davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

My Citibank checking account was compromised over 4 months ago and they decided to close it ; however, they never sent me my {$620.00} or the balance remaining. I have called them over 40 times only to be hung up on or placed on an eternal hold.
Consumer complaint received 2021-10-07
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (IL)

I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions
Consumer complaint received 2018-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

I lost my job in XX/XX/XXXX and US Bank agreed to accept reduced payment until they shut off access to my on-line account for me to make payments and the bank refused to accept payments because they were starting foreclosure proceedsing in XXXX/XX/XX/XXXX. 
On XX/XX/XXXX, I paid US Bank {$2200.00} via cashier check to bring my account current and stop foreclosure proceedings and was told my monthly payments would be reduced to an amount that I could afford. 
US Bank lost my cashier check and found it in XX/XX/XXXX. Despite the agreement that they made that the the {$2200.00} would bring my account current, they are now requiring that I pay {$1.00}, XXXX as part of a repayment plan, plus {$1000.00} for a monthly payment, for a total of {$2200.00} by XX/XX/XXXX. If I don't pay the {$2200.00} by XX/XX/XXXX, they will start foreclosure proceedings again. 
Additionally, I am required to pay {$410.00} by XX/XX/XXXX as part of a repayment plan. 
I have been in conversation and correspondence with US Bank regarding this matter and they have refused to honor their committment.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (NC)

My name is 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.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H & S Financial, Inc. (OH)

I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (MI)

Derogatory marks View all accounts COLLECTIONS Capital Acct Opened XX/XX/XXXX Overview You have 100 % left to pay on this collection. 
Balance {$130.00} Highest Balance {$130.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Opened XX/XX/XXXX ( 2 yrs, 5  mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information CAPITAL ACCOUNTS LLC This was a new dentistry in our town, who had bought the old dentistry  where we went for years. The new dentist automatically renewed the annual checkup for my wife and me. I went there for the annual service and the bill was send to my insurance company. My wife did not go there as she was out of the country and I told the dentist at my appointment. I received a bill for both services through my neighbor who forwarded our mail as we were out of the country at that time. 

I called the dentistry who told me that my appointment ( which they has set ) was one day before a year was out from my last appointment, so the insurance company would not pay. ( remember, they set the appointment ) I and explained that I did not feel responsible for that error and that my wife did not have that appointment, did not come for the service as she was out of the country at the time of service. They did not care and wanted to get paid anyway. 

Some time later they sold this debt to a debt collector : Capital accounts LLC. They called me once and threatened to sue me. I countered that I wanted to have them take me to court so I could explain to a judge what happened and they would stop harassing me. The person who called said : I see, you are issuing us a Cease and Desist notice. 

That was the last that i heard from them. However with the service I have : XXXX XXXX, it came to light that this debt is still in my history as not paid. As that can influence my credit rating of financial services : I want this debt removed from my history. Can you help with that? 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-07
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. (NY)

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

In XXXX I opened an account with Chase Bank for Direct Deposit of employment. This account was always in good standing since the day it was open. As of XX/XX/XXXX my account was locked due to fraudulent activity that was not authorized by me. An amount over {$2000.00} was fraudulently transferred into my Checking Account at the time with Chase Bank. On the same day of this activity, I called Chase Bank and spoke with a Teller whom asked me a few questions about my account and why I had this amount in my account. The teller I spoke with gave me a hard time, but  eventually he helped me. After my account was closed, I received a statement in the mail from Chase Bank to make a payment of {$240.00} due to the fraudulent activity that was done on my checking account. When I called back to speak with Chase about why I was responsible for paying an amount of something that I was not at fault for, they simply told me that I should have not lost my card. In the year XXXX, I went to visit a Chase Bank and tried to open my account again, but due to it being closed they told me they would no longer do Business with me anymore. When asking why, they simply said they could not disclose that information. No one would help me to understand why I was responsible for paying {$240.00} and why I could no longer open an account with them. Years later after changing jobs in XXXX I tried again and they told me that same thing and even said the same over the phone. In XXXX I attempted to go into the Chase Bank Branch to get more information on how I could open an account with them again, and they said the same thing. They would not do Business with me anymore and they not disclose any information with me. As of now, I would like to open an account with chase but due to this hold on my credit or name for which I am not at fault for, I can not start the business that I would like to start as well as building my credit. I'm a XXXX  as well as an employee whom is looking to have her own Business, but I can not do this if Chase Bank is going to be in the background of my credit. Purchase a car, a house but I just would like to have this cleared off of my credit or is possible my name. My future is everything and if my credit is affected by this, what can I do? No one should have to ever go through this with any bank.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (MO)

Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (UT)

For some reason, one of my active accounts is no longer showing on my report, which affects my credit score. XXXX XXXX with a credit limit of {$5000.00} is only showing on XXXX. Please put it back on Equifax
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Mortgage company is Wells Fargo. Wells Fargo created two accounts using my SS number as an EIN. Then on XX/XX/2021, XX/XX/2021, and XX/XX/2021, Wells Fargo debited my mortgage escrow account {$650.00} ( 3 times ) to send payment for a hazard insurance premium due to XXXX XXXX. XXXX XXXX contacted me that payment had not been received, and that the policy would terminate. The policy terminated and was renewed after one payment was received. Wells Fargo had stopped payment on 2 of the 3 checks. Only one ( 1 ) credit escrow account has been received or only one of the two stop-payment checks. They will not remove the inaccurate account they created using my SSN as an EIN. I can not use on-line banking because of this. Wells Fargo states that XXXX XXXX should refund the credit.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc. (NJ)

Hello, I submitted an application for a refinance of my investment condo located in XXXX NJ to Loan Cabin through their website on XX/XX/XXXX. I received an acknowledgement email on XX/XX/XXXX ( see attached ). On XX/XX/XXXX, XXXX XXXX, XXXX of Mortgage Banking at Loan Cabin, emailed me that she received the application and requested some additional information that I immediately provided what she needed. On multiple occasions I requested a Loan Estimate and Loan Cabin did not provide and many times did not respond. I sent multiple emails to XXXX and Loan Cabin and she finally provided a meaningful response on XX/XX/XXXX. I attached a copy of the back and forth email communication between myself and Loan Cabin. I applied to other banks and had no issue getting a loan estimate in a reasonable amount of time but I held out because Loan Cabin quoted me with the best rate. After discussing my situation with a family friend who is a realtor, they mentioned that Loan Cabin should have legally provided a Loan Estimate within 3 days of the application being submitted or else they would be in violation of TRID Regulation Z. I'm very frustrated with my experience with Loan Cabin and wanted to bring this matter to your attention.
Consumer complaint received 2021-01-29
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: U.S. BANCORP (GA)

Back in XX/XX/XXXX, I reached out to US Bank ( XXXX XXXX to advise that I had been impacted by Covid and needed assistance. They offered a program to me in which I could defer a payment for 2 months XXXX XX/XX/XXXX and XX/XX/XXXX ). They also extended it because no payment was required in XX/XX/XXXX as well. I just reviewed my statement and saw that they are charging {$610.00} as my minimum payment. I called and spoke with a representative named XXXX. XXXX advised that the payment is this amount because these are the minimum payments from XXXX through now. I was never told this by a representative nor did I ever receive any correspondence saying that I would have to be responsible for the payments that were deferred under the covid plan and they are now causing me further financial hardship. This is predatory. I would have never agreed to the plan had I known that they would handle it this way.
Consumer complaint received 2021-01-29
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. (GA)

XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.
Consumer complaint received 2018-02-07
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. (FL)

Equifax and XXXX  credit services are reporting different account histories. XXXX  is reporting from XX/XX/XXXX to current, while Equifax is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. Equifax is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while XXXX  is less days late. Equifax said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
Consumer complaint received 2021-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

I wrote to Ally about late payments on my auto account, asking them to verify and show proof in writing of my signature to verify my late payments. I gave them several opportunities in the past year to show me this information even though the FCRA gives them 30 days frIm the time of my first request sent by certified mail to show the date. They have never shown me validation of this debt, just internal reports showing that they have in their records that I was allegedly late with 7 of my payments out of the 84 that I made. They have no need or no use to continue to report this illegal information since they didnt verify my signature stating my obligation to repay the debt in the 30 day period previously mentioned. This is a closed account paid in full. They are not acting in good faith to remove these illegal entries of my allegedly being late with payments. I always maintained contact with Ally throughout the course of the loan and paid back every cent of my obligation. Please direct this company to remove these incidents of 30 and 60 day lates that only cause harm to my rebuilding credit. They are on there illegally.