davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I went to apply for a XXXX. In doing so they promised they would get me the lowest rate etc and that once I put down a deposit I would get an appraisal and be ready to close. I brought it to their attention multiple times that the estimated property value was incorrect. The assured me it would be changed and it wouldn't affect anything. During this time I had transferred cash from savings for closing and in doing so I was hit with fees. After talking with multiple people, I learned that the evaluation of my property at XXXX XXXX would be an issue. If I didn't catch this, I would have put down the deposit and once appraised my appraisal would have come in way under that and my XXXX agreement would have changed drastically. Once I made it a point that I needed these numbers changed, they were very slow and hesitant to get me the numbers right away but insisted on continuing the process. On top of all this once I spoke to someone that was in charge, he told me they'd review the recorded conversation. When I emailed him back, it was forwarded to the supervisor that advised me that the estimated property appraisal didn't matter and he reached out to me. This was very unprofessional as the complaint was about him.
Consumer complaint received 2017-05-03
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: Experian Information Solutions Inc. (KY)

On  XXXX   XXXX , a dispute letter to the  XXXX  credit reporting agency was sent to validate the accuracy of a bankruptcy and  2    XXXX  udgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX / 2017  and   XXXX   received the dispute on   XXXX  -2017. On   XXXX  -2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
Consumer complaint received 2022-01-01
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)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my Equifax Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2021-12-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Credit determination — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Bank used my credit info to deny my wife 's application to upgrade her XXXX phone. My wife decided XX/XX/2016 to use the apple upgrade portal through apple computer to get a new phone. Its her account only. Nothing to do with me. She entered her personal info ( not mine ) in the application. When it came time to pay the XXXX fee to upgrade she used my XXXX card. Somehow by using my XXXX card it triggered Citizens Bank into pulling my credit report twice. They denied her application by using my credit. i did n't authorize it. She did n't authorize it. No personal info of mine was shared. I 'm not a client of Citizens. They are getting people to apply for credit without them knowing. Its a FRAUD!
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

EOS CCA LOCATED AT: XXXX XXXX XXXX XXXX, MA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-12-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX I received a phone call from a unknown number on my caller id. They left a voicemail on my phone and then called my husbands phone and left a voicemail. 
I called and the gentleman I spoke with name was XXXX. It was a lady who had left the voicemail stating a notice of intent coming out of my county XXXX XXXX ) her name was XXXX XXXX and told if I did not respond they would move forward with action against me. 
When I called he told me it was in regards to a debt from a credit card from XXXX. I asked about the statue of limitations and he said it didnt apply to this because it was filed in XXXX. 
I told him I could settle because he told me that court costs would be over {$7000.00} in attorney and court fees and the amount owed was {$1900.00}. I said I could set up {$50.00} payments. He emailed me two documents. I signed the first one stating the conditions of the agreement and when I got to the second document to input my card information my husband had seen online that it was a potential fraudulent company. I hesitated and did not fill out the form. 
I would gladly pay the debt if it is credible law firm. But when I looked on my credit karma app, I could not see any amount owed from this citi card on my credit report from XXXX. So Im trying to verify this companys authenticity before I input any credit card information. I hung up due to my phone dying and called the local phone number that was on the webpage and that was different than the toll free number in the voicemail which this guy answered both. And he wanted to stay on the line with me while I input my credit card info. He called me and left a voicemail saying they would only be there today until XXXX and wanted to take a deposit today. But they called me again at XXXX to collect deposit. 
Initially he did not tell me what credit company he was calling to collect. I had to prompt him. I was not given any indication of a recorded line, account information ect only a 6 digit reference number. 
I did not complete the second form to turn in my credit card information. I would like to verify it is a legitimate company attempting to collect a legitimate debt.
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Skagit Bonded Collectors, LLC (WA)

I was sued for medical debt last year, I didnt know I had a court date. My wages were garnished. After that I was able to contact them and set up a payment plan and canceled the garnishment. I paid off that whole amount. However I have paid well over the amount they were granted. After this case was closed they came back to tell me I owe another {$2500.00} and a lot of this is interest and daily interest is charged. I then again set up another payment plan and paid a bunch of money. Apparently I still owe another {$2500.00} and Im not sure how it never goes down. I have emailed and called many times to have my open debt and all payments sent over to me to verify because I am positive I have been paying them free money. They agreed on the phone two weeks ago but have never sent me anything and stopped responding on email. I asked for a payoff amount and to verify my debt. Yet I get nothing. I have been trying to close this account for over a year but they keep making it impossible. Id like help because Im not sure what to do at this point.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?
Consumer complaint received 2017-05-03
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: Williams & Fudge, Inc (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  2 co mpliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2021-12-30
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: LEXISNEXIS (GA)

Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

I just received 5 phone calls from Comenity Bank between XXXX and XXXX XXXX on Sunday morning XX/XX/19. They usually call me in excess of 5 times every day. I do not usually answer these calls, as is my right.
Consumer complaint received 2021-12-30
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. (OH)

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) AccountXXXX 15 USC 1292J XX/XX/XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 15 USC 1292J XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes.

Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Consumer complaint received 2021-12-30
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. (NC)

this message is against equifax, XXXX and XXXX. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ADP Inc. (WI)

I called Monday XX/XX/XXXX and the XXXX about closing my account and they tell me it's closed but yet my direct deposit into my regular bank account didn't go through. There was also another point of contact when my card was just turned off. I can not enter my old account info, it won't let me. They XXXX  me again and now I didn't get paid today. I want my wisely account deleted completely and my old information restored
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My father passed away XX/XX/2022. He banked with BofA. All paperwork was submitted to move his money into an established trust account as it was the POD on his account. It has been weeks. There are now medical bills due. Is BofA responsible for late fees? In my book yes. His account is showing XXXX balance. What are they doing with his money? Day trading? Makes one wonder. And there are hundreds of horror stories online. This is their XXXX.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11 ''. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Consumer complaint received 2022-04-25
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: TRUIST FINANCIAL CORPORATION (MD)

My Suntrust Account was converted to a TRUIST bank account a few weeks ago. After Truist took over customer service has been terrible. Recently I was incorrectly charged by a merchant but I can not contact TRUIST bank to dispute this charge. No email address to contact them, no " Chat '' function, and the XXXX XXXX number on the card or on the web site is not answered. At Truist the lights may be on but no one is home! 

complaint XX/XX/2022 Merchant : XXXX XXXX  XXXX XXXX {$26.00} charged twice but I paid cash when the card reader wouldn't work. 

This is no way for a " Major Bank '' to behave. Literally zero customer service/support. I want my Suntrust Bank back.
Consumer complaint received 2017-05-03
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. (AZ)

Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XX/XX/2017  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Consumer complaint received 2021-06-29
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. (AR)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Johnson Mark LLC (OR)

Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX and XXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.