davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CO)

In accordance with the Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and improper use of credit recording.

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 states a consumer reporting agency can not furnish a 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. 
XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MN Child Support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Amount : {$40000.00}. This amount is incorrect and falsification of what I owe in back child support and has violated my rights. I want this incurrie 's removed from all three Credit Bureau : XXXX, Equifax, and XXXX of my Credit Reports. I have disputed with all three Credit Bureau in XXXX and it was not removed yet. I have record that I do not owe this much, due to bi-wkly wages garnishment and Tax refund garnishment deductions every year! My son is XXXX yrs old and my obligations of scheduled payments was supposed to have ended on XX/XX/XXXX but was extended until XX/XX/XXXX per State of Minnesota Child Support Enforcement.

I want CFPB to permanently remove all open and closed accounts on all three of my Credit Reports, due to my legal rights to dispute these incurrie 's of all paid debt that was paid by me in full or agreed on a settlement to pay off debts listed on my credit report listed below on all three credit bureau reports : XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, Paid in full or agreed settlement. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX Ref Case # XXXX. Paid off balance on XX/XX/XXXX. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX, Paid in Full. 

XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX, Balance : {$300.00} Closed Account Date : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened:XXXX, CLOSED DATE : XX/XX/XXXX. 

XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX. 

Child Support Enforcement Acct # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Balance : {$0.00}. 

XXXX Account # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX. Balance : {$0.00}. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX. Closed Date : XX/XX/XXXX Balance : {$0.00}. 
Please delete and remove all open and closed accounts off of all three credit bureau report companies : XXXX, Equifax, and XXXX.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

On XX/XX/2023 Chime reached out to me via email asking for verification from me such as ID, proof of address. And a form to verify my monthly direct deposit. I sent it XX/XX/2023. I havent heard back from their support & review department since XX/XX/2023. I called everyday. No solution. I have over {$6000.00} in the bank. I cant pay my rent and bills without this money. All they can say is sorry and the can escalate this so I can get a response from their support team within 24 hours. Here we are XX/XX/2023 and theyre saying the same thing. Please assist my children and I may be facing eviction. 


Thank you
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (LA)

Hello, I received my complaint response from XXXX XXXX, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. 

I also see were it states that XXXX is NOT reporting to the credit agencys. What do you mean exactly? Do I pay XXXX, and then you report to the agencys that it is paid for? 

Yes I did speak with a person who is a representative ( 1 ) time from XXXX. When you say ( 3 ) times to my line from XXXX in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call. 

I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from First Progress and also including XXXX. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of XXXX XXXX letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? 

I am trying to work with you to get this resolved in the best way possible. 

Can you tell me what I can do to make XXXX  meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. 

Thank you.
Consumer complaint received 2023-02-22
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: ENCORE CAPITAL GROUP INC. (GA)

I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WI)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late payment : XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (MO)

To Whom It May Concern, I am writing to file a complaint against Synchrony Bank/Guitar Center regarding inaccurate reporting on my credit report and their handling of a disputed account. Despite my efforts to resolve this matter, Synchrony Bank continues to report the account as a negative item, causing significant harm to my credit. 

I have never opened an account with Synchrony Bank/Guitar CenteXXXX XXXX After noticing the account on my credit report, I promptly disputed it and filed an FTC Identity Theft Report to formally document that I did not authorize or open this account. Despite this, Synchrony Bank has refused to provide a validation of debt or any supporting documentation showing that I am indeed responsible for the account in question. 

Additionally, Synchrony Bank has reportedly sold the debt to Full Layer Recovery. However, they are still claiming ownership of the debt and continue to report negative information on my credit report. This is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), as they are not able to substantiate the validity of the debt. 

The inaccurate reporting has caused damage to my credit score, affecting my ability to obtain credit and other financial services. I respectfully request that the CFPB investigate Synchrony Bank 's practices in this matter and take appropriate action to ensure the erroneous information is removed from my credit report and that they comply with all applicable regulations regarding debt validation and credit reporting. 

Please find attached copies of my FTC Identity Theft Report, my credit report showing the negative item from Synchrony Bank, and my previous correspondence regarding this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an online record store on XXXX marketplace in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. 

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the COVID-19 pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX XXXX XXXX XXXX, for dental work, I was forced into getting a care credit account, which I did not want, I told them many times, I've called many different numbers from Care credit, but only get an automated machine, I paid in cash for services at the dentist, I haven't charged anything to the card. I am unable to close the account, they pushed me to open, so they could charge the dental work to it.
Consumer complaint received 2020-05-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (FL)

We closed on a new purchase VA loan with Supreme Lending last week. We had horrible communication ( not answering or returning phone calls for days and not knowing where our loan was in the pipeline ) from the moment after we agreed to use them and paid ( up front and out of pocket ) for the appraisal on. The amazing rates which I was quoted at first disappeared once it was to late to switch to a different lender and went up despite market rates going down. We ended up closing late because the loan officer XXXX XXXX not getting our closing disclosure out on time. She neglected to tell anyone that closing would be delayed by several days ( which could have cost us this home ) until 20 hours before closing was supposed to take place even though she had known for 3 days. This delay cost us hundreds of dollars and we barely got an apology. This was our 5th home loan and the most stressful and decietful loan officers I have dealt with. Avoid XXXX XXXX and Supreme Lending at all costs.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, XXXX and EXPERIAN have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I called fifth third to see if I could get any overdraft fees reversed because I had been told in XXXX when I called, I would be eligible after XX/XX/XXXX. Also to note I called in XXXXXXXX XXXX XXXXXXXX and was told I was eligible in XX/XX/XXXX which is why I called in XXXX. In XXXX, I was told I had to wait a whole calendar year before I could request one and the first one I received was in XXXXXXXX XXXX XXXXXXXX. ( Same thing I was told in XX/XX/XXXX but that the first one was in XXXXXXXX XXXX XXXXXXXX ). 

The rep i talked to on XX/XX/XXXX told me I was not eligible till XX/XX/XXXX and not sure why I was told differently. I asked to speak to a supervisor because all the calls are recorded and I wanted to know why I had been told wrong info several times. I was transferred to a specialist and not a super ( XXXX  She would not give me full name ) she was very rude and kept repeating herself and told me they would not review the calls because they only do when its an error on the bank. I told her this was, they gave me wrong info. These people should be at the least coached! I again stated I wanted to talk to a supervisor, she immediately transferred the call and cut me off. 

I then talked with a supposedly supervisor named XXXX ( would not release his last name ) he explained my first reversal was in XX/XX/XXXX which is why I had to wait till after that date to ask for any fees back. I had fees accrue in XXXX and XXXX but since I didnt ask for any of them to be reversed till my XXXX fees, they use that at the start date for the reversals. 

While I understand now I am completely appalled by how I was treated and how so many agents could tell me wrong things. This is deceptive and deceiving as well as does nothing to help the consumer who has banked with them for several years and paid several hundreds of dollars in fees.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a mortgage through JP Morgan Chase for {$980000.00} for a first mortgage refinance. They sent me the Loan Estimate in the mail with all the pertinent information. 
Interest rate for 30 years fixed was 2.5 % with closing costs at {$20000.00}. Monthly pay for principal and interest was {$3800.00}. 

No issues with any of that. 

When I called on the phone to proceed the rate was 3.375 % with a {$4400.00} payment but if I wanted the 2.5 % then instead of {$20000.00} in closing costs it would be {$38000.00}. 85 % more. 

How can a firm put this in writing to you and just blantantly lie to you. 

There should honor what they sent. Rates went down within the seven days after I received the letter and called.
Consumer complaint received 2023-02-22
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)

XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account XXXX : XXXX  # XXXX 15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions. 

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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: GOLDMAN SACHS BANK USA (FL)

Dispute XXXX - Goldman Sach ( AppleCard ) In XX/XX/XXXX I approved a transaction to purchase a PRINTER from a company named XXXX for {$88.00} with the AppleCard ( Goldman Sach ) XXXX I was watching the purchase closely since I wasn't sure I made a mistake based on the amount paid. I sent an email to the company to ask for status and never received a response. The credit card charge was for the same amount ( {$88.00} ) but with a company name XXXX. On XX/XX/XXXX, I initiated a dispute with the credit card since by then I knew that I fell into a scam. I described to them the same as stated above. By XX/XX/XXXX I received a response from Goldman Sach ( AppleCard ) that the charge remained since the merchant provided evidence showing that the charge was mine. Re-opened the dispute, requested copy of the evidence and never received. During the evaluation period I received an email from Goldman Sach to provide anything I had to support the investigation. I didn't have much at the time since I didn't have any of the evidence they had supporting keeping the charge, only the email I sent following up the delivery of the printer that I originally ordered. 

By XX/XX/XXXX I received the Outcome of the investigation, without them providing any evidence, indicating that the charge remained because I failed to provide any evidence against the charge. This time I requested I called and requested to talk to a supervisor. During this conversation I indicated the multiple times I requested the evidence for the case and never got. The evidence arrived and submitted I prepared a document with my own findings. When I called to include as part of my case, they indicated I had to wait until they would send me an email for me to include. Once again I had to request a supervisor to be able to include the finding report on my own terms. 

Findings after reviewing evidence. 
1. Goldman Sach failed to realize that the evidence that was provided by the merchant was for the purchase of 2 pieces of clothing when I send them information that my order was for a printer.

2. Goldman Sach failed to realize that the documents provided had 2 different IP addresses referenced for the purchased transaction origin. 
3. Goldman Sach failed to realize that the provided tracking number by the merchant was a false number that does not exist in USPS. 

Attachments included : 1. Evidence that the merchant provided to Goldman Sach. This evidence was provided to me after the second time of reopening the dispute.

2. Documented report showing my points 1 and 2 from the findings.

3. USPS website screenshot showing the evidence reference tracking number does not exist.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On the XXXX of XXXX, XXXX. I deposited a check in the amount of {$400.00} to my chase account. My deposit cleared 48 hours later to which my account was randomly restricted. I was told by the fraud retention group, after 7 days this account restriction would be removed. They were hoping during this time, the check would return. But, a legitimate check has no reason to return. They have me in financial strife currently due to me being unable to access completely cleared funds that I am entitled to. As of XX/XX/XXXX my deposit has still not returned and I am unable to access my account. I have no online access to my account either. Chase Bank has tried to reach out to the check maker, and still will not kindly release my funds after promising a release date of 7 business days from my deposit.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MO)

Discover closed my credit card due to inactivity without notifying me. I have been a customer of Discover for 20 years, have never made a late payment, and never even approached my credit limit. 

I received no notifications that this was happening, either by mail or email. No attempts were made to call me. 

They refuse to reopen the card, which was closed without my knowledge only 3 months ago. They want me to reapply for a new card. 

I have been damaged by this as the excellent credit history of the card has been deleted from my credit report, my total available credit has been reduced, which will adversely effect my credit score, and now have less actual available credit if I need it. Further, they want me to re-apply which will damage my credit score by adding an inquiry, and placing new credit on my credit report.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

I am trying to buy a house and its defamation to your character and livelihood. This is not my account. Spring Oaks Capital LLC. {$1000.00} is under collections. I had deputed in XXXX.