davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
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: TRANSWORLD SYSTEMS INC (DE)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Balance {$570.00}
Consumer complaint received 2020-04-25
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. (FL)

I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, XXXX XXXX XXXX, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX to remove it. Equifax still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because Equifax has ruined my credit score by keeping this incorrect information on my account.
Consumer complaint received 2022-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OR)

I have a mortgage and HELOC with US Bank. Due to XXXX, I entered an 18-month forbearance plan on both accounts. The mortgage loan was successfully modified in XX/XX/XXXX and is current. I resumed interest payments on the HELOC on XX/XX/XXXX, and have made monthly payments since. US Bank claims they have not heard from me on how to proceed with exiting the forbearance plan nor have they given me options by sending documents to defer or modify as they did with the mortgage loan. They sent a letter on XX/XX/XXXX, stating if they don't hear from me by XX/XX/XXXX, the forbearance will expire and I will be required to pay the outstanding balance due in full of {$20000.00}, due by XX/XX/XXXX. I do not have the resources to pay this balance. I have tried getting in touch with them multiple times. Each time I call the customer service number, I get rerouted to different departments and do not successfully connect to someone who can help. I'm on the phone for several hours each time I call. I am worried US Bank will move this account to collections and I have tried to reach them regarding this issue 5 different times to no avail. Please advise. Thank you.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid
Consumer complaint received 2017-10-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (MO)

This is a complaint on my XXXX XXXX XXXX which was paid off in XXXX.A judgment was issued back in XXXX with XXXX XXXX Bank stating the sum of {$6700.00}, with interest thereon at 20.99 percent per annum in the amount of {$3000.00}, plus attorney fees, plus special process server fees, making a total of {$9900.00} with payments starting XXXX XXXX. All payments were made through ACH from my bank account totaling {$7500.00} from XXXX/XXXX/XXXX through XXXX, then additionally {$1800.00} through garnishment XXXX thru XXXX which total {$9300.00} which was paid, then when the last garnishment payment was made in XXXX the Attorney that handled this case no longer ACH nor garninshed nothing from my account at all, she was not never heard from. Then come XXXX, that 's when XXXX XXXX ( as Assignee of XXXX XXXXXXXX XXXX ) came at me stating I owe {$18000.00} for the same judgment and been garnishing my checks since XXXX XXXX XXXX which total {$7900.00} more that was token from me. Then after the end of XXXX nothing was token, I thought it was over and finished because nothing was done in XXXX thru XXXX, but come XXXX XXXX XXXX XXXX came back stating I owe {$18000.00} and started garnishment my account again which started XXXX XXXX to present another {$2200.00} dollars has been token from me. So actually I then paid out over {$20000.00} dollars and they not stopping. I just want this to end because like I said this car been paid off. Even through XXXX is on the judgement XXXX XXXX XXXX is the creditor now collecting from me. I have all Statement, proof of garnishments payment, Itemized categories, notes and emails, and ect showing reasonable doudt.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid 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: CITIBANK, N.A. (CO)

On XX/XX/2020 I made a purchase for an item. When the item arrived it was a counterfeit. I called Citi to get a case open on XX/XX/2020. I provided all the proof they needed and they ignored my case. On XX/XX/2020 they close the case on the buyers favor, when the buyer is selling counterfeit items. Citi does not care tho, Ive trying to contact them again but its been impossible since their lines are always busy. They told me to try to shop the item back, but its like {$30.00} just to send back to the country where it came from. Thats why I have tried contacting the seller multiple times but no luck. In the pictured that I provided it shows what I was supposed to get besides what I received.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I checked my credit files on XX/XX/2017 to find that US Dept ED- Direct student loan has sold this loan but this information is being reported on my credit reports by both servicers please. The US Dept ED information is inaccurrate. I 'm asking them to delete their account from my credit files XXXX, equifax and XXXX because they are no longer handling this account and it is being reported twice.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (FL)

My lender, Discover, issues an email message to me monthly to notify me that my current statement is available to view. However, Discover did not notify me in XXXX regarding my statement for the payment due on XXXX XXXX, XXXX. In addition, Discover has not notified me or even created a statement for me for the payment that is supposed to be due on XXXX XXXX, XXXX. I typically make my monthly payment the date I receive notification that a statement is available, so I have incurred additional interest as a result of Discover 's recent procedures. In addition, from my understanding, these are Regulation Z violations. I called Discover and spoke with a customer service representative, but I have not received any assistance regarding this matter. My account number is XXXX.
Consumer complaint received 2017-10-25
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: BARCLAYS BANK DELAWARE (CA)

I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

This is all started back in XXXX of 2019, when I notified Home depot that I had received bill showing charges made at a home depot store far from my home, they began their investigation, I explained to them that I didn't even have the credit card, because I had cut it up months ago after I payed it of. I received a series of letter showing that the accounts investigation had concluded in XXXX and they advised that all the charges had been credit to the account and that all fees and charges have been removed. A letter dated XX/XX/XXXX, states that another fraud investigation was going on, upon research I can see that the credit card number ends in a different number and I had my son call them and they stated this was for the same amount and at the same store that the other fraud charges were from and also the letter were now in Spanish and I never changed that, I have called home depot every other day and can not get through to them and when I have spoken to someone they give me the run around. I do not have the plastic credit card, the account is still open but I have not made any purchases on it in months. I only shop at the local home depot from my house, I do n't drive far distances. I strongly believe that is an employee doing this because I can seen to get any answers.
Consumer complaint received 2017-10-25
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: ALLY FINANCIAL INC. (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Consumer complaint received 2023-02-11
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)

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights.

This is also hindering me from being able to purchase my first home.

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


XXXX XXXX Account # : XXXX I.C. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction 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 2022-01-05
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: I.C. System, Inc. (PA)

I got an alert from XXXX XXXX stating that I had a new collection pop up. I then got a letter from IC System stating that I owe {$4900.00} for a XXXX XXXX. I called IC system and they informed me that this is a XXXX XXXX for an address in XXXX, PA. I told them that I never lived there nor know anything about the address. IC System asked me to provide proof that I lived elsewhere during that time frame and and I mailed that it. they then asked me to file a police report and I have done that too. This negative mark has drastically dropped my credit score and has been a complete defamation of character. I regularly use my credit for my business and this has stopped me from doing so. The incident number from my police report filing is XXXX. The XXXX XXXX police dept does not release the actual police report but just the incident number and i will upload proof of that. 
IC Systems will not remove the negative reporting even though I took every step that they asked of me.
Consumer complaint received 2017-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WI)

we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TX)

I am writing regarding a late payment on my credit report from XX/XX/XXXX for my Chase ~ XXXX account Acct #. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I was traveling out of town. During that time, I paid all my other bills on line. A copy of what was sent to me via e mail from Chase is included and highlighted in yellow. As you can see, the e mail header says nothing  about an attached bill, a bill thats upcoming, or a bill that is late, or any mention of a bill at all. Rather, it appears to be junk mail. I therefore, like you might, did not read it. I only discovered this due to my XXXX XXXX account notifying me I was late. I immediately paid the bill on XX/XX/XXXX for {$81.00}. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward and enrolled in auto pay ( see attached ). Prior to this mistake I have a perfect record of on-time payments. 
As a courtesy, I am requesting that Chase ~ XXXX make a goodwill adjustment and remove the late payment onXX/XX/XXXX from my record. This will help improve my credit worthiness and give me renewed confidence in being a Chase customer in good standing. 

Thank you for your consideration,
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

FedLoan servicing provided essentially zero support for individuals living outside of the US until about one year ago. In the meantime, recertifying an income-driven repayment plan was nearly impossible as the company had no capability of calling internationally to inform its international clients that a document was received or was in good order. Instead, a determination was made that my recertification was not properly handled and so FedLoan recommended that I go into forebearance deferment in order to give THEM time to process my recertification application. After this, the interest on my loan was capitalized and when I complained they claimed that this was my fault rather than their fault for not having efficient means for international clients to recertify income-driven repayment. I believe my only course at this point is to sue FedLoans, and they have agreed that they will not be revisiting the issue in spite of my entreaties.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I already filed Fraud Report over year and half ago these bureaus Equifax and XXXX I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Consumer complaint received 2020-04-25
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2018-06-04
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. (MO)

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XXXX  of XX/XX/2010, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XXXX of XX/XX/2017 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since August 30th for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.