davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) allegedly representing CITI BANK has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to XXXX and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022XXXX XXXX XXXX XXXX has oppressed me trying to collect an alleged debt by dragging me in and out of court, XXXX XXXX XXXX  is in violation of the The Fair Debt Collection Practice Act
Consumer complaint received 2022-09-28
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. (GA)

in accordance with the fair credit report act this creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXX XXXX, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit reportXXXX XXXX needs to remove cause limitations has been 7 years
Consumer complaint received 2022-08-01
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. (SC)

To Whom It XXXX Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either XXXX ) XXXX XXXX has failed to report this status accurately, or XXXX ) XXXX, Equifax, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.
Consumer complaint received 2021-11-25
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-15
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. (OK)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the XXXX XXXX XXXX XXXX, XXXX USC Sections XXXXi within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$3300.00} XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$2500.00} XXXX XXXX-Balance {$6600.00}
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

I was contacted by Grant Merchantile agency in XXXX regarding a medical debt that I did not recognize. After 4-5 attempts to get the information from the agency, they finally provided proof that the services were rendered to my daughter. When I received the information, I realized that the provider failed to bill my insurance and never contacted me regarding the debt. The provider then sent the account to collections XXXX  months after the service was provided. I am disputing that I owe the full amount of this bill, I had insurance which was furnished to the provider at time of service. I should not be held liable for the full amount of the service because of their inability to bill the insurance or contact me in a timely manner.
Consumer complaint received 2022-08-01
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. (MD)

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate.

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX  XXXX Account Number : XXXX The date last active day is wrong. 

Account Name : XXXX Account Number : XXXX This is not my account. 

Account Name : XXXX XXXX Account Number : XXXX The date last active is wrong. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  FINAL BILL ) Account Number : XXXX Not my account. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Numbers : XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX  XXXX, MD XXXX Wrong Employer : XXXX XXXX Current Employer : XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IL)

XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Consumer complaint received 2021-10-02
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. (DC)

I have made several attempts to have Equifax update my credit profile to no avail. I have asked them to verify the bankruptcy reported on my credit file. I have been asking for verification for months and the only response I receive is that it has been verified through XXXX XXXX. I received information back from XXXX XXXX in a letter dated XX/XX/2021 that after their reinvestigation the information has been removed from their report. I filed another dispute with Equifax on XX/XX/XXXX along with the letter from XXXX XXXX. I again asked for verification only to be told on XX/XX/XXXX that the information was verified through XXXX XXXX. I called and spoke to a rep on the phone and made them aware of the problem. They said they would open a dispute, which they did, on XX/XX/2021 and the rep said he will reiterate that XXXX XXXX has removed it from their records and even said he will let them know I sent the letter in to them. On XX/XX/XXXX, confirmation # XXXX, Equifax again closed their investigation stating that the information has been verified through XXXX XXXX. I do not understand how this could be. Clearly, they are violating my rights and they are not investigating information that I have a right to have investigated. 
Please help assist me with having this information removed and holding Equifax accountable. 

Kind regards
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a Vanilla gift card at my baby shower XX/XX/XXXX. The value of the card showed {$100.00}. I registered the card online on XX/XX/XXXX so that I could use it for purchases. However, when I checked the balance online, it said {$1.00}. The card 's packaging was not opened until I registered it, so I couldn't understand why it only has {$1.00} remaining. I called the Vanilla gift card customer service number that morning and was told I would have to provide my personal information in order to open an investigation, and that it would take 90 days for a resolution. I did not feel comfortable providing my personal information over the phone ( the only option given ), told the customer service person this and ended the call. After researching online, there have been similar situations with this particular gift card brand for some time. An article I read from a paper in XXXX, Texas referred those who'd experienced something similar to report it to the state 's consumer affairs department. I called and left a message with the Florida State Attorney 's office. I was contacted by the State Attorney 's office on XX/XX/XXXX and officially filed a complaint. I was then told to also file a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. That is why I am filing my complaint here.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (WA)

Sears credit card ( CITI ) Over the last year I have used this card more often. The problem I was having is my bill arrives 4-5 days before it is due. If the bill was mailed out at the beginning of the month and it took 15-20 days to arrive. How am I going to get it to them on time? Its always late and fees and interest are always tacked on. I have requested on many occasions that the charges be removed and that my bill be sent out sooner. It is virtually an impossibility to achieve the deadline. I get the feeling that this is fraudulent or at best a shady scam to charge fees and interest. There is no consideration for the consumer here I feel. 
Now lets look at the US Mail service. After Covid things have changed. I have sent mail 20 miles away and it has not been received for 7 plus days. So how is my bill going to get here in a timely manor from 5 states away? For those of us who use this system can we get a little understanding? It has always been reliable and secure but I see its days are numbered. For the consumer and the Vendor. 
I am not the first or will I be the last to see where this is going. If you wish to retain customers find a solution to this problem besides greed and rigid policy. 
For those of us who have witnessed the damage of personal identity theft. Technology is not the best answer and I would like to protect myself and my family from this possibility. 
Thanks for your time and consideration on this matter
Consumer complaint received 2021-10-02
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: ALLIANT CREDIT UNION (MO)

Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at Alliant Credit Union in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted ACU and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

The mortgage is under my name, but we are both on the title to property located at XXXX XXXX XXXX XXXX. Originally, the mortgage was through XXXX XXXX but was sold to Wells Fargo. The XXXX homes on the property were burned down because of the wildfire in XX/XX/2022. We informed Wells Fargo that we wanted to keep the mortgage because we planned to rebuild. Every time, however, that I have spoken to them, it feels as though they are pressuring us to pay off the loan and refinance with a higher interest rate. We don't want to do that. They have then been giving random and often untrue reasons for them not letting us keep the loan -- one was that the homes would be modular, another was that there would be multiple homes ( there were XXXX homes on the property when Wells Fargo bought the loan ), and the one most recently was that they would be XXXX -- which they are not -- one is over XXXX sq ft, the other is about XXXX sq ft. A third is at about XXXX sq. ft. WF has a copy of our proposed site plan as well as plans for each of the homes. What is even more troubling is that Wells Fargo has retained and has not delivered to us money owed to us. The outstanding loan balance is {$280000.00} and WF received a check for {$540000.00} and some change. They are to send us the amount not owed them, which is about {$260000.00}. We need that money to secure purchase of the homes we are getting. Our complaint about retaining the loan has been escalated, but we keep getting extended deadlines for resolution. That issue, however, should not prohibit them from sending us what is owed to us. We chose to go modular/manufactured because of the current cost to rebuild a site/stick home is very expensive and the timeline is beyond what insurance would allow.
Consumer complaint received 2022-09-28
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instruction.
Consumer complaint received 2022-08-01
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)

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have been paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.
Consumer complaint received 2021-08-03
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. (GA)

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Albert Corporation (TX)

Albert banking had denied my payroll check. It took weeks for them to finally send back the funds they were holding for it to my company. They then charged me {$1000.00} when they were the ones holding the funds and they never touched my account. I then received my taxes and do not have access to that money either. I am out {$1900.00}. Their support has been no help and stopped responding. This issue has been over a month of me not having any money at all and no one seems to care
Consumer complaint received 2022-08-23
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. (TX)

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but Equifax and XXXX has continued to state its accurate. Under the fcra guidelines, once XXXX bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC XXXX states I have the right to privacy 15 U.S.C 1681 SEC 604A sec XXXX. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623