davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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)

I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am unfortunately a victim of identity theft at Capital One Bank.
It seems as if some fraudulently opened credit cards were opened in my name.
I 'd like for them to be removed from Capital One 's system and also my credit reports
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group
Consumer complaint received 2023-06-08
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. (MI)

on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.
Consumer complaint received 2017-09-07
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: Navient Solutions, LLC. (AZ)

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XXXX was {$170.00}. I received an email on XXXX advising that my payment will increase to {$420.00} on XXXX/XXXX/XXXX if I do not reapply by XXXX I submitted a new application with new financial information ( pay stubs ) on XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XXXX but on XXXX I received an email stating my payment still had increased to {$420.00}. I called into Navient because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XXXX. But because of the forbearance my credit score dropped 48-58 points between XXXX and XXXX on XXXX XXXX. I called a Navient representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that Navient made.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions. 
15 USC Cose 1681a : Rules of construction XXXX-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report. 
15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (CA)

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Cavalry Portfolio Services contacting me, calling me and my family members and sending me letters regarding {$1200.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors.  My concern is if I settled all of my debts and continue to make payments with the credit cards ... why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have had this account for close to a year. It has been on auto pay during that time. I have attached an accounting of my payment history. I changed bank accounts and realized that I had not corrected the information at Citibank in time for them to take the money out of the new account. I manually paid online the payment PRIOR to it 's due date ( XXXX ) and that payment posted XXXX. It came to my attention when I received a notice that I had a check not honored and that I had incurred a fee of {$25.00}. I researched my payment again and called Citibank. Even though I had made a payment PRIOR to the due date online, manually, Citibank still proceeded to take ANOTHER payment from an account that was closed AFTER I had made a valid and accepted payment prior to that date. I was connected to a foreign service and after much confusion and language issues, it was finally told to me that I CAN NOT make a payment outside of the auto pay. If I want to do that I have to call them, have them cancel auto pay and then proceed to make my payment. This sounds absolutely ABSURD to me. I 've had many auto pay accounts with other banks and if a payment is made manually before the due date, that auto pay is cancelled for THAT payment. It is a simple computer programming issue. NOT SO WITH CITIBANK. They have figured out a way to trap us into making multiple payments and paying a returned check fee for a payment that was n't even required! Furthermore, they add the fee to the outstanding balance and incur interest on top of that too! THEY WILL NOT REVERSE the charge even for an outstanding customer. I have paid off the account as of today with Citibank. I do not want to do business with a company, that for one ... I can not talk with anyone in a branch locally ( I can request to talk to a branch but that branch might be in another state ), and also an XXXX XXXX that is so intertwined with having overseas people handle their customer service. Branches are being closed everywhere it seems, my closest branch about 30 miles away is now closed. I have a Sears Card that is issued by Citibank ... I 'm canceling that and any other account I run across that Citibank is an issuing bank.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (KY)

Harris & Harris Debt Collection Agency calls my home number nearly on a daily basis and has been for several months. My credit is in perfect standing. At first I assumed it was a mistake, but I continue to have robo messages left on my answering machine and asking me ( only using the word you, not my name specifically ) to  call them. First off, it 's difficult for me to take a business seriously who is trying to collect a debt using an automated call. Second, in light of my 1st statement, how do I know this is n't a deception by a criminal attempting to dupe me into giving out my hard earned money. Lastly, I 'm looked at as a tier 1 borrower and all my lenders are in good standing and if Harris & Harris is a legitimate business they need to quit harassing me.
Consumer complaint received 2023-06-08
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 (NC)

PayPal closed my account back in XX/XX/2022 and said the funds will be held for 180 days, and then they will send me an email to retrieve the money. 

However, it has been 180 days but I haven't heard back from PayPal yet. I have over {$2600.00} in my account.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (HI)

Equifax claims they will tell me if I 'm affected provided I register and provide my last 6 of social security and name. Then they go on to not tell me whether I was affected by their data breach and say I need to check back in a week and they will not send me a reminder and it 's up to me to remember to come back to find out the answer I gave them my confidential information to find out. They wo n't even say they 'll tell me whether I 'm affected on that date either now and are saying I just need to enroll in their XXXX XXXX XXXX  program then whether I 'm affected or not.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (KY)

I have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/2023, my car was in an accident on XX/XX/XXXX the car was deemed a total loss. XX/XX/2023, my insurance company submitted a ck for {$21000.00} then another ck for over XXXX to Bridgecrest. As of XX/XX/2023, my account shows a balance owed of {$26000.00} as Bridge crest reversed the transaction/money my insurance company paid to them. I also have GAP Insurance to cover the difference of my loan. According to GAP insurance it can take up to another 8 weeks for them to process the difference of what's owed on my loan. This is causing me not to be able to purchase another vehicle. GAP insurance advertises to purchase to have a peace of mind. I have not had any peace of mind. The loan holder Bridge crest also sends me letters threating to repo my car... A car I do not have, a car that has been totaled and my account reflects that. Bridge crest also is seeking me to continue to make monthly payments on a car that was deemed totaled almost 2 months ago. How can I save up a down payment to get a new car if I'm paying on a car I no longer own or can drive. I signed over the car to the insurance company. This process should only take 30-45 days ... As Bridge crest has been paid. The GAP insurance will pay off the difference, but Bridgerest is taking so long to correct my account, it makes the process even longer. I also want to despite to ensure nothing negative is put on my credit because this is not my fault.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2017-08-01
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. (GA)

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Consumer complaint received 2017-08-01
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. (GA)

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Consumer complaint received 2017-09-07
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. (DE)

I contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the American Express XXXX XXXX XXXX with a promotional offer of XXXX points after spending a minimum of {$5000.00} in the first three months. The application was approved on XX/XX/XXXX. I fulfilled the minimum spend within 2 months but was never given the promotional offer. 

I initiated an inquiry in XXXX or XXXX ( specific dates are unknown ) as to why I never received my points. According to AMEX I have previously opened a XXXX XXXX card before. This is not true. I 've previously held the XXXXXXXX XXXX card but it is not the same product/card. 

AMEX then said that a personal card was opened in XXXX but closed on the same day. This must have been a mistake as I 've only ever held a XXXX XXXX card for 1+ years. As a result I was auto denied my XXXX point bonus. A review would be opened and I was told to follow up in 30 days. 

On XXXX XXXX and XXXX XXXX, I followed up AMEX and was told I will still be denied because I had a XXXX  account. This should not be the case as I 've never owned a XXXX XXXX card. Even the first representative stated that a personal platinum was only opened and closed on the same day. I should not be denied my XXXX bonus because of such an error.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in failing to delete fraudulent accounts and incorrect personal information from my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Equifax has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Equifax has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Equifax claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and XXXX reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. XXXX failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Equifax representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.