davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent 4 letters to Transunion and the return receipt number is included in the Letter.

I have sent them letter after letter and they have not removed any of the information that I have made them aware of being fraudulent. 
I am submitting the other letters as proof of me having sent the letters. the only letter that is notarized is the final letter stating that court is going to be the next course of action. XXXX has promptly deleted all information that I have requested of them and we are in the dispute settlement process as we speak.
Consumer complaint received 2022-08-12
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. (FL)

Dated on XX/XX/XXXX CFPB Complaint ID XXXX Equifax Information Services LLC stated Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : AND NOW ON THIS XXXX DAY OF XX/XX/XXXX, THIS IS FOR THE RECORD, THIS NOTICE IS NOT A DISPUTE, I, XXXX XXXX, Consumer, am demanding proof of documentary evidence of Equifax Information Services LLC have complied with FAIR CREDIT REPORTING ACT 15 USC 1681e ( b ) and demanding deletion of the following account XXXX XXXX XXXX XXXX account number XXXX If Equifax Information XXXX XXXX willfully and knowingly fail to comply with the FAIR CREDIT REPORTING ACT 1681e ( b ) shall be fined with PREJUDICE! 

Equifax Information XXXX XXXX has a outstanding reputation for violating FAIR CREDIT REPORTING ACT 1681e ( b ) SEE XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trust Financial LLC (ID)

They billed for an exact amount and eventually filed a lawsuit for a debt that was paid in XXXX of XXXX and in XXXX of XXXX. We explained several times and produced documents where we paid the medical bill. Now they are going after XXXX and with filing fees and other fees they are now saying {$160.00} for attorney fees as well, for a {$620.00} total. 
Again we paid the debts on XX/XX/2020 and then the XXXX billing on XX/XX/2020. PIF We have wasted an extreme amount of time providing them with this information and because of their poor recording keeping, Trust Financial, XXXX XXXX as well as XXXX XXXX XXXX XXXX are still chasing the original {$160.00} plus now additional fees. 

They are chasing after old debt without double checking their payment records and even after providing they are continuing. We believe due to new rules related to the reporting and collection of medical debt they are wrongfully going after older medical bills against employed debtors. But in this case they have it wrong. 

Furthermore, they served my father at his house and I havent been at that address for over XXXX years and I was mortified at the
Consumer complaint received 2021-10-13
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. (IN)

I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or Equifax either .
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

A hacker accessed all my Citibank Accounts and use the XXXX function to do several unauthorized transactions : 1 ) Checking account ending XXXX On XX/XX/XXXX and XX/XX/XXXX a total of 9 XXXX transactions totaling $ {$4900.00} 2 ) Interest Checking account ending XXXX On XX/XX/XXXX a total of 3 XXXX transactions totaling {$2400.00} Citibank customer service never alerted us on those consecutive unauthorized transactions. A police report was given to Citibank, despites several phone calls and many hours spent asking for a report of their investigations, still Citibank hasn't provided proof of their investigations or refunded the amount stolen.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 at XXXX, I withdrew {$400.00} from the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I withdrew the money from my XXXX card to cover a debit from XXXX XXXX to my Chase Checking account ending in XXXX. 

I deposited the cash into my checking account and while the transaction was processing the prompt told me to " remove my card ''. 

Once I removed my debit card from the ATM machine, an error notice appeared and said my " transaction was canceled due to removal of the atm card '' ... but it NEVER returned the money. 

I was only able to successfully process the check for {$71.00} issued from SELF, but the cash deposit WASNT RETURNED and my account is currently in the negative. 

I tried contacting customer service for Chase Bank but I am outside of business hours.
Consumer complaint received 2022-08-12
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. (OH)

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 a account without my written instructions.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

Beginning in XX/XX/2019, I discovered my mortgage payments had not been applied to my account with Quicken and late fees were being applied even though Quicken has been cashing my payments every month on or before the XXXX when the mortgage payment is due. ( i.e. XXXX or XX/XX/XXXX ) I tried calling for several weeks and could never get anyone on the phone. Finally I spoke with someone a couple of weeks ago and was told my escrow payment was increased by {$260.00} each month due to earlier tax bills being anticipated 2 month earlier than normal! ( i.e. XXXX or XXXX instead of XXXX ) When I proceeded to tell the Quicken representative ( XXXX ) that is not true and to send me something in writing from my tax office, she said they didn't have anything in writing from the tax office. I made it very clear that I had spoken with my tax office as well as looked on the website for the 2019 tax bill due date and was told there is no bill date yet however each year its somewhere around late XXXX but bills should be mailed out sometime late XXXX or XXXX. I've also attached a screenshot from the county 's website which reflects this. After talking with this rep, I asked to escalate to a manager but was told I couldn't speak with any one higher in the organization or escalate my complaint. I was then called by another rep ( XXXX ) who at stated she talked with the county and the tax bills didn't have a due date but they have a potential to change based on when the tax bill is due and that Quicken would not be reversing any late payments on my account!!! How can a mortgage company increase my payment by $ XXXX/month and start charging me a late fee due to tax bills that have not been assessed nor has any indication of requiring payment earlier than what they have been over the last 20 years! This is mortgage fraud at its best! Please help!
Consumer complaint received 2019-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I make regular additional monthly payments of {$100.00} a month to Firstmark Services ( a division of Nelnet and a loan servicer of XXXX XXXX ) to pay down my student loan ( this is in addition to the minimum payment of {$50.00} per month which XXXX automatically debits from my account ). After cashing my additional payment checks for years, XXXX failed to cash the additional payment checks for XX/XX/2019 and XX/XX/2019. XXXX was very unhelpful - basically my only recourse is to pay my bank to cancel the checks ( at a cost of {$29.00} per check ) and then reissue the checks. I am very unhappy about this. XXXX can give no reason why they stopped cashing the checks. The address to which the checks were sent is the same, and the checks are sent based on an automatic payment system with my bank, XXXX, which also remains the same. This feels like another way to gouge student loan payers by forcing us to pay for XXXX mistakes. XXXX refused to pay the extra interest that has accrued based on their not cashing the checks, nor did they offer to help in any way. When asked XXXX also would not give me the federal agency that regulates them so that I could lodge a complaint - they tried to send me to the XXXX XXXX XXXX.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

My Purse was stolen out my car in XX/XX/2015 and I noticed on my credit report I had accounts that's not mine. I made several attempts to contact the companies and let them know however its still on my credit report. I also made a police report and have copies.
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. (FL)

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX XXXX {$450.00} This account does NOT belong to me
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

This is a response to case # XXXX. You still have addressed my complaints. 
You response was that the balances were calculated correctly. How can it be correct if you are applying returns towards my total balance for flexible financing offers? By you doing this, I will ended up paying my flexible financing offers too early and you are still charging me the fees in flexible financing offers for the period of 18 months. Maybe I should stated that my total balance for flexible financing offers was calculated incorrect as all my returns where credit against my total balance for flexible financing offers and not purchase. You can see it by the following in my statements : My total balance for flexible financing offers for the statement of XXXX was {$22000.00}. The interest savings balance was {$3200.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid {$3300.00}, which was a little more than my interest savings balance. Then, for the next month XXXX, my total balance for flexible financing offers was {$20000.00}, which was correct since I paid the monthly payment due of {$1400.00} for flexible financing offers and new purchases. The interest savings balance for XXXX was {$6700.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid the interest savings balance of {$6700.00}. Then, XXXX statement came and my total balance for flexible financing offers came down from {$20000.00} in XXXX to {$10000.00} in XXXX. For the month of XXXX, my total balance for flexible financing offers was {$10000.00}. The interest savings balance was {$14000.00} and the monthly payment due for flexible financing offers was {$1400.00}. Can you explain how my total balance for flexible financing offers came down dramatically since I was just paying the monthly payment due for flexible financing offers and new purchases in the prior month? I can, you applied the returns I had made to XXXX XXXX XXXX and XXXX in the amount of {$8300.00} towards the total balance for flexible financing offers and not purchases. And that explain the reason my interest savings balance was so high in XXXX. And I went back and I see that most of my returns were applied towards the total balance for flexible financing offers. Since you applying returns incorrectly to flexible financing offers which makes my interest savings balance to high, please remove the fees as I will end up paying for this " flexible financing offers '' too early.
Consumer complaint received 2021-10-13
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-13
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. (PA)

Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.
Consumer complaint received 2021-10-13
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-17
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. (HI)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX
Consumer complaint received 2021-10-13
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. (OH)

These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE Account Number :
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have already filed a complaint Id XXXX. It shows Mr Cooper Responded and the status is closed. Upon checking with the County tax collector, the taxes have still not been paid. There is no correspondence, fax, or contact with them at all from Mr Cooper. I would like to follow up with this complaint. I am getting nowhere with them. The next tax season is coming up and I'd like to clear this up before a bigger mess is created. Please help me
Consumer complaint received 2021-10-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-13
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: LEXISNEXIS (TX)

I have received a letter from Lexisnexis the data furnisher that provided XXXX with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by Lexisnexis, XXXX, XXXX or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

XXXX has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. XXXX has not re-investigated the alleged bankruptcy. XXXX has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I called Equifax on Friday XX/XX/XXXX as I was locked out of my Equifax account and needed access to be able to dispute inaccurate information. The gentlemen I spoke with told me he unlocked my account and I would receive an email. I disputed several address on my credit file that did not belong to me and was given a confirmation number of XXXX. I tried to log onto my Equifax again over the weekend and found out I was still locked out. I then called Equifax again on Tuesday XX/XX/23 and the Equifax phone system would not allow me to speak with anyone to check the dispute status nor inform Equifax that I was still locked out of my account. Equifax system is broken and will not let me view my Equifax credit report online nor let me speak with anyone to correct the errors so that I can have access to my personal credit information. I have attached a copy of my drivers license for proof of my identity.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2022-10-15
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.