davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (IL)

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 the 15 USC 1681. 

Account name : XXXX XXXX, Account ending in XXXX, Account Name : XXXX XXXX XXXX, Account ending in 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 an 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 crime 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 2024-10-29
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: EQUIFAX, INC. (MD)

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

On XX/XX/XXXX I received a mortgage statement from my mortgage company, New American Funding, showing that my mortgage is in default. Additionally, the letter threatened action against me in the form of foreclosure if payment is not made. However, I entered into, and was approved for, a forebearance under the C.A.R.E.S and Consolidated Appropriations Acts. This was approved by New American Funding on XX/XX/XXXX. This action is illegal and violates the terms of the forebearance agreement. I am requesting intervention and a reversal of this action.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

I am paying this debt to XXXX XXXX XXXX. This debt is 7 years old but is about paid off. Over the past two years I have gotten harrasing phone calls from other agencies, with threats of harm jail etc. The robo calls are getting on my last nerve, to the point I have had to change my phone numbers. How this all started was in XXXX XXXX XXXX had purchased the Pay pal smart connect debt, in XXXX I believe it was I get a call from XXXX  XXXX XXXX XXXX   who has gone out of business. 

I never got a dunn letter but paid the bill every month from {$540.00} down to {$63.00}. When XXXX went belly up XXXX told me to pay XXXX XXXX only, which I have and after what I sent them today am down to {$53.00} When you type in the phone number in XXXX that called me recently that wont stop it shows scam plain as day, a guy there said that back in XXXX I was taken advantage of and that I should not be paying this bill at all, so now I am confused, as of now XXXX and XXXX do own the account, and I have not missed any payments which I can prove. Another company that called and threatned me was XXXX  XXXX XXXX XXXX XXXX, when I emailed them they told me they would continue to persue even after I sent proof I was paying another agency. Anyway I am at my whitts end, and I really need your help the attorney general in Iowa is trying to help me to the best of his abilities, but I need your help also, please make these awful people go away. 

Am I doing the right thing by paying XXXX for XXXX since XXXX purchased the debt or have I been had? I do not know what to do but continue to pay Atlantic but I want the others to leave me alone. I think XXXX XXXX  sold my debt to other agencies but can not prove it. Please help me. The number that has been calling me lately with robo is XXXX XXXX XXXX.
Consumer complaint received 2022-01-19
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WI)

I am receiving letters from XXXX XXXX XXXX, XXXX saying that I owe {$1200.00} from a transaction with Pay Pal on XX/XX/2019. I do not have a Pay Pal account and believe that this is fraud.I called XXXX XXXX to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.
Consumer complaint received 2024-10-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: EQUIFAX, INC. (NC)

I want the Equifax company to send me a dispute with my credit company on the dark web showing my accounts were hacked from error reference in referral due yo the irs 140e9 affidavit identity theft issue. My account was barred from XXXX XXXX a XXXX XXXX report from my XXXX XXXX that my attorney barred the account. I was reinstated from the bank with XXXX XXXX XXXX. I lost my employee ID and company business was shut down. I think it was possible to update after the dispute from my error on the background report was paid. By filing a bankruptcy dispute with Equifax considering XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing my taxes were sent for collection and bargained the state with my collection notice number. Also send a state bar notice for for misconduct to my XXXX XXXX XXXX  and XXXX XXXX parts bank account broker with Equifax.
Consumer complaint received 2024-10-29
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I withdrew {$600.00} ( XXXX $ XXXX ) on XX/XX/2021 from my Citibank checking account at a Citibank ATM  located in a Citibank branch at XXXX XXXX XXXX XXXX in XXXX, California. I then deposited that same {$600.00} back into that same ATM machine in order to pay a {$560.00} balance that I had due on a Citibank credit card. I have done this before many times and never had a problem. 

When I attempted to deposit the {$600.00}, however, the ATM took the {$600.00}, but then immediately put up an error message saying that it had experience a technical problem and could process the credit card payment and also could not return my {$600.00}. It gave me a receipt showing an error and told me to call a XXXX number. 

I understand that ATMs sometimes malfunction. I had assumed that if I notified Citibank and had them open up the ATM machine, they would find my XXXX $ XXXX. I initiated a dispute with Citibank and asked them to investigate. I offered multiple times to provide them the receipts that the ATM had provided showing an error message. They declined saying it wasn't necessary. 

Citibank contacted me today stating that they had concluded their investigation and not found any evidence of the {$600.00} I put in. This is clearly incorrect. I can easily make {$600.00} at my job with less time and effort so I'm not running a scam here to defraud Citibank of {$600.00}. At the same time, I am obviously not about to let Citibank simply keep my {$600.00}. I have asked them to investigate again and, after demanding it, did get them to agree to let me fax them a copy of the ATM receipt showing an error message. However, at this point, I have no confidence at all in Citibank 's ability to investigate this matter. 

I can certainly sue Citibank, but I'm wondering if there is anything the CFPB can do to assist. Thanks. 

I am attaching the two receipts the ATM machine spit out at me when it malfunctioned. The first shows that it had encountered an error. The second receipt shows that I was indeed trying to pay a credit card balance of {$560.00}.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2019-08-16
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. (NY)

I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Consumer complaint received 2019-01-11
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)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation,  Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I  am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2024-01-25
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-10-01
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2024-11-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CT)

My private information was stolen and a Gap Good Rewards Mastercard was opened through Barclays Bank without my consent on XX/XX/XXXX and a fraudulent charge was made for {$800.00} on the same day. I was out of the country at the time and later received a billing statement from Barclays. I immediately called Barclays fraud and reported this explaining that i did not open the account and was also out of the country. They opened a fraud claim and i heard nothing until i received a letter dated XX/XX/XXXX that they determined the account valid after an " investigation. '' They are now requiring that I pay for the charges including interest. I had my social security number stolen back in XXXX and dealt with many fraud departments but have never experienced a denial on such an obvious account of fraud. I have included below the transaction and correspondence from the card in question along with another fraudulent attempt to open a XXXX XXXX XXXX card on XX/XX/XXXX.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

There are multiple problems with this company, but I could only choose one. This company accepts very limited means of payment and I had just moved and could not access all of my money to pay them in a way that they accepted. The most appalling thing about this company is that they do not close their accounts when asked to do so. They require you to ask two times and they show late payments on your credit report despite this. It is not clearly stated ( or even stated anywhere ) that you need to go through a two step process to close your account. It is predatory and the effect is to place late payments on people 's reports and harm their credit, not help people 's credit as they claim. It is harmful. This is a CD loan intended to help people, but they are lying it is predatory. Their practices are harming people 's credit through no fault of their own. They basically claim people are so stupid they need to protect you from closing your own account with them. They should be allowed to practice in this fashion. They are harming many people the way they conduct business.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MO)

I received a general statement to pay my current mortgage servicer, XXXX, on XX/XX/XXXX by the XX/XX/XXXX due date. When I logged in online to make the payment for XXXX on the XXXX ( I have a 15 day grace period ) I received a message that my account was not eligible for a one-time draft payment. I then attempted to call and make my payment over the phone. The automated system was able to locate my account number to give me my past payment information, but when attempting to make a new payment I received a message that my account number was not valid. I was required to call back on Monday XX/XX/XXXX in order to speak to a live representative within their servicing hours. At this point I was informed my loan was " transferred to another department ''. I was given a new number to call and was advised it was a new company servicing my loan, XXXX XXXX XXXX. They informed me I could make my payment to them. I inquired if they were going to send something in writing, as I had not received anything thus far. They stated a letter had been sent to my property address on XX/XX/XXXX. They stated I would not get any late fees for 60 days from the transfer date, which was XX/XX/2019. I declined to make a payment until I receive something in writing. It is now XX/XX/XXXX and I have still not received any information in writing regarding the transfer of my loan to a new service provider. I have checked my mail and email thoroughly, but have not received anything from either the new company or the previous one. Am I not supposed to receive written notification from both parties 15 days before the transfer occurs? I am now outside of the grace period, which has never happened. I am concerned and uncomfortable about the situation and angry at the complete lack of communication I have received in regard to my own financial interest. Why was I given a statement to make a payment to XXXX if they are no longer able to accept my payment? Why have I not received a statement from the new provider XXXX? There has been no communication from my mortgage provider Guaranteed Rate XXXX. XXXX XXXX, XXXX, IL XXXX ( where I am supposed to mail my payments ) There was no letter or statements. I am left in an unconfident state of my loan status due to the lack of communication from either party.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.