davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc. (VA)

Last month I listed my beloved camera ( {$450.00}, most expensive thing I've ever sold ) on Mercari, sold to a buyer ( now that I look back, they had a XXXX deal history XXXX  account ). They claimed an empty package after receiving and asked to cancel the order. 

Mercari within 1 hour permitted cancelling the order and limited my account, even though I've previously sold XXXX deals on Mercari , all XXXX star ratings. 

I submitted my argument and shipping receipt ( clearly shows the package weighs XXXX lbs ) as proof, arguing that not only is the buyer the actual fraud, it is also unfair to just hear one party 's word and decide the case. 

Mercari replied with saying they are taking my case to the Payment Team ( which only works in week days ) for a second review. Not a single word in the following two business days. On the third day ( Saturday ), I got an email saying my account was closed. Later I argued again, Mercari replied by saying my account was limited and therefore " is ineligible for reinstatement ''. The sheer ridiculousness of this claim is mind blowing, it's like saying I killed you so you can't really blame me since you're already dead. 

So my camera is gone to a fraud, I didn't get any money, my account was colsed, Mercari did not investigate at all. The promised shipping insurance was never brought up. They didn't help provide the buyer 's address, which blocked my hope to take this to their local police department.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MD)

Apple Card is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with Apple Card is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and XXXX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On or about XX/XX/2023, I discoverered unauthorized transaction in my Paypal account. it was showing ACH transferes in 4 amounts. 
On XX/XX/2023 ACH transfere from my XXXX  checking account for {$140.00} and {$130.00}. 
On XXXX XXXX two transactions for {$160.00} and {$180.00}. 
These all total {$630.00}. ( see upload ) I also discovererd 3 unknown and unauthorized emails in my account under the page called " USERS '', I personally removed them while I was on the phone with the paypay agent. I took a screenshot of this page before removing them. ( see upload ) The agent I spoke to said he could see what I was seeing in the Pappal Balace box was the amount {$270.00}, the agent had me transfere that amount back to my bank while he was on the phone. He told me the other amount had not yet cleared ACH transfere but should soon and instruted me to watch for it then transfer that back to my XXXX  checking account too. 
on XXXX XXXX there was {$350.00} in the Paypal Balance box. I did as I was instructed and transfered that money back to my XXXX  checking acct. 
The total of the 2 transferes I made is {$630.00}. the exact same amount that was removed from my account without my consent or knowledge. 
I have nevered shared my account information with anyone, not even my husband, he has his own account. I went to my bank and they provided a list of ACH Transactions to me that verifies all of this. ( see upload ) .I also closed that account with my bank so anyone with nefarious intentions would not be able to do anymore damage. Paypal now tells me that I owe them {$630.00}. they show a NEGATIVE- {$630.00} in my Paypal Balance box. ( see upload ) ... over the course of time there has been numerous calls and messaging to paypal iniciated by me in trying to resolve this issue, I did have 2 agents on the phone that stated it was an issue with their system and they would send it to someone else to look at it.

So now we are at the point of Paypal saying I either Pay them {$630.00} or the will turn me over to a collections company.

This is totally wrong!!! I have a very good credit score and this problem could greatly damage that.

We may never know who did the initial transfere but we do know what has happened.

someone accesed my bank thru paypal and removed my money.

I discovered it before great harm was done and the money gone.

I moved the same money back to my bank, So it was my money out of my bank account and my money into my bank account.

I was foutunate to discover the attempt of theft from my account and stopped it. now it feels as if I am being punished ... it has caused an enormous amount off stress, making me feel sick. 
What I am asking is for paypal to realize their error and make the NEGATIVE- {$630.00} into a {$0.00} I do not use paypal as a bank ... .so this is always a {$0.00} I here by swear to the above. 
XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (CA)

in a previous cfpb complain and I prior telephonic recorded convos i was told my credit protection ends XXXX I called XXXX and they said it ended XXXX which is not accurate. A payment is due XXXX and they are trying not to pay that last payment their obligated to pay under my credit protection. companies like these need to be thoroughly investigated
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
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
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XX/XX/2023 To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I checked my Equifax credit report online, and noticed various INACCURATE late payments for XXXX accounts. Therefore, the following accounts must be deleted immediately : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX, SD XXXX ) First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Equifax is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have sustained defamation of my character, XXXX, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Equifax is in violation of the FCRA or 15 USC 1681. 


You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

Sincerely, /s/ XXXX XXXX
Consumer complaint received 2023-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

I have tried on several locations to create a payment plan that is affordable for my living situation and my income, and they refused to offer any payment arrangements. They have contacted distant relatives and people not even related to me to try and collect payment. They continue to call and harass relatives, and colleagues not only causing financial strain, but also causing emotional strain in my life.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

last month i recived a letter then Called MCM collection agency located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX there web address is www.midlandcredit.com there phone # is XXXX and told then that I im in the process of a XXXX  XXXX bankruptcy for the amount of {$24000.00} and all my dept / ubsecured credit then gave then all my attornys contact information but they still call and send me collection letters
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Pottery Barn | Capitol One credit card has a due date for payments but will charge a late fee after XXXX EST on that date. The company only acknowledges when the payment posts from processing several days later yet the online account will immediately reflect the payment. Your actual payment date is not acknowledged unless you specifically ask the representative. This practice is structured to incur late fees from customers.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

This clumsy deceit comes from the comenity bank, XXXX thought they could scam my name and give my wife the credit card? This flim-flam scam came from them, how did they get my correct address? Why did they use my wifes birthdate? My wife has a ongoing bill and/or account with them, I called some phony person there, he got evasive fast, refused to say how this clumsy idiocy magically happened, TO much of a coincidence, no scumbag thief would magically know my correct address and my wifes birthdate unless it was 1 of there XXXX employees. TO stupid to believe magical identity theft, especially since I have XXXX XXXXXXXX, I pay XXXX to monitor my credit and name ssn, XXXX warns me of any new applications, NO warning, that is why I suspect 1 of there XXXX employees????? Plus there lying because I have a fraud alert on all 3 credit bureaus? HOW did this phony application magically get thru all those barriers I put up????
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

XXXX is reporting that I have debt and collections with them when thats absolutely incorrect. I spoke to the collection agency and told them its incorrect and they should contact XXXX. I also spoke to XXXX and they stated it was a billing error and I also reach out to XXXX and its still on my credit report affecting my score and hurt me financially.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts in my file ASAP.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (UT)

My mortgage loan was transferred from XXXX XXXX XXXX Freedom Mortgage, as of XXXX. I have had problems such as not being able to set up an online account or make a payment on my due date. I have called repeatedly and been transferred around throughout the month of XXXX of XXXX. On or around XXXX, XXXX, XXXX when I did reach someone they said my information had not been uploaded. My payment is due on the XXXX of every month. 
On or around XX/XX/XXXX, I received a nasty warning letter from Freedom Mortgage stating I did not have Insurance coverage and stating that Freedom Mortgage would be paying my insurance and I would have to pay them for the insurance. My insurance agent faxed in proof of coverage the following business day, XX/XX/XXXX. On XX/XX/XXXX, I called in again to make a payment and was told again, I am unable to make a payment or set up online access due to the fact my loan information had not been uploaded. On XX/XX/XXXX, I received an email stating that Freedom Mortgage paid my insurance out of my Escrow account to XXXX XXXX whom provides my insurance. Freedom Mortgage took monies out of my Escrow account. My Escrow account is set up for my Taxes ONLY. Now Freedom Mortgage stated it's my responsibility to recoup said monies from XXXX XXXX, but that they will continue to take those monies from my Escrow. I have been bounced around without any resolution. The last XXXX for Freedom Mortgage said it's not their problem.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

This complaint with the consumer financial protection bureau is in regard of improper use of my consumer reports and disobedience of federal law. In reference to Wells Fargo Account # XXXX I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Additionally, In Wells Fargo terms and conditions they agreed not to share my nonpublic information with non affiliates. Consumer reporting agencies such as XXXX, XXXX and XXXX is not an affiliate of Wells Fargo nor are they " bureaus '' as Wells Fargo suggested. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as federal law has stated several times. Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Additionally, per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I obtained a loan from XXXX XXXX XXXX for the purchase of a car from Carmax on XXXX XXXX XXXX within the three day cancellation period, I cancelled the {$680.00} GAP Insurance. 

The {$680.00} has just now, on XXXX  been processed by XXXX as a payment instead of a refund or cancellation, which charging me {$19.00} finance charge for money that I did not borrow. 

I have contacted XXXX requesting the finance charges be refunded, but they refused. 

Carmax and XXXX are taking advantage of customers.
Consumer complaint received 2023-09-25
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. (PA)

Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Experian regarding late payments to XXXX XXXX  Credit Card on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Experian Report which is a violation of FCRA section XXXX. The fine of {$1000.00} per occurence. Please have the 30 day late payment from my credit report and fine Experian, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Experian. Thank You XXXX XXXX
Consumer complaint received 2023-09-08
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. (GA)

I do not consent to these inquiries being on my consumer report. Please delete immediately according to The FCRA Section 604 Permissible Purpose these are exclusions. Thank you! 

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