davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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. (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 2020-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

XXXX XXXX {$220.00} ( Unauthorized transaction ) This person watched me put in my pin and stole my money. 
I contacted company and followed procedures.It shouldn't take that long if a customer constantly says transaction was unauthorized XXXX XXXX $ XXXX Merchandise was not received. 
I requested a right to refund.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-19
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. (CA)

submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Without notice, and a perfect payment record, Synchrony bank closed all the accounts that were in good standing. Including Paypal Credit, XXXX  Mastercard, Amazon Prime, HSN, Old Navy. I have never missed a payment, worked hard to make more than the minimum payments, and kept the balances low. My bank can provide proff of on time and ample payments. I have increased my use of the cards in the past 6 weeks, due to needing things for a new home, but never exceeded my limit, and again, I made on time, more than minumum payments. I tried to question Synchrony, and they had no answer. 

Its a shame that hard working credit worthy people who work hard to pay their bills, get treated this way.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

ATTENTION TO I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX  XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is my third complaint on the same matter - BOA keeps beating around the bush. In their most recent response they state that CFPB had given them till XX/XX/XXXX before enforcement of the fee disclosures - If that the case then why was my transaction in XX/XX/XXXX not processed when there was no disclosure. My previous transaction, as stated in my earlier complaints were successfully processed. It's strange that CFPB had relaxed the enforcement due to COVID, yet BOA did not execute my international wire transaction in XX/XX/XXXX.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (GA)

Hello on XX/XX/2021 your company had no consent to run my Credit, I'm in the process of building my credit and have no desire to apply with for a credit card with your nor have I heard of the company before.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sapphire Marketing Group, Inc. (CA)

I Recently had a collection account show up on my credit report from XXXX XXXX XXXX. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called Sapphire that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I sent money to a fraudulent company that I thought were legit. I made 2 payments to a guy from the app called Cash app. They didn't come through with their promise, so I asked for a refund. I forgot how long they said the refund process is, but ita way overdue by now.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

In XX/XX/2020 I took out a loan for a XXXX XXXX XXXX XXXX XXXX in the amount of {$21000.00}. Between XXXX and XXXX, the installation was not " online '' due to installation delays and final utility inspection. During this time " no payment was due '' and yet the fine print of the contract said that interest would accrue on the principal. When I signed the contract, I was aware that interest would accrue but I was not aware that this gap in time might take three months. 

In XXXX the system turned on and I started making recurring payments at the amount set by XXXX. None of the documentation sent to me showed the amount of interest accrued or the fact that all of the monthly payments were only going towards interest and not principal. The monthly statements only said " you're payment of {$110.00} was received. This statement did not say that my account had an outstanding balance of {$130.00} worth of interest and that continued payments would only go toward interest. 

For any real information, one has to go onto the website. A very poorly visible ( almost hidden button ) saying " view transactions. '' This page allows one to see a bit more detail but nowhere on this page does it show the accrued balance. It only shows a principal value that is unchanging. This looks like a software bug, not an issue with an unpaid interest or underpayment of the loan. 

For the full story, one needs to find the very specific button of My Account > My Account Summary > " click here to view your payoff ''. Only there can one see their outstanding interest but it is labeled as " interest receivable '' : a confusing term at best ; misleading may be a better description.

The net result for me is that the first five payments ( totaling close to {$600.00} ) went to waste. Had the first statement showed an accrued interest of {$130.00}, I would have paid it off that first month. But it didn't. There was no communication to that effect. Had I been less curious about this issue, I could have paid interest-only for years, never paying down the balance.

If you take a loan out through Mosaic, be sure to watch your account carefully otherwise you might just be flushing money down the drain.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

LVNV FUNDING LLC  XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX  XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Consumer complaint received 2021-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I submitted two complains already but look like SLS is trying to avoid to provide correct answer on my simply questions : How SLS calculated and why my balance of the second mortgage is still same {$100000.00} even they said they wrote off {$6100.00} of principal? 
In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00}. When I asked them to provide how they calculated {$68000.00} interest & principal and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX  by their customers on last 6 months.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX  - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-03-01
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)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-01
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. (NY)

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I was sent a letter from Chase saying autopay for my credit card was removed. The letter said I owed {$53.00} and action was needed. Chase recommended to " Please pay your bill by the due date on your statement or re-enroll in XXXX. '' On XX/XX/XXXX I re-enrolled in autopay and updated my bank information following the recommendation of the letter. At this point, I felt the matter was resolved. 

On XX/XX/XXXX, I received a call from a Chase representative. The representative said my bill was overdue. I did not expect this call since I had taken appropriate action as recommended by the letter sent on XX/XX/XXXX to re-enroll in autopay. I paid my balance in full ( {$110.00} XXXX on XX/XX/XXXX and the representative was kind enough to waive any related fees. 

On XX/XX/XXXX, I checked my credit report. Chase had reported that I was late on my payment for 30 days. I contacted Chase customer support multiple times to try to get the late payment removed from the report. Chase representatives refused. 

It's pretty simple. Chase had sent a letter saying I owed {$53.00}. In that letter, they recommended steps I could take to pay the amount owed. I followed their recommendation but was still reported by Chase to the credit agencies. This is wrong.
Consumer complaint received 2021-03-01
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 — Their investigation did not fix an error on your report
Company: Source Receivables Management LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.