit report have been verified, yet, have failed to provide me with physical verification of such as it is required by the FCRA Section 609 ( a ) ( 1 ) ( A ). 

Dispute dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 These are the items that appear on my credit report. 
XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXXS - No Account # provided- {$360.00} XXXX XXXX XXXX XXXX - No Account # provided- {$150.00} XXXX XXXX XXXX, XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX XXXX - No Account # provided- {$83.00}