davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
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. (NC)

Equifax is reporting incorrectly a collection from XXXX for {$3200.00} account number XXXX. ( Please see page attached from my credit report. ) I have also attached a copy of the Receipt from XXXX XXXX XXXX , XXXX., showing a payment of {$1200.00} was received on XX/XX/2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureau would delete this line item from my credit report and report a current balance of {$0.00}. XXXX and XXXX are reporting correctly, however Equifax is not. I have contacted the bureau to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I paid a mistaken amount {$3800.00} and tried to repay for {$3600.00} after my bank rejected the insufficient funds, and it's been 8 days, and the rejection is still not reflected online. Therefore, I can not make payment and it sabotages my ability to move forward and may have made an issue in the minimum payment.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: CARD Corporation (MN)

XXXX XXXX XXXX I'm filing a complaint against card.com ... when I filed a dispute by accident they closed my whole account ... .and rejected my social security deposit ... .that put me in a financial hardship situation because it takes social security about a month. To send back out the payment to me even after I made it clear to them I made a mistake in calling them and saying I thought I didn't order pizza from XXXX XXXX then I realized I did ... order pizza the next day and they cancelled my card and shut my account down ... bottom line I never lost my card ...
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

For the Tax year XXXX, Discover Bank Credit Card Department reported a large debt to the IRS via 1099-C, Cancellation of Debt ( see attached documents ) which I am totally not liable for because there were many unauthorized credit card transactions after my then Discover Credit Card information like card number, security code, expiration date and including my full name and address on file with this company was stolen and or compromised. 
I have made several attempts to try to get this bank to remove these items from my account and they did not. Moreover, this bank sent this debt to collection department and eventually to the credit bureaus and there those negative items severely damaged my credit profile and rating and it took me many years to try to re-establish my credit. 
I gave up re-disputing this issue directly with Discover Bank. This bank stated that this 1099-C was correctly issued but I disagree because I do not owe them. There were fraudulent transactions made on my account period. 
This bank can not collect this debt and as well as reporting it to the credit reporting agencies and I totally get that and thank God there are laws in this country to protect little guy like me against these giant and greedy companies. As you can see the IRS has charged me alot of money simply because this was not reported on XXXX Income Tax Return and I would not have known to report because I did not receive mail from Discover Bank since my account was closed in late XXXX to early XXXX if I remember correclty
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I have been charged a late fee in XX/XX/2019 by Wells Fargo because my payment was cleared before their billing cycle ended. As a result, they took the payment and applied it to the balance and did not count it towards my payment that was due on the XXXX of XXXX. Their representative stated this is clearly outlined on my statement when in fact there is nothing. According to her, my payment needs to be made after the close of the billing cycle in order for it to be applied to the current statement balance. 
In other words, if I make a payment on the first of the month, and before the XXXX of the month, Wells Fargo applies this as an additional principle payment and ignores the current amount due. They then charge me a late fee of {$38.00} and add {$1.00} of interest to the next payment. 
I received no notification that I had a late payment or an explanation as to why my payment was not applied to my account other than it was outside their billing cycles.
Consumer complaint received 2024-10-24
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)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2019-04-12
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. (TN)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

In XX/XX/2018, I bought a phone through XXXX  and paid {$3600.00} through PayPal. The phone was faulty, I followed XXXX procedure and returned the phone for refund. The seller started playing with time. I filled a case with Paypal which was closed without thorough investigations, no contact with me to verify my facts. I appealed their decision several times, Paypal kept saying this decision based on new available information, and closed the case. 
I actually reported the case again to Paypal as fraud, the seller opened communication with me after I opened the case with Paypal. The item was sent back upon request, and he collected the item. After Paypal closed the case, he stopped communication and did not process my refund. I attached the sellers conversations with me during the process, sent to Paypal in email and registered letter and XXXX confirmation that he seller the item back. 
As directed, I called Paypal customer services on XX/XX/18, and spoke to a representative. I was informed that a case will be opened regarding my concern, and that I do not need to do anything, few days after i received a message that the case is closed. The XXXX kept the phone and have not processed my refund. 
I expected Paypal to thoroughly investigate this matter and resolve it, but they did not. I am open to provide you necessary document as needed. 
Kindly use your good offices to resolve this case. 

Thank you.
Consumer complaint received 2019-01-09
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. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc. (NC)

XXXXXXXX XXXX claimed that they did not receive my health insurance information. However the hospital was XXXX XXXX XXXX in XXXX N.C. they preformed the procedure in question at their facility. XXXXXXXX XXXX  maintains staff at that location. The Hospital ( XXXX ) received my health insurance information but XXXX XXXX did not seek to receive the info from the actual facility it managed, even though they manage quite a few. Also I didn't receive written notice until it was already sent to collections. ( due to another legal issue I'm trying to seek arbitration on since whoever is involved is impersonating federal FBI agents, Lawyers, and various other business i seek out to contact, my phone and all internet connectivity is manipulated " hacked through the service provider ( s ) system via employee and company compliance with those organizations involved, may be related to this may not be ) but they had opportunity to extend the time period and even had opportunity to file it after receiving my health insurance information which I verified with XXXX XXXX XXXX XXXX. The collection agency doesn't even appear to have a license active for N.C. they are SCA Collections in XXXX N.C. they don't even have a mortgage license for their mortgage business side. My Identity may be compromised by this all happening as well. any and all hep would be greatly appreciated.
Consumer complaint received 2019-01-09
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. (TX)

IN REGARDS TO : XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION EQUIFAX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office.

3. File a complaint with the Better Business Bureau.
Consumer complaint received 2019-01-09
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: Credit Plus Inc (NY)

Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

In early XX/XX/2018 Aargon agency notified me of a debt with a doctor 's bill that I thought I had already paid. I told the woman on the phone as much. She told me if I had proof that I had paid it I could send it to the email address she had provided. I did exactly that on XX/XX/2018. I have the email saved. I heard nothing more about it and thought the matter was closed. 

In XX/XX/2018 my husband was contacted by Aargon agency and strangely told by the agent that " your wife owes us XXXX XXXX, she might want to pay it. '' So I sent an email to the company through their website asking for some confirmation of my debt. I had received absolutely nothing in the mail from them saying I owed them anything since before the original matter was supposed to be resolved on XX/XX/2018. 

Within a week of that email, my credit report was hit with a delinquency report of {$79.00}. Quite a mysterious number for me. It was not the original doctor bill I had proven that I paid and it was not the " XXXX XXXX '' mentioned to my husband bizarrely and unprofessionally. 

Now they call me and hang up on me when I answer. Today they called me, put me on hold and told me they couldn't give me any information and I should call back when it's convenient for me. They aren't authorized to talk to me.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

FOR THE LOVE OF XXXX CFPB - WILL YOU PLEASE AUDIT THIS RIDICULOUS " BANK ''!!! 

NOW - I am seeking your help with my XXXX 's card ALSO ( regretfully ) managed by Synchrony Bank. 

I made a payment online on XX/XX/XXXX, FOR MY FULL STATEMENT balance. That amount CLEARED my checking on XX/XX/XXXX. 

Today on XX/XX/XXXX the Synchrony site shows NO PAYMENT MADE, LATE FEE APPLIED!!! 

I have complained to you about this " bank '' regarding IMPROPER and UNFAIR payment processing by this " bank '' as they also manage credit for XXXX 's, XXXX, and XXXX, that I have accounts with.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : 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 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. 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.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, Equifax, XXXX, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. Equifax, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against Equifax for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX  and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours (CA)

Since XX/XX/2020 i've tried to re-connect the app to my bank. The app has worked fine before. I am approved by them and in good standing. They say it's a technical issue. My problem is they have me on their Payday Advanced schedule. I've paid my previous balance and now I am short till next payday unless I can use the app.
Consumer complaint received 2024-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you