davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

STATE EMPLOYEES CREDIT UNION reporting that I have missed 3 payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2022, as I was filling out a PayPal Credit application, PayPal claims I opted into a security protection program that I have no recollection of enrolling. I feel the option must have either been pre-selected or otherwise not abundantly clear. My husband is helping me with this as I speak limited English. But I absolutely did not intentionally enroll in this program. I only recently became aware ( yesterday ) that I was being charged for it, and when I realize what was happening, I immediately canceled online. I contacted PayPal Credit, who referred me to Synchrony Bank, which apparently administers the program. I explained what had happened, and asked for a refund of the previous months ' charges, and they refused saying the cancelation came more than 90 days after enrollment. I tried to explain that I have no recollection of enrolling, but they say I did. Had I known they were charging me within the window, I would have canceled. Even though I didn't, since it's mid XXXX, and they say I enrolled in XXXX, I can't be that far out of the XXXX window. I feel they are taking advantage of me, and are not being reasonable given the circumstances. I am in enough debt already, and this represents a sizable amount of money. Can you please help me?
Consumer complaint received 2020-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XX/XX/XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (MD)

On XXXX, I had received an alert through my credit monitoring that there was a new collection account reported. I immediately checked on this alert to find that a collection with an open date of XX/XX/2021 reported to all three credit bureaus for the first time. This came as a shock to me for several reasons. I've been in the process of purchasing a newly built home and have opened each and every piece of mail I've received since going under contract at the beginning of the year. I also am signed up with informed delivery through the XXXX which provides me with a daily scanned image of what's being delivered in my mailbox each day. I immediately knew this was going to be a financial and emotional challenge since my loan officer needed to update my final credit report to close on my home. The new collection has now disqualified me for the program I qualified for in which I could afford. This is turn has jeopardized my XXXX deposit on hand with the new home builder and placed me in a position where my child and I dont have a place to move to since my current rental has already been rented out. I had contacted XXXX directly to inquire on the debt. The only correct piece of information that they had for my account was my name. Any correspondence was sent to the address where service was held many years ago. The information provided didnt bode well with me based on dates of service and date of last bill and last payment made. I inquired on paying them in full in exchange for them instructing their hired collection agency to retract the debt. She informed me that they cant do that ; however, if I call collection company, they can help. I then called the collection agency and they too had no correct contact info. They didnt have a correct number to call me at and they mailed one debt notification to an incorrect address ( which allegedly wasnt returned ). I stated that I was willing to pay them in full in exchange for a deletion and was told theyd only report it as paid in full. This is completely unfair as I never was given any opportunity to validate the debt or rectify the situation. I had to learn about it based on an alert stating I had a new collection. I cant face telling my son that his XXXX present of having his own home, a determination Ive worked so hard on getting him as a single mother, was taken away from us, and that he will need to change schools since there isnt anything affordable to rent where hes been established.
Consumer complaint received 2023-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MN)

First they said they can fix this with a phone call and a couple documents. When I called to send over the documents they changed their minds and told me I need different types of documents and that they couldnt do anything to change the fraudulent collections account. 

They only replied on here with helpful information. But when I contacted them they didnt seem to care or help. They are still reporting fraudulent collections AFTER I sent the required info. I proved my identity and submitted substantial evidence proving my claim and my identity and nothing has changed. The employee involved on the phone was also rude and unprofessional. She didnt know what the CFPB was and I had to explain to her. She still couldnt believe me. Her name is XXXX she needs to be held accountable as well!
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (SC)

I used the Moneylion XXXX  money banking app. I deposited my check ( XXXX ) from my work place on XX/XX/XXXX. That same day my card information somehow got used in a XXXX XXXX ( XXXX ) in XXXX NY. I did not authorize these transactions as I live in South Carolina and was at work ( had my bank card with me. ). I filed a dispute, it got rejected. they claimed it showed no error and would not tell me anymore about it. I filed an appeal, it also got rejected saying that I authorized them. I sent them my work time sheet proving I was at work, a bill to my residence proving where I live, a receipt of something I bought that same morning in South Carolina. they still rejected it and refuse to reimburse me or even investigate it further.
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (GA)

Account Number : XXXX Total Amount Lost : {$2100.00} Date of Discovery : XX/XX/year> Summary of Incident : Unauthorized transactions were detected on my Brinks account, leading to a total loss of {$2100.00} Ive already reached out to the institution, as well as disputed the incident with the IRS, FTC, the credit bureaus. Im also working with the identity theft specialist for resolution as well as Brinks customer service team.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-01-30
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. (WI)

In accordance with the Fair Credit Reporting act XXXX 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 2023-07-21
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-06
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)

accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

I had applied for a Discover Card and actually received the credit card in the mail. When I called to activate the card, the representative said it was still under verification. The rep. suggested there was an address issue pertaining to the spelling of my street name. I thought my conversation at that time resolved the issue. I never heard from Discover until today, as I received an email from Discover stating the account had been closed. I called today and spoke to a rep and then a supervisor and they indicated the account was closed and reported " closed by credit grantor. '' The account was never opened as I was unable to use the card. I don't feel Discover should be able to report this account as " closed '' when I was never allowed to open it even though I have the card in my possession. I feel the manner in which this card will be reported to the Credit Bureaus will reflect as derogatory on my file.
Consumer complaint received 2023-07-21
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. (FL)

XXXX XXXX  stated that I have a debt of {$1200.00} and it was first delinquent on XX/XX/XXXX. This is incorrect as I have never had a relationship or business with them nor have I ever heard of them in any form or way. I just saw it in my credit report in XXXX for the first time when I receive my credit. I was not in the US and had no credit, this is the first I ever got any credit or even a report so how could that have been me. My credit should be clear and clean as this is the first Im generating anything. I did file a dispute with Equifax but they are saying today XX/XX/XXXX the report is accurate and verified. How could it be when this is fraud and someone is using my information. 
I am requesting that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay. This is completely false and is fraud as this is not me. This is a violation of the FCRA & FDCPA therefore it must be deleted from my credit report.

In addition there are two hard inquiries that I did not authorize and they need to be removed. It was not me, my information is being used.
Consumer complaint received 2023-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-03
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. (PA)

XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft
Consumer complaint received 2023-01-02
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

We put our house up for sale, had three weeks to go before closing.. while at the same time we were waiting for our sale to be completed our Mortgage company, Wells Fargo was foreclosing on our house. They called my wife 's phone on XX/XX/2019 ( XXXX ) XXXX ( approximately noonish ) where she handed the phone to me, ( XXXX XXXX XXXX ) and I gave them my lawyers name, number so they could communicate regarding the " sale ''. Attorney XXXX XXXX, XXXX of XXXX XXXX, NY ... upstairs from our Realtor XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, also of XXXX XXXX, NY. Our " Sale '' was never intended to go through. Also Wells Fargo lied about eliminating our escrow account, stating we were unable to remove the escrow because it was required by FHA, which is untrue as it was OUR decision to include it in our mortgage payment ( at that time we were able and willing to resolve the past due amount ) There was also a lien put on our house by the Master plumber that inspected our basement, on the Town of XXXX 's behalf ... It is not customary for an official working in his capacity of a government employee to do anything other than put a balance onto the tax bill ... not take a private lien out while doing his job representing a government entity. This enabled Wells Fargo to put off working with us ... to this day the only we can access our account with Wells Fargo is online, which they refuse to reset and allow access to. We've tried online, called the number for online assistance but to this day over two years later we can not access our online account with them. They continued to tell us that we can fill out all the paperwork online ... but it does us little good. All we've asked is that they put our current phone number into the system OR put back his email on the account like it had been so I can reset the password. 

I have audio recording of our calls to wells fargo, but the file is too big to upload ... 28 minutes of assorted calls and lies ...
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANNER CORPORATION (WA)

On XX/XX/XXXX XXXX XXXX XXXX processed a refund in the amount of {$670.00}. I was told 10 business days MAXIMUM, they even gave me a transaction/pay ID number for the bank to look it up. Banner bank says they do not have it or have never received it. I have made multiple phone calls to both companies and just keep getting told to call the other. My money can not just vanish.