davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Equifax Information Services LLC violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )
Consumer complaint received 2020-09-25
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. (NJ)

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department  of Education  to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (OK)

I have had identify theft in XX/XX/2021. I have frozen my credit 2 years ago with all three credit bureaus, but wanted to check my credit reports due to the identity theft. I had no trouble with XXXX or XXXX, but Experian is a disaster. I have literally combed their entire website, and tried about 8 different phone numbers I found for them and tried every menu path on the phone systems. There is literally no way to speak to a person to get me logged back in, or even ask for help about the identity theft. I emailed them but they are no help. I just need someone to give me a number where I can actually talk to a person, actually, no, I don't want a number ever again, I want them to call me because every time I'm given a number, it goes to the black hole menu systems on their phones. So, I just need them to reach out to me because when I put in my birthdate and SSN to login on their website, it says the two don't match, but I know I have the right date and SSN. Have tried many times. PLEASE HELP AS I AM CONCERNED SOMEONE HAS TAKEN OVER MY EXPERIAN ACCOUNT AND EXPERIAN IS NOT HELPING RESOLVE THIS TIMELY SO I CAN STOP IDENTITY THEFT!
Consumer complaint received 2020-09-25
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-09-13
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX This account has unverifiable and incomplete information please remove this from my credit report 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove from my credit reports balances are Incorrect and Unverifiable Information please remove Immediately per FCRA. 10. The following status of this account is incorrect and incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 12. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following status of this account is incorrect and incomplete and is reporting in accurate balances XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 17. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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: JPMORGAN CHASE & CO. (DC)

Fraud associated with unlawful evictions, theft, harassment, breach of contract, domestic violence and or other matters not listed here, which is causing information that doesn't belong to me or should not legally exist on my reports.
Consumer complaint received 2022-05-15
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 ()

On XX/XX/2022 my Paypal XXXX  was permanently limited by the company. The company did not even tell me the reason why my account was permanently limited. I have XXXX in said account. It is my 2nd account that was permanently limited. What they did to my first account is they took all the money after 180 days allegedly as payment for the damages which i dont know. I hope you can help me restore my account because i am not in any way involved with any fraud. If they suspect that i am involved in a fraud, i am willing to cooperate Here is my paypal account : XXXX XXXX
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

I ordered groceries from door dash totaling {$94.00}. My order never arrived to my door. It was taken to the wrong building. I asked door dash for a refund and was denied. I made a claim with Wells Fargo and they said they found that the transaction was authorized and a processing error did not occur which was not my issue. My issue is that I was never delivered goods and I have actual screenshots during the day and time they were supposed to be delivered. The only person on the XXXX camera was me looking for my food. Now Im being charged on the XXXX unfairly and would like to get some help.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On or about XX/XX/XXXX, while in the middle of the States lockdown order by Governor XXXX, I was notified on my front door with a foreclosure sale notice. Since then I have been having nightmares regarding the loss of my house where seven living family members reside with me at my home. Additionally, Im a mother of XXXX with XXXX of my daughters being a XXXX XXXX who is in the frontline of the war on Coronavirus. 

I sincerely believe that the banks irresponsible steps to serve the notice while we, as a nation, are going through COVID-19 crisis should be well disciplined. It is in fact a direct violation of Governors Executive Order to halt all foreclosure and eviction activities. Furthermore, Im in litigation with the lender in XXXX circuit court since XX/XX/XXXX ( XXXX XXXX ) and awaiting Appeals Court ruling on my case ; and with the court houses and government agencies being on a reduced staff, the bank is acting opportunistically to foreclose on my home when they in fact know that I can not file any sort of automatic stay with the courts while were in this Coronavirus pandemic. As a US citizen with Homeowners rights, I ask your office to investigate this matter and put a halt to the bullying and harassment actions by the bank ( clearly demonstrating that they are above the law ) and reverse course with their foreclosure action. I also appreciate you providing appropriate resources that I can use to formally file my complaint.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am extremely upset with XXXX XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation 2 and half months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. I sent letters certified to XXXX, XXXX and Equifax XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, XXXX and Equifax. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. XXXX, XXXX, and Equifax have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (RI)

I applied for first progress XX/XX/XXXX, they immediately took the money out of bank account and I paid the XXXXrush fee to receive my card in 3 business days the application stated when my money clears I will receive my card I paid a total of {$210.00} and I would have XXXX on my card. Today XX/XX/XXXX I still have not received my card? But I will be paying interest on card I have never received or used due to this card it arriving in time I can not the company unless I write to them which will delay this process even more how am I ever going to resolve something without phone contact? I contacted my bank to see if I can dispute to get my money back and close the card I do not want at all now!
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

In the month of XX/XX/2021 my father expired due to XXXX, mom had a prolonged illness due to XXXX ( spanning XXXX and XXXX ). My daughter was born on XXXX XXXX 2021. Due to all these personal issues I was overwhelmed and forgot to make payments to the tune of some $ XXXX. Even though my other credit cards with autopay had been paid every time in full upto the tune of $ XXXX. This suggests my good financial condition. I requested XXXX to take note of this overwhelming situation and help in pardoning one off late payment. But they simply refused. XXXX has destroyed many families and put lot of people in stress. Taking note of this situation I would plead to your esteemed office to help remove the late payment from my credit report as it is adversely affecting my credit report.
Consumer complaint received 2021-08-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

I have called the va they said I had to many repayments. But I fell down the steps at work and lost my job then corona hit and my husbands hours got cut. The va said the mortgage company can do a repay they refuse keep saying its on the va. Then the mortgage company never told me I could still just pay the back payment to get caught up then waited till I owed XXXX or more and said it was going to foreclosure they kee extended the loan and I am trying to catch up but XXXX is a lot to catch up to. My husbands hours are back to normal for now
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (FL)

I have submitted XXXX separate disputes with XXXX and XXXX Disputes with Equifax regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a XXXX XXXX XXXX XXXX' by me, Per the F.C.R.A.. XXXX XXXX XXXX XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are XXXX and Equifax doing so? Equifax took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXX times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - XXXX letters, Equifax - XXXX letters, XXXX - XXXX Letters XXXX - XXXX Letters
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I made {$3000.00} on XX/XX/2020 and want to pay 1 mortgage payment of {$1400.00} ( {$380.00} to principal, {$1000.00} to interest ) and {$1500.00} to principal. 
I made additional {$20.00} payment to the principal on XX/XX/2020. Total {$1900.00} to the principal. 
The beginning balance of XXXX is {$260000.00} and the ending balance should be {$260000.00}. 
After so many call, Caliber Home Loans still didn't make it correct.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

My complaint is with Cashapp. They are sending out a general message saying that a technical error occurred between XXXX XXXX and XX/XX/2023 where I used my card but the funds were initially put on hold, then released back to my cash app. Resulting in me having a higher balance. And now they are recovering their funds to complete the payment. This statement is false. I dont hold much money on my cash app, so I would have noticed if I had XXXX of extra dollars in my account. 

The transactions are XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX All of the transactions were made at XXXX, XXXX states that they were not paid twice. But I can assure you that the money was taken from me twice