davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (CA)

late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (NV)

My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (GA)

Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX  XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (TX)

I have disputed this company which has 2 delinquent accounts on my credit report. 
This company claims I owe the city of XXXX for ambulance services. I have never been in an ambulance in XXXX, Texas or XXXX County. This information is inaccurate. I have asked repeatedly for proof to verify this debt with no response. They told me through the XXXX  that they could not release this information to a third party. This is my last step before I contact an attorney.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CO)

I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, JPMCB AUTO, XXXX, XXXX XXXX
Consumer complaint received 2022-01-19
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. (CA)

I contacted all the companys that and auto dealer ran my credit without me even knowing or in the market of purchasing and auto this happened all in XX/XX/XXXX with XXXX XXXX in XXXX XXXX California Second was XX/XX/XXXX XXXX XXXXl Third tried same day XX/XX/XXXX with XXXX XXXX XXXX. Theres a four tried with same dealer date XX/XX/XXXX again with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX again with XXXXl XXXX.
Consumer complaint received 2023-01-26
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)

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

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  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 instructions 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 2016-04-20
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: U.S. BANCORP (WA)

I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.
Consumer complaint received 2022-01-19
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I received an alert from my bank that my credit rating changed. I looked at my report and saw there was a drop of 104 points from XXXX to XXXX on my credit score. The statement showed the negative report came from XXXX XXXX Barclays Bank Credit Card. I placed a block on my Barclays XXXX XXXX  credit card back in XX/XX/2020 during the Covid Pandemic. On XX/XX/XXXX XXXX  Yearly Plan my security system charged Barclays credit card for {$90.00}. I contacted XXXX XXXX and advised them on XX/XX/2020 that this charge should not have gone through because the card was blocked. XXXX indicated they would reverse the charge and put the charge on my XXXX XXXX XXXX. XXXX  I found out today only credited back to Barclays {$82.00} rather than the {$90.00} stating that it was prorated for two days. I never once received a bill for {$7.00} which now turned into XXXX. XXXX XXXX sent me an email verifying our conversation on XXXX XXXX, 2020 which I will attached below. Also, I spoke with a supervisor at BarclayXXXX who apologized for the error stating " I see you spoke with an agent in XX/XX/2020 and requested to have your card blocked '' she further states " we are sorry for your inconvenience and will notify credit agencies on XX/XX/2020 to remove the negative report. I said that's much to long to wait. XXXX the supervisor said " we only report to credit agencies once a month ''. I am so upset I have never been late on a payment my entire life and to have my credit score drop 100 points for Barclays error is horrible. Please rectify this error as soon as possible. Thank You, XXXX XXXX
Consumer complaint received 2023-05-05
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: Tulsa Adjustment Bureau (OK)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also + states a consumer reporting agency can not furnish a account without my written instructions.

45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose. 
XXXX
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (CA)

I received a call on my cell phone where a person was looking for my brother. The person indicated that the petitioner was filing something against my brother. That person provided a phone number XXXX and indicated this was a notice. I called the number it was listed to XXXX. I spoke to a man his last name was XXXX. I informed him I was calling behind a phone call I received for my brother. XXXX indicated could not provided me with detailed information but indicated was filing a complaint in XXXX County court for criminal actions against my brother and threatened a body attachment. He indicated that my brother used me as a referenced informed him I knew nothing about what he was talking about ; he furthermore indicated that it was in regards to monetary issues concerning my brother owed. Informed him thatI was his sister and that my brother was grown my brother has not lived with me in years and I had not spoke to my brother in months. XXXX proceeded in telling me that since I was used as a reference that I could be summoned to court. I was able to reach my brother to tell him to call these people however I called XXXX back to ask where they were based out of and male indicated New York and they were arbitrators and not bill collectors. I have worked litigation before I have never known an arbitrator to release any information to a XXXX party and place a threat of a body attachment when initially processing a court proceeding.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
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 reported the theft of my identity to the FederalTrade Commission and I also have enclosed copies of the Federal Commissions IdentityTheft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WV)

I closed my credit card account on XX/XX/XXXX. I paid a {$500.00} deposit to secure my credit card credit limit via electronic bank transfer on XX/XX/XXXX. My account is paid in full with the last payment posting to my discover card on XXXX XXXX, XXXX. My balance is at {$0.00}. The company is refusing to refund my {$500.00} security deposit and saying I have to wait two more statement cycles and then they will mail it back via paper check. This is absolutely absurd. If I am 30 days late on my payment I am charged a late fee and my credit rating is affected negatively ; however, this financial institution thinks they're entitled to 60 days to refund my deposit and then additional weeks to mail it by check, and isn't compensating me or paying any interest to me for the extended delay for holding on to my money. I want this matter resolved in a timely matter and want the security deposit funds deposited via electronic bank transfer back to the XXXX XXXX account on file with them that the funds came out of.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We rented a car from XXXX from XXXX/XXXX/16 to XXXX/XXXX/16 charging onto CapitalOne Credit Card. On XXXX/XXXX/16, XXXX sends me a letter stating we incurred speeding ticket while using their car and plans to charge my credit card {$110.00}. When I asked XXXX for a copy of the violation, XXXX refuses to send me a copy of the ticket for verification. When I contacted CapitalOne Credit Card to dispute these charges until I can receive proof of such violation, CapitalOne mailed me documents from XXXX claiming that XXXX had provided proof of the situation. However, the documents I received were car rental agreement plus a copy that is illegible. Still no documents/proof of XXXX 's Claim. Despite the fact that I faxed CapitalOne email documentation from XXXX traffic agencies in XXXX all confirming NO traffic violations exists based on the rental car 's license plate, CapitalOne considered this case closed and charged me {$110.00}. My repeated efforts to obtain a copy of the alleged traffic violation from CapitalOne and XXXX so I can verify the validity of XXXX 's claims were useless. CapitalOne rather help a XXXX XXXX XXXX to Scam me {$110.00} instead of protecting a consumer whom they figured wo n't be able to sue a credit card company. Laws need to be changed so consumers are not forced to waived their rights to sue a credit card company in order to obtain a credit card. WHAT A SCAM!!!! I will be posting this scam on social media ( XXXX, XXXX, XXXX, etc ) to alert all my friends to avoid CapitalOne Credit Card and using XXXX XXXX Rental unless these XXXX companies are willing to resolve this matter with me by sending me a legible copy of the traffic violation. After this matter is over, I will CANCEL my capitalone credit card.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Yesterday, XX/XX/XXXX, I visited a local Bank of America branch to deposit {$16000.00} cash ( bills of {$100.00}, {$50.00} and {$20.00} ) that I receive from the sale of my car as I am relocating due to work. I bought my car at {$18000.00} and decided to sell it for far less. I counted the money and placed it safely on my bag so I could go the next morning and deposit it into my account. I am a XXXX XXXX arriving to the BoFA bank and before giving the teller the money I explained to him that it was going to be a huge amount. I passed the dollar bills while he started placing the cash into the counting machines. He then told me that if the amount exceeds XXXX I had to fill a form. I told him that I was completely fine with doing that as I am not that acquainted with federal regulations in terms of huge deposits and agreed. He then told me if in the case that I didn't have lot of time available it could be easier for him to just give me XXXX to deposit into the ATM and I didn't had to fill anything. Immediately after this he handled me a receipt for {$9500.00} and XXXX bills of {$100.00}. I left a little confused and asked him that if that was the total amount I gave him. He said " yes, that is what the machine has counted '' so I went outside and made some calls to make sure I was not going to accuse him. Just to clarify that as the naive girl that I am I could've never thought of the idea of my own bank robbing me and lying to my face. I was notified that the remaining amount of money ( {$6000.00} dollars ) was not at home and went in to speak to the branch manager. The manager straight up asked me how much money was supposed to be allocated, and given his reaction I could've easily lied any amount and that amount of money was going to be deposited into my account. He started explaining that the teller was about to do that on his own and it was a mere problem with the system. The manager then handled me a new receipt of XXXX ( which is the amount I told him given that I had XXXX in cash in my bag ) and asked me to give back the old receipt. This is all hopefully seen in the video cameras as I left and returned. I know for a fact that if I haven't returned back to the branch crying due to the situation I would've been rip off by a substantial amount of ( {$6000.00} )
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

In XXXX XXXX I changed insurance companies lowering my homeowners insurance from {$1000.00} per month to {$690.00} per month. I called Carrington and made them aware of the change and so did my XXXX XXXX XXXX. In XXXX XXXX I noticed there was no change in my monthly payment. I concluded that they may need time to make the updates. In XXXX my monthly payment remained same. I called Carringtion and was told that they needed to do an escrow analysis and the adjustment would then be made. 
When I received the analysis my montly payment was increased from {$760.00} to {$780.00} beginning XXXX XXXX. I called and asked how could that be and the representive told me there was a short. When I asked to speak to a supervisor she put me on hold and no one ever came to the telephone. Also I never received a refund for the funds that were in escrow when I switched insurance companies so there should be an excess not a shortage.