davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

THIS COMPLAINT IS REGARDING XXXX XXXX XXXX ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH EQUIFAX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
XXXX XXXX XXXX AND EQUIFAX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE XXXX AND EQUIFAX FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO EQUIFAX AND XXXX SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM EQUIFAX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE XXXX FINAL LETTER.REMOVE XXXX FROM ALL BUREAUS
Consumer complaint received 2016-08-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

my ex husband and his lawyer sent a subpoena to my mtg company for my application, payment history etc and seterus gave it to them, this is not a court order just a request from my ex husband who is not on my loan and never has been the home is in my name only and bought before we were married, my ex husband now has all my personal information and mtg information this was given to him in XXXX 2015 I just found out he had this information because he used it in court for our divorce / custody battle we have now. I do n't think he has the legal right to this information and that seterus committed third party disclosure of my info. had a court or judge ordered this I would understand but none of that was done. even the judge was shocked he had this information.
Consumer complaint received 2021-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NV)

I have been trying to work with my lender for several months now trying to complete a loan modification packet but they have just been giving me the run around. I have sent several faxes with the HOA statement that they had requested and pay stubs with a reduction of hours to show my proof of hardship. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 I submitted the request that was supposed to complete my loan modification packet. My counselor XXXX XXXX has been calling them every week to confirm that they had received the documents and each time they continue to advise that nothing was received even though we received the confirmation that they got everything.
Consumer complaint received 2016-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (CA)

I have been contacted by Global Receivable Solutions, Inc. regarding a debt that I do not owe. This is the second debt collector for an unverified debt of {$69.00}. I previously disputed this debt with a previous debt collector, and they were unable to verify it. The second debt collector sent me a letter on XXXX XXXX, 2016, which was not received until XX/XX/2016. On XXXX XXXX, 2016, I sent them a certified letter disputing the debt and requesting additional information regarding the validity of the debt. This letter was received by them on XXXX XXXX, 2016, within the thirty day period. However, before the thirty day period expired, they reported this unverified debt to the credit reporting agencies. The company also fraudulently represented that the " Dispute date '' was XXXX XXXX, 2016, which is just outside of the thirty day period. However, XXXX XXXX is five days after my dispute letter was received by them, according to the United States Postal Service tracking records. On XXXX XXXX, 2016, Global Receivable Solutions sent me another letter with insufficient information regarding the debt which did not validate the debt. The letter also indicated that the debt had been reported to the consumer reporting agencies.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

Upon reviewing my credit report online, after there was a fraud alert issued on my debit card XX/XX/XXXX, there were questions from Experian and XXXX Credit Reporting Agency that said that I applied for a mortgage loan in XX/XX/XXXX ( lender not listed ) and that I owned a retail credit card. Neither of which is true. I was living in an apartment at that time and feel that my identity information may have been used by someone else. I would like to dispute these listings from both Experian and XXXX.
Consumer complaint received 2024-10-28
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. (TX)

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2015-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WI)

I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. Transunion has now updated and deleted the outdated information ..Experian and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX, XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I 've enclosed my recent credit file dated XXXX with a date of XXXX delinquency ( XXXX which according to FCRA guidelines & regulations determines the start date of the the 7 year period that this particular item shall be reported. ( exclusion date XXXX ) .I reached out to Equifax XXXX to inquire if it had been excluded however I was appalled to learn that this item ( XXXX XXXX ) credit report number XXXX had been illegally RE-AGED to start the clock over again.I 've took the initiative to research this matter further with the F.C.R.A being the predominant source of information and learned that the delinquency date CAN NOT & SHOULD NOT be re-started under any circumstances, the new date that i was given was XXXX!! Unfortunately Equifax has no regard for proper reporting of consumers information.I would appreciate greatly your assistance in this matter ... ... sincerely, XXXX XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name 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 XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 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 2022-05-29
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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 XXXX  XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2021-11-30
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 (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Dear PayPal, I am writing on behalf of my limited PayPal account due to receiving benefits as money owed from a friend. 

On XX/XX/XXXX, I created a PayPal account ( " Account '' ) at which time I agreed to PayPal 's user agreement ( " User Agreement '' ). 

On XX/XX/XXXX my account was limited due to the unemployment benefit that was received into my PayPal account. Although the unemployment benefit wasn't in my name but it was received as money payback from a friend in debt to me. My friend asked for my account and routing number not knowing it was Unemployment Benefit. 

Upon receiving the money my account got limited temporarily, which I was definitely expecting due to the high cash flow and recent scams going on. Later On my account got limited permanently which mad me very worried and concerned. I was told I was to wait XXXX days upon withdrawal, I made several complaint but I got no response. unfortunately I forgot about it due to the ongoing Pandemic. 

So I'm writing this E-mail to kindly forward this to your technical team for withdrawal of my money that has been held for quite a long period of time. 

Based on your policy it states : Pursuant to the Restricted Activities & Holds section of the User Agreement, In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) Additionally, you must not Send or receive what we reasonably believe to be potentially fraudulent funds. 

Based on what happened I didn't violate any of this policy, my friend paid me back with unemployment benefit, if you need any documents proving so I'll forward it to you and also I don't mind coming over to your office with my friend and also all the XXXX XXXX unemployment benefit application document and also a lawyer. 

I hope this mail finds you well kindly note this has also been forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX.
Consumer complaint received 2019-03-26
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. (TX)

I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.
Consumer complaint received 2022-05-30
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. (HI)

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

on XX/XX/20 my account has a positive balance of {$2.00} with 0 pending transactions. the next morning on XX/XX/20 my transactions had been rearranged from biggest to smallest instead of the order they posted in and my account was overdrawn by {$5.00}. i called PNC to get it refunded and put the account in a positive balance but they denied my request to have the fee refunded. fine. i put the account in a positive balance and went on my day. 
however on XX/XX/20 i had 2 pending charges while the account was still in negative. the credit for my account was still pending and i got charged 2 overdraft fees for the pending charges even though they hadn't materialized yet and even if they had the account would have still been positive.. BUT because the credit hadn't posted yet PNC saw it was me making transactions while negative. I called again to get these charges reversed but the customer service representative told me that a computer makes those decisions and she is unable ( unwilling ) to escalate it and would not let me speak to a manager.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Since XXXX of this year, I've been sending update letters to Equifax, XXXX   and XXXX  to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from Chase asking me to settle a charged-off and time barred credit card debt by making a payment of less than the original balance. The letter stated that once I made the requested payment they " will reduce the remaining unpaid balance to XXXX  and notify the credit reporting agencies that the account has been paid for less than the full balance ''. I contacted them by phone and they confirmed multiple times that paying the amount requested in the settlement would reduce the outstanding balance on the account to XXXX. I also specifically asked if they would provide me with a XXXX  balance letter and they said they would. After I made the payment and received confirmation from Chase that they considered the account settled I discovered that they had reported the settlement to the credit bureaus as a payment and fraudulently reaged the original balance ( minus the amount paid ). I also contacted Chase to request a XXXX  balance letter and, after multiple transfers and extended holds, was told there was still a balance on the account.
Consumer complaint received 2020-12-02
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: JPMORGAN CHASE & CO. (NJ)

I used my Marriott Bonvoy credit card to purchase a flight on XXXX airlines. The XXXX flight was canceled ( due to Covid ), and I requested a refund to go back on my card. I waited over two months and received no refund. In this time I was unable to contact the company or speak to a live person at XXXX. I then disputed the charge on my credit card. The first answer from the credit card was that the charge was valid because the merchant said I was a " no-show for the flight ''. I provided proof of cancellation and the credit card company said I could not get a refund and rebilled my account. The reason was, " that the airline was refusing to give a refund '' and that the dispute had " gone on too long ''. This is clearly a case of services not rendered. The flight was canceled and that is something that can be easily verified. I expect a credit card company to back up the consumer when cases like this arise. This clearly did not happen. They offered me a {$100.00} refund from Marriott Bonvoy and directed me to their executive offices if I wanted to dispute it further. I was told I could send them a letter in the mail, or send them a fax. No contact name or email address or phone number was provided. I find the handling of this situation by Marriott Bonvoy completely unacceptable.
Consumer complaint received 2019-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I contacted Portfolio Recovery Associates on XX/XX/2019, and advised them that I was issuing a Cease & Desist order to them. I spoke with an individual who identified herself as " The operations manager '' and refused to place a cease & desist restriction on the account.

Portfolio Recovery Associates records all their internal phone calls, so this violation of the FDCPA is well memorialized. My attorney will be requesting a copy of the call in discovery.
Consumer complaint received 2022-12-22
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: CITIBANK, N.A. (TX)

I received a notification that an alert was on my credit report today XX/XX/22. Someone opened a inquiry and credit card for CBNA/ THD ( Home depot ) today XX/XX/22. I called XXXX to dispute and they placed a fraud alert on my credit. Then I called Home Depot credit services to dispute and make them aware. They stated whoever did it used a different address to open a credit card using my name and social today but it did not have any charges on the card as of yet. They cancelled the card immediately and changed my address so they do not receive any further information in regards to the card or my information.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX, I paid off my balance of {$5200.00}. The merchant cancelled the transaction and refunded my money. This credit balance was sitting in my account and I called to get refunded. I was told that the refund request will have to be approved. I couldnt understand why my request would need to be approved. Its my money. I called again And was told the same thing. I insisted on talking to a manager. I was told by the manager that he would escalate the request. The balance, as of XX/XX/XXXX, is {$0.00}. Today is XX/XX/XXXX and I still do not have my money. In the meantime, they are profiting off my money.