davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX5 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Consumer complaint received 2023-06-18
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. (GA)

This complaint is filed against the XXXX credit reporting agencies of XXXX, XXXX, and Equifax for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and XXXX are reporting the high balance on this account as XXXX. Contrary, Equifax is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and XXXX are reporting date of last activity as XXXX. Contrary Equifax is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both XXXX and Equifax reports are void or missing Date opened. 4. Also, both XXXX and XXXX are reporting date of last payment as XXXX. Contrary, Equifax is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both XXXX and Equifax are reporting completely different payment history as to days late on two year payment history calendar. XXXX reports 30 days late in XXXX of XXXX  and Equifax reports 60 days late in XXXX of XXXX. XXXX again reports 60 day late in XXXX of XXXX  and Equifax reports 90 days late in XXXX of XXXX. Then XXXX reports 90 days late in XXXX of XXXX  and Equifax reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then Equifax report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments XXXX says the consumer has XXXX 90 days late compared to Equifax reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (NV)

have the files saved. they were sent via email i believe XX/XX/year> the date on the print out off the web site. called customer wervice to see if the XXXX was showing on that end. and there is no match to the account. one print out says different. My file was down loweed from the website and the other was from customer service data site and sent to me between customer service and the website there is a mistake...... now ... .lets fix this ... .lost a lot of trading time and money possibly ... how fair is that because of the companys neglagence ... ..and ifnoring the issue.
Consumer complaint received 2023-06-15
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. (LA)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account. 

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 re
port 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 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (ME)

XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each account.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

I booked a 4 night stay at XXXX XXXX XXXX XXXXl in XXXX XXXX XXXX XXXX through XXXX. ( XXXX ) .and prepaid the reservation with a XXXX XXXX  card issued by AFFIRM in the amount of {$320.00}. XXXX XXXXXXXX sent me a copy of the charges and receipt. Upon checkin, the hotel said they only charged the first night and I still owed the other 3 nights. In order to checkin I had to have another virtual card issued for the alleged balance of XXXX. 
The hotel and XXXX assured me the double charge issue would be resolved. 
I have plead my case to the hotel in XXXX, filed a complaint with XXXX XXXX as well as a dispute with Affirm. 
Affirm is still demanding payment even though my account was clearly charged 2 twice. The hotel never returns my email or calls and XXXX says they are investigating but I have had no response from them in over a month
Consumer complaint received 2023-06-18
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. (TN)

I DID NOT AUTHORIZE 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
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I DID NOT AUTHORIZE 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I certainly requested my free annual credit reports from the three major credit bureaus, XXXX, Equifax and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX  Why are they tracking my movements for such a long time on my credit file?
Consumer complaint received 2023-06-18
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. (GA)

I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on my credit report.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

This account is still pending a response. I have responded to Synchrony Bank as requested by email or mail. Email was my choice being that I have sent many letters to the company, and it is has become very costly. I still have not received a response back as of the day since I responded back to them. The email was sent on XX/XX/XXXX at XXXX, XXXX. Normally I can receive an email but can't send one. Email provided was, XXXX. I have provided all necessary documents and pictures of information sent to company, was sent out in this email. Below was my response to email. Some of the information was provided in my last statement. For my privacy I wish to keep some of the information Private and use what I sent. If needed all documents will be uploaded in another complaint. Thanks!

Hi, I have sent multiple letters and copies of verification of the negotiable instruments sent in to set-off this account. Synchrony Bank has failed to give reason of why, it was not credited to the account, and havent made any adjustments. It was even stated to me that they didnt receive the negotiable instrument, but they received the letter that came with it. The negotiable instrument meets all requirements according to the negotiable instrument act XXXX. NEGOTIABLE INSTRUMENT ACT HJR XXXX of XXXX XXXX XXXX XXXXXXXX trade and endorsement of the bill of XXXX XXXX XXXX Enclosed are the copies of the negotiable instruments, and letters sent to the XXXX and XXXX of SYNCHRONY BANK on XXXX XXXX and Synchrony Home.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use XXXX XXXX XXXX and it stated that they received the report and made the decision based off of my credit FICO score. They stated that they obtained my score from Experian and the score that showed back to them was a XXXX FICO score. I checked my Experian account and my FICO credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (GA)

This complaint is proffered against XXXX, Experian, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and Experian report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. XXXX. All XXXX bureaus report a different date of last activity. XXXX reports XXXX as XXXX. Experian reports XXXX as XXXX. XXXX reports XXXX XXXX. All three can't be correct. XXXX. Experian and XXXX reports are missing Date account was closed. XXXX. Both Experian and XXXX report Date of last payment as XXXX. Contrary, XXXX reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. Experian and XXXX both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. Experian and XXXX both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both Experian and XXXX are missing last date verified. XXXX. Experian report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both Experian and XXXX payment history completely differ. Experian shows in XXXX of XXXX account was XXXX XXXX XXXX in XXXX 60 day late. Experian shows 30 day late in XXXX of XXXX and XXXX shows 90 days late in XXXX of XXXX. Experian shows 60 days late in XXXX of XXXX and XXXX shows 120 days late in XXXX. Experian shows 90 days late in XXXX XXXX shows 120 days late. All mismatched information.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC (CA)

XX/XX/2022 {$1600.00} SHELLPOINT MORTGAGE SERVICING " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Consumer complaint received 2015-06-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.
Consumer complaint received 2023-06-15
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. (CA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case