davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-18
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. (WA)

This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.
Consumer complaint received 2021-08-15
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. (MI)

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with Equifax, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Data Systems (SC)

This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the three bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
Consumer complaint received 2020-12-27
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. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

Around XX/XX/2020, I received a warning from my credit monitoring service ( XXXX ) that someone was opening a credit card account in my name. It turned out that attempts had been made to open at least three fraudulent credit cards in my name. I contacted JPMCB first. The customer service person said they had no record of this activity. When I called the other credit card companies, they were much more helpful. They arranged a seven year " Victim Alert '' be placed on my credit reports and immediately removed their " hard inquiry '' from the reports. However, JPMCB has failed to do this, even after multiple contacts by myself. Today I got my latest copy of my XXXX Credit report and the hard inquiry is STILL on this report, and I assume all the rest of my reports. From the beginning, JPMCB has failed to take this matter seriously and because of its incompetence, adversely impacted my credit score. I have had no credit relationship with JPMCB.
Consumer complaint received 2020-12-27
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: I.C. System, Inc. (CA)

From the company 's response I have concluded that they are still presenting false information about my complaint. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature. ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ATG Credit, LLC (WI)

Please run a complete investigation on this collection account. I feel the address associated with this collection agency, the terms and the balance are incorrect. The account number is missing digits which I feel is inaccurate and a violation of the FCRA. Please delete immediately from my credit report for it's errors.
Consumer complaint received 2020-12-27
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. (TX)

XXXX account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by Equifax and was updated to delinquent and included in Bankruptcy. Ask Equifax to reinvestigate it XXXX years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking Equifax credit report again for XXXX, it still saying reinvestigation in progress and included in Bankruptcy.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I was charged an overdraft fee for a debit card transaction and I have not elected to " opt-in '' for overdraft " protection ''. The transaction is as follows : Transaction Description Amount Action Fee RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXXXXX  XXXX {$12.00} PAID {$35.00}. 


I was offered a refund of half of my fee, which I accepted at the time, as it was better than none, however I believe that this practice was unlawful. 
I also deposited {$100.00} into the account of the day that the account was overdrawn, before a debit card purchase was posted and received a 2nd overdraft fee for an ACH. The account reflected a positive ~ {$22.00} balance after the deposit. The next morning, ( today, XX/XX/2019 ), I log in to my account to see it negative ~ {$48.00}
Consumer complaint received 2020-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

IC System claim I owe them XXXX for a XXXX XXXX XXXX bill.. XXXX XXXX XXXX took this same account off my credit profile XX/XX/XXXX XXXX and now IC system trying to say that I owe them this debt ... I wrote them a dispute letter and they're still trying to say I owe them ...
Consumer complaint received 2022-10-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (TX)

On Saturday XX/XX/2022 I contacted Citibank Customer Service regarding the facial recognition device which I have added to my accounts utilizing my cell phone. I got a representative on the phone who was completely unknowledgeable of her job as I asked questions regarding my account and the device which was working fine prior to my having to place the call for tech support to Citibank. I then asked to speak with a supervisor who came onto the line who was rude and tried to over talk me. I explained to him the facial recognition had been working fine earlier that morning. He suggested that I try some things which allegedly would fix the problem but nothing worked. He told me that I needed to go to the online account in order to view or to do anything else with the account. I asked him what was the purpose of having the facial recognition if it does not work. He then mentioned to me that my savings account was overdrawn. I asked him how could the savings account be overdrawn when the account was opened I specifically waived the fees due to being a senior citizen. I told him to close the savings account and he told me that it could not be closed until I paid the {$27.00} overdraft charge. Citibank effective XXXX XXXX eliminated overdraft fees as well. This is my third complaint against Citibank. 
Citibank started with me in XXXX, XXXX with a bogus letter to me regarding back up with holding that allegedly came from the IRS and the IRS had instructed them to do nothing as it related to my accounts. I feel like I am being scrutinized with everything that I do regarding Citibank and I under no circumstances will tolerate being subjected to this type of treatment.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (PA)

Hyundai Finance is not providing the title information to the appropriate agency so that I can register the vehicle in my new home state of XXXX. I was previously in XXXX. This is a particularly time sensitive issue because I am not able to obtain a parking permit to park on the street until I have XXXX tags on my vehicle. I first submitted the request and appropriate information on XX/XX/2022. They said that it would take 10 business days to get the information to the appropriate agency in XXXX. I followed up again on XX/XX/2022, and they stated it was in progress. I contacted them again on XX/XX/2022 again stating it was in progress and takes 10 business days, but that it didn't get entered into the system until XX/XX/XXXX. I reiterated that the request was submitted per Hyundai Finance secure email on XX/XX/XXXX and that it needed to happen asap so I can obtain my parking permit. I called once again on XX/XX/2022 at which point the call was forwarded to a manager, and they said they would try to get it done as soon as possible. As of Friday, XX/XX/2022, the title information still had not been received by the appropriate agency in XXXX. This is truly unacceptable in general. I will now have to pay XXXX  XXXXday to park in a garage because I don't have any more temporary parking permits available to me until XXXX.
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My home is mortgaged through Nationsatar Mortgage, DBA Mr. Cooper. My homeowner 's insurance and property taxes are escrowed. They have the policy information for my homeowner 's insurance. They failed to pay the renewal, now over a month past due.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX Vet. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act 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 2021-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (GA)

This company reached out to me and I informed them this credit card was apart of my chapter XXXX. The rep I spoke to notes that on the account. They still proceeded to add it as a collections on my credit. This is a violation and the company should be fined. I just received a letter from the company the day after it was added to my credit file.
Consumer complaint received 2022-08-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Under 15 U.S. Code 1692j furnishing certain deceptive forms I'm not participating in the collection of this alleged debt. XXXX XXXX XXXX XXXX XXXX cease and desist ASAP!
Consumer complaint received 2019-01-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I purchased a house using my VA loan FLAGSTAR BANK last XX/XX/XXXX. when i closed i was told my insurance and taxes were included in my payments.of {$990.00}. 
In XX/XX/XXXXI recieved a letter from my insurance company to say that i never qualified for wind mididgation at closing last year, and that my insurnace had gone up from {$1000.00} to {$2000.00} Then my morgage company told me that becase they did my assesed taxes on the prior owner my taxes have trippled causing my morgage to go up by {$600.00} a month. 
I am a single woman vetran that has just been taken advantage off as I would never have purchased a house that a year later my payment would go up {$600.00} a month which i can not afford.I WILL NOT BE ABLE TO PAY THIS AND WILL LOOSE MY HOME. 
I feel the morgage company was very dishonest.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

Account name : XXXX 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 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 fumish a 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 of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OR)

I have been a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.