davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : REMOVE THE FLWING NAMES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

A person scammed me out of my money by pretending to be XXXX XXXX. I work for XXXX. The person called and made it appear to be legitimate and very believable. He induced me under false pretense, larceny by trick. The scammer had me to believe that a rider made a report on me and I had to go through a verification process and part of that process was through credit card transaction via cash app stating that it would not charge my account but only show pending and will be returned. I have the proof that I was induced by such fraud. He defrauded me. I also have a police report. This transaction was an authorized transaction because it was done under false pretense, fraud, larceny by trick. I made cash app support aware of this fraudulent activity and asked and demanded that they reverse or cancel this transaction under Regulations E. I made the report on the same day when I realized it was a scam. I also have proof.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (FL)

This company has changed the date of service on the account to extend the time that they can attempt to collect. This account was for a medical service that the original provider refused payment. I had attempted to pay several times and on my last attempt the provider said they were not going to accept my payment. I had it noted on my credit report that the provider refused payment, but now that medical debt is not listed anymore there is no way to place that notice. Even with the notation though, creditors would continue to contact me anyway - as no one reads these addendums and credit reporting services seem to ignore addendums and their " investigations '' rarely lead to any notes being added to your report. 
This particular bill was from XXXX and on the letter from AssetCare, the service date is listed as occurring in XXXX. They are the last in a string of companies that have attempted to collect payment after I notified the original ( XXXX XXXX XXXX ) ageny, that the provider refused my payment and that I would not then be giving it to a company that provided me no services. The fact that they fraudulently changed the date of service to extend this harassment is a step too far.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (FL)

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. 

The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. 

per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile.
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

In XX/XX/year>, I received a written communication from Professional Debt Mediation ( PDM ) regarding a payment of {$5800.00} owed to XXXX at XXXX XXXX, an apartment complex in XXXX XXXX, XXXX I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my XXXX Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDM describing the delinquent account at XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Consumer complaint received 2024-09-13
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Hello, I have been trying to repay my loans on Ed Financial for the past 3 months, but my payments keep getting reversed and now I have outstanding payments. I have filed a complaint with Ed Financial, but it will take 37 business days for them to review, I made this complaint today on XXXX with an agent online. I have set up autopay on their website and have verified my banking information multiple times with multiple agents, but nothing seems to work in order for me to pay myself via their website. Only 1 payment has gone through after I did the payment over the phone with an agent on XXXX I shouldn't be getting a payment reversal on any loans, since my baking info is correct and I have the funds in my bank account to be able to pay. The autopay feature is also seemingly not working on top of their XXXX XXXX and XXXX XXXX options on their website. 

This is my timeline with reversal times and amounts that I have tried paying : XX/XX/XXXX Payment - {$1200.00} ( Pending ) XX/XX/XXXX Payment Reversal {$470.00} XX/XX/XXXX Payment - {$470.00} XX/XX/XXXX Payment - {$130.00} XX/XX/XXXX Payment Reversal {$170.00} XX/XX/XXXX Payment - {$170.00} XX/XX/XXXX Payment Reversal {$1600.00} XX/XX/XXXX Payment - {$1600.00} XX/XX/XXXX Capitalized Interest {$0.00} Thank you, and i hope to resolve this matter as I would like to pay my student loans and not have a deficit. 
XXXX
Consumer complaint received 2024-06-21
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. (FL)

I looked at a copy of my credit report and noticed many inaccuracies on my account. those accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure the accuracy here is the item i am asking you to verify as accurate : Account name : XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX Adverse Action Letter Notice to Agent is Notice to Principle ; Notice to Principle is notice to Agent.

Pursuant to 15 USC 1602 ( c ) the term " credit card '' was used to initiate the credit cars transaction. The term credit card similarly as I have mentioned, means any card, playe, coupon book, or other credit device existing for the purposes of offering money, property, labor, or services of credit.

The term adverse action NEVER mentioned anything about the consumer being " denied '' credit as the consumer can not be denied the credit ( s ) in which the consumer is " granting '' ( in this case ) your corporation ; which is that right to extend said credit ( s ).

Pursuant to 15 USC 1602 the term credit means " The right granted by a creditor to a debtor to defer payments of debt, or to incur debt and defer those payments ''.

Credit is a right for which I am the one who regularly extends credit in the connection with loans pursuant to 15 USC 1602 ( g ). I am the original creditor and I am aware of my rights as such. I understand that reporting to the CRA is voluntary. This is a private transaction and in it by your corporation and by me the consumer and creditor and unfavorable situation has transpired.

Nowhere under the terms of adverse action defined by the Fair Credit Reporting Act ( FCRA ) does it mention that a " natural person '' can be denied credit versus a business. As an original creditor it is not LAWFUL to be denied my right to grant credit. Furthermore, my credit was used and I received NO BENEFIT from the use of my credit and an inquiry was submutted and posted to my consumer report which is a RECEIPT of transaction further supporting that a corporation ( XXXX ) has been compensated and I received no benefit at all. In fact, on the contrary damage was done from the denial of my rights both mentally, psychologically, and financially as a result. 
In conclusion, I have been discriminated against as there are NO federal laws which state that a credit score can deny me my right to extend credit. I a natural person in good faith exercised my right and was grossly discriminated against in that pursuant to 15 USC 1691 which states, " IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION : 1. On the basis of race 2. Religion 3. Natural Origin 4. Sex 5. Marital status 6. Age, provided the applicant has the ability to contract 7. All or part of the applicants income derives from any public assistance program 8. Because the applicant has in good faith exercised any right under this chapter
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MD)

Their Explanation is that the interest is calculated daily so monthly statements minimum payment amounts vary which I understand. Ive tried to make additional payment to be applied to the principal but in several instances they apply the entire amount to interest, Ill give some examples : XXXX {$200.00} all interest XX/XX/XXXX {$1000.00} all interest XXXX {$1000.00} all interest XX/XX/XXXX {$1000.00} {$820.00} interest {$170.00} principal Missing statement XXXX {$1000.00} {$720.00} interest {$270.00} principal XX/XX/XXXX {$640.00} all interest XX/XX/XXXX {$770.00} all interest Ive called 3 times and keep getting conflicting answers
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Complaint for : Capital One Bank I am the caretaker ( power of attorney ) for two family members who received checks for funds from the U.S. Treasury. I was told I could deposit the funds into my account by the family members and a bank representative as long as all parties sign the back of the check. We both signed the back of the check and I mobile deposited funds. I later received a notification that they were closing my account due to fraud risk. They did not provide me any other information. They will not release the funds left in my account to me. There is over XXXX XXXX dollars left in the account. They said the account review could take months but then they told me that the account would be getting closed. When I asked how I could receive the funds left in the account, I was told I couldnt. The XXXX checks that were deposited have already been verified by the Treasury.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC (SC)

I applied for an auto loan financing from XXXX XXXX, the terms proposed were violation of Truth in Lending Act ( TILA ) and Predatory Lending Practices. I was communicated to by the application source XXXX XXXX finance agent to provide approximately 50 % of the value of the car {$32000.00} of the loan to meet the conditions by Global Lending Service. My application for consumer credit was the collateral security for the auto loan. 
My credit score was impacted, I have nothing to show and which caused further strain on my family.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly, gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

15 U.S. Code 1662 ( b ) -That a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Global Lending Service willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer and is liable to that consumer.
Consumer complaint received 2024-06-17
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: WELLS FARGO & COMPANY (MI)

I have for 28 years been a customer of Wells Fargo Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted Wells Fargo, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Commencing on or about XX/XX/year> I fell victim to a multi-layered scam operation run by group of scammers ( XXXX  XXXX ), which involved me making deposits for a total amount of XXXX USD from my Cash app account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (LA)

I lost my job and subsequently lost my wife and pretty much gave up on life, my home is now in foreclosure- I listed the property and they got an offer immediately and it was sent over to Selene Finance XXXX XXXX XXXX. The agents then sent over the paperwork from me on XXXX XXXX that Selene requested and now they are saying they didn't have enough time to complete a short sale due to the 37 day rule but the offer was sent in on the 37 day out from the sale. 
I want the sale pushed back so we can get this taken care of.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MA)

I noticed a charge of {$120.00} on my credit card account that I did not authorize. This came from the XXXX XXXX portal on my XXXX credit card. I reached out to customer service on XX/XX/XXXX and received a response on XX/XX/XXXX. They stated that they had no insight into this transaction and could not help me and directed me to XXXX. 

I contacted XXXX, which could find no record of the booking associated with my account. XXXX directed me back to XXXX. 

Currently I am still being held responsible for the fraudulent charge and XXXX is refusing to take any actions to correct it.
Consumer complaint received 2024-09-13
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. (OH)

In 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc I'd packet, disputes the charges and accounts opened due to fraud. On XX/XX/2024 I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/2024 Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires and Equifax online shows I can dispute due to fraud just to have Equifax immediately deny this and not look into the claims at all and just state they are valid?
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (TX)

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's XXXX I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

ONEMAIN Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX