davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been affected by the Equifax Data Breach. My credit report indicates two illegal fraudulent accounts in collections that do not belong to me. I have attached a letter with the information. I have contacted the credit report companies, and nothing had been accomplished as far as an investigation to these accounts. These two collections have severely impacted my life due to my credit score being affected. I have also attached proof of Equifax admitting my personal information was affected making me a victim of the date breach.
Consumer complaint received 2024-01-23
Product: Credit 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 (TX)

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Disputed Transaction Details : Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$150.00} Amount to be rebilled : {$150.00} On XX/XX/year>, I purchased an item, and despite receiving it, the product did not meet its advertised standards. The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$150.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

Someone shipped stuff and asked XXXX to charge the shipment to my account number. ( By the way, I don't understand how XXXX accepts that without my ID ). When I received the invoice in XX/XX/XXXX I called XXXX right away. I had to call them many times until finally the Fraud Department removed all the charges in XX/XX/XXXX and set the balance of my account to zero. However, in XX/XX/XXXX I received a letter from debt collector TSI ( Transworld Systems INC ) about this XXXX invoice. Since then I have called debt collector TSI and XXXX XXXX department several times. I informed TSI that is a fraud case already solved by XXXX ( case XXXX managed by XXXX XXXX XXXX XXXX XXXX ). Debt Collector TSI says XXXX need to call them to remove my file. When I call XXXX, they confirm I don't owe any money to them. So I ask them to contact the debt collector TSI to remove my file, and they said they will, but almost one month later I still see my file on the debt collector 's website. I am really worried about the debt collector sending me to the credit score agencies for a debt I don't owe. Also, this is causing me a lot of stress in my day-to-day life. I need this issue to be fixed as soon as possible. 

Important note : My last login date before receiving this invoice was XXXX ( see attachments ). This proves the fraud was committed offline, not online. I don't understand how XXXX charges a shipment to an account number without verifying the account holder 's ID.
Consumer complaint received 2021-06-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by Equifax and XXXX but still reappears as another collection. The newest date shows XXXX which is false.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

Wanted to negotiate the balance to dispute the account. Rude employees who did not want to connect me to manager to resolve this debt. Stated they were not at fault for never sending a letter and the fact I had not received one but they had verified my address. Threatened to seek legal action and transferred me to voicemail initially when I stated I did not have the funds available to pay. Notified me I only had 24 hours to make the payment or the settlement option would be removed.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

To : XXXX, XXXX, and Equifax. 
I am writing today because there are inaccurate reports on my credit. I tried to have them looked into by a repair company only to have them add the erroneous companies add it back to my credit changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Included is the list of erroneous reports. The reasons I'm calling them errors is because the days aren't correct, they are not the original debtors, and I have know way of knowing who or what I owe. Thank you very much for your attention in this matter. 
XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-23
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-09-22
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-10-31
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. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-01-25
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. (FL)

Subject : Friendly Dispute over Unauthorized Inquiries on my Credit Report I hope this message finds you well. I am writing to you regarding my credit report, where I have identified inquiries that were not authorized on my part. I would appreciate your kind assistance in resolving this matter. 

Filed a formal complaint to address this issue and ensure the integrity of my credit history. Understanding the importance of maintaining the accuracy of information and trusting that we will be able to resolve this collaboratively and effectively. 

Attached you will find the specific details of the questioned queries. I thank you in advance for your attention to this matter and am willing to provide you with any additional documentation that may be necessary. 

I hope we can resolve this amicably and quickly. Thanks for your cooperation. 

Sincerely, XXXX XXXX XXXX Unauthorized Inquiries on my Credit Report 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
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (LA)

It Is very hard to pay anything when you are laid off ( which i contacted Midland because XXXX is very unreasonable ) I called XXXX to make arrangements after I found employment but was not contacted back at all! Its really sad how the physical does people. When i became back employed my mother fell ill so i barely was working and i had to take over her bills and my own. Unfortunately, my mothers condition isnt getting any better and have been told i need to make funeral arrangements in the near future. Life is happening and people are going through a lot in life. I wish there were more human beings that actually care about people instead of money. I would sign promissory note in order to stop the garnishment and will make payments until i can give a lump sum to complete payment. At this point i will have to try to come up with money for my mothers finally business. Its very sad tho that i have to even ask for grace at this hard time in my life my kids and my mom is all i have and now i may become homeless as well as not be able to put my mother away properly. I also have a situation where i am in the process of suing a bad mechanic on top of all this! All i want was to try and establish another settlement because how can u expect someone to pay a settlement if they lost their job and then i contacted them and they never called or answered the calls. They have been ignoring me and that is the reason i have had to go through the company that sold them the debt Midland Credit but now Midland doesnt have anything to do with this anymore and XXXX XXXX had yet to contact me or anything even after i called left messages and all! This company has done this to so many people and its sad! Im struggling financial mentally spiritually and physically! Its sad how this company doesnt care! And also unfair how this company sued sure the pandemic. I had a premature child then and of course they didnt care about that either. Some one has stolen my credit card info several times, the bad mechanic has all my money that i was suppose to use to pay the debt i got laid off got a new job and now they are garnishing with no word no letter in the mail or any other communication
Consumer complaint received 2021-09-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX-Balance : {$8.00}
Consumer complaint received 2024-01-23
Product: Credit 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: CITIBANK, N.A. (FL)

On XXXX XXXX I received a phone call from their I listen to a person for XXXX and a half hours and a new dept relief program. He stated his name was XXXX and I previously spoke with him before where I paid XXXX to get balance transfer cards and credit accounts transferred to new XXXX  interst cards. He stated that it was a company called consumer credit group. All went well Later in XX/XX/ he called again stating that he was now in a different department promoting a new program DRP or debt relief program. I listened and after XXXX XXXX I was again convinced to participate. I was asked to pay XXXX to eliminate XXXX or more in credit card debt. He charged me but after that I was told to wait XXXX XXXX and on XX/XX/XXXX he would call to start eliminating process as long as I was current on all payments. I have really trusted this because we had felt with this program was legitimate. Well I was very much lied to because this person stopped contacting me and I tried to contact only to get a in known number or an operator  service that is never answered by a operator but by the person I talked to to begin with.the numbers I have are consumer credit group XXXX. XXXX XXXX XXXX. XXXX. XXXX DRP. And XXXX. XXXX gave to me as a bew contact number. Now I filed XXXX disputes with XXXX different XXXX XXXX companies. XXXX XXXX XXXX, XXXX XXXX, and XXXX. Was of now XXXX  XXXX XXXX and XXXX one has started investigating and refunded to monies. XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. But XXXX  XXXX budge I dont even feel that they have even conducted a proper investigation I sent a XXXX page hand written letter and after several calls about the dispute I was told they was scammed and they wont cover the XXXX transaction I have called again and again and XXXX  XXXX be crooked now I was lied to please help me. XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (CA)

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CashRepublic Holdings, Inc. (TX)

Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OUT TECH, INC. (PA)

An ex friends mother XXXX XXXX XXXX who works for this company got my number from her daughter who received it from a family member of mine that she is cheating on her boyfriend with and gave it to XXXX to call and harass me. It happened about a month ago also calling me back to back until I pick up. I told whoever it was when I called back to stop calling and now again today 3 times in a row until I answered she kept calling. She is doing this bc of her daughter XXXX XXXX that has done nothing but cause problems in my life with her lies and XXXX ways. Everytime I get a new number XXXX gets it from my brother and gives it to XXXX.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (NY)

I started the process for PMI removal back in XX/XX/XXXX. I called my mortgage loan servicer and confirm they received my written request and they said yes. The check was in the same envelope as the written request as required/instructed by NewRez. Then I called back as I didn't hear back for another 2 weeks and they then said the letter was not here and I had to resubmit - after they told me they had it. Either way, they never informed me of this " missing documentation '' and I assumed after talking to one of their representatives it was all set. I finally got ahold of a manager who said to re-submit to her and she would call me back IF she DIDN '' T receive the email - no call back so once again assumed it was all set. A week later I follow up with this manager to find out that she didn't receive the email but never called me back. I finally scheduled the XXXX on XX/XX/XXXX and was told to give it 5-7 days. I once again never heard from NewRez so I called on XX/XX/XXXX to confirm the results were in. A representative told me that PMI was to be removed starting with the XXXX payment but it was never adjusted. I was advised to pay XXXX to prevent a late charge and that I would be refunded the difference once they payment adjusted. The XXXX payment is showing due and is still not adjusted to my new payment. Now, I receive a letter dated XX/XX/XXXX from NewRez that is telling me I need to pay a XXXX  fee. I was already approved PMI removal by their company, how does their system generate a letter like this? Was the fee I paid not applied correctly? I have called again today and nothing is being resolved. I paid, I qualified, and my payment still has not been adjusted. 

I am told that all calls are recorded so it should be easy to review.