davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (MO)

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. 


XXXX. Account Name : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : : XXXX  XXXX Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXXXXXX Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXXXXXX XXXX Account XXXX : XXXX ssue : unauthorized XXXX. Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Issue : unauthorized XXXX Name : XXXXXXXX XXXX  Account XXXX : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX : unauthorized XXXX. Account XXXX : XXXX Account XXXX XXXX : unauthorized XXXX. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank holds my Care Credit account, which I use to pay for my pet 's emergency vet services. I opened the account in XXXX of XXXX and was granted a {$4000.00} credit line. I made payments each month on time and paid more than the minimum amount due. I used the card when my pets needed vet care over time. In XXXXXXXX XXXX XXXXXXXX, I had credit available of {$320.00}, in XXXXXXXX XXXX XXXXXXXX, they lowered my line of credit by {$260.00}, leaving me with only {$110.00} worth of credit available. Making me look like I was using almost all of my credit line, impacting my credit score negatively. I made an inquiry and was told that they periodically review my credit score and make decisions based upon this. I continued to make on time payments, in more than the minimum payment amount due. In XXXX of XXXX, I noted that although I made progress in lowering my total balance due, they lowered my line of credit once again, by an additional {$380.00}, leaving me with only {$100.00} worth of credit available. Again making me look like I am using almost all of my credit line, impacting my credit score negatively. I asked them to explain why they were doing this when I paid on time each month and more than the minimum due and again, they said they reviewed my credit score. They were lowering my credit score, reviewing it and then lowering my line of credit, in turn lowering my credit score. They did the same thing with my XXXX account. I opened it and they granted me a credit line of {$1800.00}, I never used more than {$300.00} of the credit line, always paid on time and paid more than the minimum due. They lowered my credit line from {$1800.00} down to {$200.00} while I had {$180.00} in charges to pay off still. This negatively impacted my credit score. When I asked them about it, they said they periodically review the credit and make decisions based upon that. When I paid off most of the {$180.00} on the XXXX account, they lowered the credit line again to {$100.00}, when I had about {$75.00} charged on the account, again impacting my credit score. When I asked them why they lowered it again, they said they reviewed my credit score and based it upon that. Again, adverse behavior on their part impacting my credit score negatively over and over again for no good reason. This adverse behavior should be outlawed. It is completely unfair. I have paid off and closed the XXXX  account and am working to pay down the Care Credit account. Is there anything that can be done about this adverse behavior, unfair to credit consumers? Thank you.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXX
Consumer complaint received 2024-09-20
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. 
Account name : XXXX XXXX acct. # XXXX. 
XXXX XXXX : acct. XXXX XXXX 
XXXX XXXX : acct. # XXXX. 
XXXX XXXX : acct. # XXXX. 
XXXX XXXX adjusters : acct. # XXXX, has violated my rights. 


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 2024-08-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

My account was put in review to be closed after a few months. They gave me no set date on when it would be finalized, they also gave me no reason for why it was closed. I asked to have the remaining balance sent to an XXXX account already linked. They refused because they said my number wasnt registered in my name even though they verified me in XXXX different ways INCLUDING SSN. They have been very difficult to work with and I have no idea when Ill be getting my money. After the situation occurred I did some research and learned that this is very common with this company.
Consumer complaint received 2020-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I ( XXXX XXXX XXXX ) have not missed a mortgage payment within the past seven years. I am not having difficulities paying my monthly mortgage obligation. However, the problem I am having is with Bank of America blocking my accessibility to open and view my mortgage account as of XX/XX/XXXX. I had enrolled in a electronic Pay Plan 24 with Bank of America on XX/XX/XXXX. I have not changed my checking account. I have not requested for this form of payment to stop. Bank of America has not given written contact stating that they were not processing my mortgage payment via Pay Plan 24 or that they deactived that option. On XX/XX/XXXX, I checked my account and noticed my payment was not taken out of my account. Once again, I was not given any notification regarding any changes or an explanation as to why I do not and can not access my mortgage account. 
Bank Of America has removed my ex-husband XXXX XXXX from the loan without my prior knowledge. The paperwork list and or refer to him as a " Seller '' this is false. XXXX XXXX was court ordered to deed his interest of the home to me in XX/XX/XXXX. This is knowledge to Bank of America so I am unclear as to why they have dediced to list him as a " Seller '' and has removed his name from the loan. I have been paying the mortgage since being approved for the home modification. XXXX XXXX was discharged through Chapter XXXX bankruptcy in XXXX.Bank of America is also aware and knowledgable of this and has all the supporting documentation. I was told at the time of the modification that his name could not be removed from the home loan. Now, XXXX Bank of America is removing his name. Is this proper protocol? I need Bank of America to stop blocking me access to view and open my mortgage account. I also, need for Bank of America to accept my mortgage payment that was due on XX/XX/XXXX. Since Bank of America deactivated my Pay Plan 24, I called in Friday, XX/XX/XXXX and my payment was processed over the phone. The representative reactivated my Pay Plan 24, I do not wish this to be deactivated.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

XXXX XXXX approx XXXX XXXX received a call from a representative of my bank XXXX XXXX Told that my XXXX account was compromised. Told that all my accounts were flagged. Told that the bank was under investigation and that I could not contact the bank directly because they were being watched on the camera and that my SS # was being sold on the black market. I asked him for verification and he said to check the phone number on the back of my bank card and that it matched. As he sent me emails everything was the same. He said the only way to correct the XXXX account was through PayPal and Venmo. As charges appeared I was told that I would have to accept them in order for him to have the authority to reverse. He continued to tell me that I was on a recorded line. Nothing seemed suspicious at this point. He told me to go to the bank and that I couldnt talk to anyone because the police were coming that day to bust them for internal fraud and that my account was flagged. As I was told to close out my account and he was going to open a safe account t for me. This is after all the charges on both PayPal and Venmo were charged. He claimed I had to accept them and then he had the authority from XXXX XXXX  and PayPal to reverse them. Because I had checked the phone numbers and email at this point I was cooperative. Once we went to deposit cash into the new safe account I became suspicious. Finally I said were done here I hung up. He tried to call back several times. We went immediately to a XXXXXXXX XXXX and froze accounts. I was able to cancel all but one charge and after telling all this to PayPal and after they views all the other charges to the same person and that I had cancelled they claim that this charge was not out of the ordinary the remaining shortage on PayPal is XXXX. I was able to get the charges taken off Venmo but PayPal is not cooperating. This scammer was able to get XXXX charged on my Venmo. I tried twice to appeal my case with PayPal but to no avail. I am a senior citizen and can not afford this charge. Please help.
Consumer complaint received 2023-08-06
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. (MA)

I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau concerning Equifax 's failure to address and rectify inaccuracies on my credit report. On XX/XX/XXXX, I initiated communication with Equifax to address the discrepancies outlined below. Regrettably, I have yet to receive any form of response or action from Equifax. The following provides a comprehensive account of the erroneous information and the corrective steps required : Account Details : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I hereby assert that the account linked to the account number XXXX, established on XX/XX/XXXX, under the name XXXX, is not associated with me. Thus, I firmly request that Equifax expeditiously eliminates this inaccurate account entry from my credit report.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (NV)

I requested from consumer portfolio services to prove ownership by me of the debt they claim that I owe I am unaware of any debt to them, and also unaware of the debt claimed by them. I have asked also for them to stop communicating with me and contacting me and anyone associated with myself to no avail, they continue to send emails and text messages and at times phone calls even though I cited 15 USC code 1692 CC the attempts to have them, cease and desist has not been ohnered at this point and time. I have sent out a certified letter XX/XX/year> and I am still waiting to hear back.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to request that you stop all communication with me regarding the alleged debt. I am not a third party nor a credit company. 

Additionally, it is important to note that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, it is unlawful for third-party entities to report or collect on debts without proper authorization and compliance with the law. The FCRA requires that any reporting of credit information must be done in accordance with the consent and accuracy provisions of the Act. Therefore, the purchase or reporting of debt by your company may be in violation of these provisions if proper procedures and authorizations were not followed.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
AMERICAN EXPRESS XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong I am writing to formally dispute the inaccurate reporting of the account ( XXXX ) listed under my name. Despite my previous requests, Failure to resolve this issue promptly may leave me no choice but to pursue legal action to seek damages for any harm caused by this erroneous reporting..If not resolved, I will sue for damages.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (AL)

I'm sending this as evidence that I have asked time after time that Wells Fargo.

1. Look at an address the issues that their employees caused.

2. Create a process that this will not happen again even if the insurance is increased.

3. Do not have the person who was abusive on the phone to contact the person again if another complaint is created. 
This would include XXXX, XXXX, and XXXX. 
4. While it seems as if it has been Wells Fargo employees intention by using every opportunity. To tell us what we have done wrong. You should have done your due diligence to ensure that the information. You provided to us in the packet you sent. Was ours and not another customers. This proves exactly what I have been saying. We all make mistakes, learn from them, do better, apologize with sincerity and move on. I do hope that there are not other customers. Who have been sent my personal information. 
I will try and return the information to the other customer. So that they can take whatever action they deem necessary.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and Experian have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress
Consumer complaint received 2020-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I created a free account with XXXX and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (ND)

In XXXX of XXXX we were evicted. We owed a few months of rent, roughly {$2700.00} which was three months rent plus late fees. This was lot rent in a mobile home park, we owned the mobile home. By the terms of our lease, we were not able to move our mobile home out of the lot until all monies owed were paid to the property management company ( XXXX ). We wound up cashing out a XXXX to pay all back rent and were allowed to move our mobile home. Then in XXXX of XXXX, a collection in the amount of {$8300.00} was reported on my credit report. We received no notices or information, I called the number given for Columbia Debt Recovery on the credit report, which was not answered and did not have an option for voicemail. After searching the internet, I found a number for the collection company. They provided me with several pieces of inaccurate information regarding the debt, including providing me with two addresses where we were supposed to have lived, but had never lived. I asked that they mail me information, but have not ever received any physical mail from them. They did send me an email, but it just contained a copy of our original lease agreement and no information related to how or why we owed this money.