davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (VA)

I deposited a payroll check for {$1100.00} on XX/XX/XXXX. I deposited it before their deadline of XXXX XXXX, and then, later on, that evening they said my check was subjected to a five business day hold. I asked for more details on the hold and advised them that this is a hardship and unexpected, and they ignored my multiple messages. I reached out to their XXXX account and they sent me a generic message. I would like to know why they decided to arbitrarily hold my check for clearance from my job which is the 5th largest XXXX XXXX   XXXX   in the United States and has revenue in the billions. I understand if it was a personal check. They seemed like they did not care about my concerns. I couldn't buy food, pay bills ( EVEN MY IRS BILL ), or pay for gas for my 2 hour round trip commute. I decided to leave XXXX XXXX  for this bank and I regret this decision. As someone that suffers from a mental illness of XXXX  from a lack of response, I wouldn't even advise opening an account here to my worst enemy. 

There is no reason why Simple had to escalate my case for a simple question, nor it is professional for Simple to ignore my concerns on XXXX. I would like compensation for my suffering and experience. I also think that they are in violation of the Expedited Availability Funds Act of XXXX for not even allowing me to have at {$200.00} of my check. I earned that money with my hard labor, and not Simple, so holding it hostage is unacceptable. I also saw similar complaints from other Simple users on XXXX and XXXX with this issue.
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. (TX)

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding a dispute with Experian over a collection account listed on my credit report. The issue pertains to the accuracy of the address associated with this account. 

Upon reviewing my credit report, I noticed that a collection account is attributed to a company located at an address in XXXX, Texas, when in fact, the company is situated in XXXX XXXX, Texas. This inaccurate address detail could potentially affect the legitimacy and reporting accuracy of the collection account. 

I took proactive steps to dispute this inaccuracy directly with Experian. However, despite my efforts, Experian failed to verify this crucial address detail before marking the collection account as accurate.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer social security number : XXXX. Consumer DOB : XX/XX/1996. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C -1681c-2 ) that'd be you. The XXXX, Equifax, XXXX credit reporting agency block Information appearing on my consumer credit report that is the result of Identity theft and Fraud withing 5 days of you receiving this Complaint, This Fraudulent, inaccurate and False Information has Charge off 's from XXXX XXXX for {$100.00} for XXXX but shows as {$300.00} FOR XXXX. XXXX XXXX for {$140.00} for and Collections from XXXX for {$860.00}, XXXX is showing for {$100.00} on one account then XXXX on another account. XXXX XXXX for {$990.00}, XXXXXXXX XXXX for {$830.00} and XXXX XXXXXXXX XXXX these are accounts ranging from the last 3 years and I have never been informed of ay of it as I've been homeless the last 7 years in and out of shelters. I do not recognize these accounts being reported. I will attach the copy of the FTC Identity theft Criminal report Complaint NUMBER XXXX as proof from the US Federal trade commission that all mentioned are the result of Identity fraud. XXXX had XXXX Hard Inquiries needed to be removed and Equifax had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (NY)

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

In short I bought a car from us auto sales. They sold the contract to westlake who illegally repossessed my vehicle. I would like it removed by both parties for breech of contract by us auto.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I was in the process of trying to purchase a home and realized I had damages on my report according to the 15 U.S.C 1681 law, there should not be any damages on my credit report.ITS a defamation to my character.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (MD)

HRRG contacted me informing me that I had an outstanding debt for emergency room services from XXXX. I contacted the hospital they told me the charge was with and the hospital said I did not have an outstanding debt. I asked HRRG to contact my insurance company to see if they had not paid an invoice of some sort. HRRG informed me that the insurance company never responded. I asked HRRG to send me an invoice for the amount due. I received the invoice from HRRG which clearly states the balance was paid by the insurance company and that my personal amount due is {$0.00}. They have continued to call me from different numbers to harass me, asking for personal information, and not acknowledging that the debt has been paid.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Consumer complaint received 2024-01-19
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: U.S. BANCORP (CA)

Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank )
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I have been receiving emails from PayPal addressed to XXXX XXXX ( I do not know anyone by this name ). The emails are sent to XXXX, whereas my email account is actually XXXX. XXXX does not pay any attention to periods in email addresses, so regardless of how many are included and where, they will still deliver to the same account based only on the alpha numeric symbols in the address. 

I have tried forwarding these emails to XXXX which is the only option available through PayPal for reporting this. They have always replied that they will not close the account or remove XXXX unless I am able to email them from that precise address. The issue is that XXXX will only let you send emails from the address you registered with ( XXXX ) even though they will deliver regardless of periods. 

After repeated attempts with PayPal I see no other option than to escalate through a CFPB complaint in hopes that hearing from you folks will cause them to actually take action here. 

Note I have tried resetting the password for XXXX so I could log in and close the account myself, however they refuse to do a password reset unless I provide a government ID for XXXX XXXX ( again, I don't know this person or whether they even exist ).
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (OH)

I am writing to formally dispute unauthorized inquiries that are appearing on my credit report. Upon reviewing my credit report, I discovered multiple inquiries that I did not authorize or initiate. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

I want to emphasize that I did not apply for any credit or authorize any entity to access my credit information on the dates indicated above. These unauthorized inquiries are detrimental to my credit score and financial standing.

Furthermore, it is my understanding that these inquiries may constitute violations of the FCRA. Specifically, I believe the following provisions have been breached : XXXX. Lack of Permissible Purpose : Under the FCRA, entities are only allowed to access an individual 's credit report for permissible purposes, such as in response to a credit application or with the individual 's consent. Unauthorized inquiries made without a valid permissible purpose violate this provision. 

XXXX. Failure to Obtain Consent : Even if an inquiry is made for a permissible purpose, the FCRA requires that the individual 's consent be obtained prior to accessing their credit report. I have not provided consent for the inquiries in question, thus constituting a violation.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (IA)

I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by XXXX XXXXXXXX XXXX XXXX  in behalf of Absolute Resolutions Investments LLC. ( The current owner of the debt ). I contacted XXXX XXXX to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take XXXX weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-25
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. (LA)

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I am attempting to obtain a mortgage loan for me and my family. However, Equifax is not cooperating with removing the security freeze. I followed their procedures for identity verification, and they are still unwilling to remove the freeze or even speak to me regarding this issue. It is very frustrating and now I can not get a mortgage for my family because of Equifax.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

CFPB Claim # XXXX submitted on XX/XX/2028 and Experian was unable to investigate and provide full disclosure as required by FCRA.

Accounts with multiples errors, violations, and inaccuracies. 
XXXX XXXX XXXX XXXX Account is repeatedly reporting C/O every month on XXXX, XXXX, XXXX. Re-aging the account is illegal. Account only reporting on Experian. XXXX do not report this account. -DELETE XXXX XXXX XXXX Experian is reporting account as discharged through Bankruptcy XXXX, XXXX, or XXXX. Unclear what type of bankruptcy and inaccurate data because Public Records do not show ANY Bankruptcy accounts on my credit file of Experian, XXXX or XXXX. DELETE XXXX XXXX XXXX Experian is reporting inconsistent payment history across bureaus. Account is reported as no past due balance and late at the same time. Incongruent data. Delete XXXX XXXX XXXX XXXX Double Jeopardy. Account is reported XXXX  times as Charge OFF on my credit file. Missing information about when/if account has been sold. Not reflecting XXXX balance if status is Charge OFF. A canceled debt is gross income and income does not get reported to the consumer report. Form 1099C must be issued. 
XXXX XXXX XXXX XXXX  Experian is reporting account closed and payment history showed is pay on time on XXXX, XXXX Account is missing information as credit limit, past due, and monthly payment. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Jefferson Capitol - XXXX XXXX I was in XXXX XXXX at the time this account was opened without my knowledge or understanding that i could even apply for credit at that age. This is identity & credit fraud and i need this removed from XXXX, XXXX and XXXX
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NM)

Synchrony is scamming it's consumers by allowing an " autopay '' feature that is misleading in its description as it does not actually auto draft your account every payment period, but only for the NEXT payment meaning you are consistently having to pay late fees ( {$41.00} ) for missed payments under the impression you are setting up a permenant feature. The company will then notify you that payment was due ( which you will ignore because you set up auto pay ) seemingly to intentionally collect fees from unsuspecting consumers who expect the features to work as reasonably expected. Despite repeated attempts to figure it out with a person, the only option for resolution is to speak with a robot chat box that does not offer solutions.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.