davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (NY)

I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: FISERV INC. (NY)

1 ) Charging a higher CC rate % than promised in writing. 

2 ) Charging me for merchant company errors transaction fees. 

3 ) Charging me for service I didn't use.

4 ) Telling me providing customer service, when not providing.

5 ) Asking personal info on ACH like clients SS #, address.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-08-14
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. (PA)

In accordance with the Fair Credit Reporting act. The list below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, # XXXX XXXX  / XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX/dept of ED # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15U.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.C1681c. ( 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 15U.S.C1681s-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 2023-08-14
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 (DE)

I have opened a Business PayPal account with my company XXXX XXXX under US law after i do few sales PayPal closed my account and held almost {$2000.00} USD Without contact our XXXX our anything, they just closing account and say After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MS)

I have a late payment on my credit report that is inaccurate I sent letters out to the credit bureaus concerning this inaccurate information. They refuse to update the late payment. The only late payment is showing on XXXX the other XXXX  and XXXX does not report the payment late. 

Self lender institution reported on { XX/XX/XXXXXXXX XXXX XXXX } your company furnished a transaction as Late to XXXX. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (OH)

I am a XXXX XXXXXXXX who utilizes Synchrony Financial to offer deferred interest financing to my customers since XXXX. Once jobs are completed, a customer will sign off on the acceptance of the work and I will submit a transaction to Synchrony in which they will pay me the contract value less a small fee and then work directly with the customer to get paid on a monthly basis. 

At the beginning of XXXX, I changed my business from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown to me, this change also resulted in a new Taxpayer Identification Number being issued by the IRS. Because my TIN number that Synchrony had on file was no longer valid, they started withholding 26 % of the customers ' payments owed to me in which I can get this money back when I file my XXXX taxes in XXXX ( a year later ). It was my error in not realizing my TIN number changed and I submitted an updated XXXX with correct TIN number to Synchrony on XX/XX/XXXX to XXXX. I followed up with a second e-mail on XXXX and also spoke to multiple departments over the phone and no-one can confirm my W-9 was received despite saying it should be updated within their system in 3-5 business days after submission. I followed up again via e-mail on XX/XX/XXXX and again this morning ( XX/XX/XXXX ) via phone. When calling their Merchant Services department, I get bounced around like a ping pong ball and do not get any answers or resolution. 

My problem is that I have a completed job in which the customer has signed off on but I can not submit to Synchrony for reimbursement until they process my updated W-9 and remove the IRS Business Withholding . I am just not getting any answers from Synchrony at this point. As a small business owner, my profit margins are only around 25 % to begin with, so withholding 26 % on my gross revenue jobs ran thru Synchrony is actually making me breakeven or lose money which is not a sustainable business.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I was the victim of the XXXX scam, On XX/XX/2023, I was trying to sell my TV on the XXXX XXXX, someone contacted me and said interested in my TV, and he called me through XXXX XXXX asking to check my email to see whether I received my XXXX payment, the email showing it's from XXXX XXXX and saying that crediting XXXX dollars failed because he was sending from XXXX XXXX account to my personal account, he was " deducted '' XXXX dollars, and asked me to XXXX him XXXX dollars as refunding, I was cheated and XXXX  him XXXX dollars to his account XXXX XXXX XXXX, then I was got another email from XXXX pay saying that Final steps to follow : 1. Get your XXXX account Ready. 
2. Ask for the XXXX  details from the buyer. 
3. Send the total of {$200.00} USD from your account to the given account. 
4. You are required to send us clear proof ( screenshot ) that Payment has reflected to your buyer account. 
He then asked me to XXXX the {$200.00} to the same amount XXXX XXXX, which I did. 
then I received another email from XXXX pay saying : " The {$200.00} USD you sent earlier is still on pending review and didnt go through. You have to send the {$200.00} USD to your buyer XXXX  information so we can approve the transaction and deposit into your accounts immediately. We would refund the {$200.00} USD you sent earlier once you send the extra {$200.00} USD to your buyer XXXX information for us to approve this transaction. 
We will credit your account with the total of {$850.00} USD once you send the extra {$200.00} USD to your buyer XXXX information. " You can use any payment method to make the payment. 
Then he cheated me to pay this {$200.00}, I used XXXX transferred from my Chase account to XXXX XXXX XXXX CA XXXX XXXX dollars, and used robinhood and paid him XXXX dollars bitcoin. 
I was later cheated by him to XXXX another {$290.00} to his account XXXX XXXX. 
In total I lost XXXX dollars from my Chase checking account. I called police same night, she asked me to contact Chase bank, second morning I called Chase, they don't think they are responsible for this scam. I am now helpless.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (VA)

This debt was originally with XXXX XXXXXXXX XXXX Purchased by LVNV Funding who used a law firm to collect payment. I paid the debt in full and received confirmation from the law firm that it was settled. However, this is still being reported in collections by LVNV funding.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

My name is XXXX XXXX, XXXX. This is for my Citi checking account # XXXX. 

The XXXX  : I put XXXX into a Citi checking account and tried to transfer out 2 week later. Citi closed my account without telling me and told me can not tell me why, and that the only way I can get my monet back is to file recalls of he money from funding banks and Citi can not give me the money or send me a check. 

Whole story : I put in around XXXX in late XX/XX/XXXX. XXXX of it were an ACH transfer from my other bank account, the rest of XXXX is a wire transfer from my husband ( XXXX XXXX ). This money I put into Citi as relationship money to lower my mortgage rate. The mortgage and house was closed on XX/XX/XXXX. And I tried to transfer my money out on XX/XX/XXXX online and it failed. I called Citi to see what is up and they told me the transfer is going through regular verification and will go through once it is done. I checked my account on XX/XX/XXXX and I can not log in. I called Citi bank and they informed me they have closed my account and can not tell me why and will send me a check to my address on file. I told me I am moving today and need to change my address, but they said they can not do that because my account is closed. I called the. banker that helped me open this account -- XXXX XXXX ( XXXX ). He helped me contacted the fraud department who closed my account on XX/XX/XXXX, and we 3 were in a call together. The fraud department guy ( XXXX ) said it is because my funds are not verified so I can not get the money but refused to tell me how I can get the funds verified. XXXX later said I can go to a branch and get the money and XXXX pointed out that he is at the branch and there is no way I can get the money from a branch. In the end of that call, XXXX said I can not get the money from a check and it has to be the funding banks ( XXXX and my husband 's bank ) to recall the money, and he agreed to further check with the backend office and see if they can get my money verified. 

Immediately after, I called my bank XXXX to recall the XXXX, and they informed me this is not possible as it is a direct ACH transfer into the Citi account that happened 2 weeks ago and Citi has the money not them. 

On XX/XX/XXXX, XXXX from fraud department called me back and said the backend office can not verify my funds and said I had to go to the funding banks to recall the funds, and Citi will not send a check to me. I told him that I have contacted the funding banks and they said it is not possible. XXXX said he will ask the backend office again and see if there is another way.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 


4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.
Consumer complaint received 2023-08-14
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.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.
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. (TX)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed belo
w must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Dates : XX/XX/XXXX ( XXXX inquiries )
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (TX)

Rozlin Financial Group Inc ( RFGI ), XXXX XXXX XXXX XXXX, IL XXXX has placed a collection item on XXXX, XXXX and XXXX credit report in the amount of {$1800.00}. I do not owe this debt with RFGI and it is negatively impacting my credit score. I requested a signed documents showing that I've done business with them and they sent me documents from another company but not RFGI. I filed a complaint with XXXX XXXX XXXX as well and RFGI refused to remove this item from my credit report. This is a violation as a consumer and I request this item be removed from my personal credit report. Thank you