davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

On XXXX I submitted CFPB Complaint # XXXX informing you of your improper use of my consumer report. Several investigations were opened as a result. To be in obtain, possession of, share and use another persons identifiable financial information, the law requires you to have consent of that person. In regards to the financial information associated with the account listed in the attached notice you did and did not obtain the consumers consent directly or indirectly from the thereto mentioned Data Furnisher/ Customers who provided it to you. 

As a result I have filed a lawsuit agains you in the XXXX XXXX Court House and I am attaching a copy of that summons to this complaint in a attempt to resolve this matter privately and amicably. 

A formal copy of this notice which includes the court summons is being sent via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE THE ATTACHED )
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX Portfolio Recovery filed a motion for continuing writ of garnishment on a debt that was paid in XXXX and was charged off in XXXX ( 11 years ago ). Over the years Portfolio Recovery has contacted me about this debt and in XXXX I explicitly told them I had paid this debt with XXXX  XXXX ; as I had acquired new credit cards from them and I had to pay my outstanding debt to be in good standing with the company. This seemed to suffice at the time ; however, 5 years later, Portfolio Recovery has now contacted my employer ( XXXX XXXX XXXX  and is trying to collect a debt that was paid, not valid and they did not validate ; since my last interaction with them. This has no doubt caused reputational damage to my relationship with my employer and when I contacted them today XX/XX/XXXX to notify them of the issue. None of the XXXX litigation representatives which include XXXX XXXX, XXXX XXXX, and XXXX XXXX were able to assist to rectify the problem. Instead, they gave me the run around by having me file a dispute which takes XXXX days to resolve, while my employer will be debiting my account in the next 14 days.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and make sure to correct or discard them from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank XX/XX/XXXX : after not receiving a notice for payment, i made the payment and asked to be put on autopay. 

My autopay should be approximately XXXX. I have always paid XXXX -- XXXX dollars more each month for over 24 months. 

On XX/XX/XXXX Synchrony Bank withdrew {$3800.00} dollars from my bank account and closed the account. That had paid it in full. We had a balance just over {$1000.00}. The bank has an account that paid {$2700.00}. That account charges fees and interest. 

I called my bank to have them cancel the incorrect withdrawal. Because it was Synchrony, they could not do that. They suggested I contact Synchrony. At first I could not log in because my account was closed. I found a way around that. After much searching, I found a number to call. 

Call 1 : The person I reached told me it would be 7 - 10 business days to return our money. 

I went to their XXXX  site and saw where people were leaving comments about the same or similar thing happening to them. I left a message on there. 

A person called me and told me she would try to expedite the return because we had {$36.00} to last us in to XXXX. She said that it was a " SYSTEM ISSUE '' and we should get our money back in 14 days. She gave me a phone number with extension and her hours. Repeated calls have not been returned. 

I have had about 6 messages under their HELP section. The responses I have gotten back are almost form letters. They say it will be 7 - 10 days, and the latest ones say it will take at least 2 to 3 weeks. One said the account is closed, so they will have to send us a paper check. 

I have sent information on this to XXXX XXXX XXXX XXXX XXXX XXXX I learned that they only contact the company and let the company handle it. 

The Synchrony card we have was for our XXXX heatpump. I understand this company owns over XXXX cards such as XXXX, QVC, Lowes, and the topper is Amazon. 

The financial devestation I have experienced has created problems with me mentally as well. Soon the electric company will turn off lights, and the phone company will shut off the phone. We traveled XXXX miles round trip to turn in out cable equipment to stop that autodraft. Our car gets XXXX mpg, gas is about {$3.00} a gallon. If you do the math, and take it out of our XXXX remaining dollars, you get the idea. 

I now know we are not alone. Please get them to handle this quicker. Fine them, suspend them, I do not know ; but action need to happen. 

Synchrony has major problems and has about ruined my family, my credit and since I can not get life saving medicine, they may have killed me. 

I have copies of the messages, my payment history etc but can not attach them currently.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (TX)

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

Sallie Mae is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes XXXX days to reflect. It reflected after XXXX and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WI)

I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I paid off my XX/XX/23 to XX/XX/23 statement. The statement amount due was {$8000.00} and I paid {$8000.00}. I was charged interest of {$98.00}. 
The company informed me I need to go 2 months of have balances paid off without getting charged the interest fee. 
They should put that information up by the amount due area- " even if you pay off this balance we will still charge you interest '' Plus how do they calculate?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (WV)

I received an email from TD Bank today XX/XX/2023 stating that I opened a new bank account with them. I called to report that it was a fraud account and they asked for my social security number to look up the account. I told them that I was not giving them my social security number. She looked up my zip code to find the nearest branch so I could go to the branch to resolve the issue, but there are not any TD bank branches in my state. I was referred here.
Consumer complaint received 2024-03-26
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)

I noticed certain accounts on my consumer reports which are fraudulent accounts and i never gave them consent to furnish any information on my consumer reports if i did show me our contract that i have signed with a wet signature that i gave you permission to furnish information on my consumer report please delete these inaccurate and fraudulent accounts from my reports. I have disputed 3 times before and why arent these errors addressed or fixed since you have failed multiple times i need all these accounts deleted i have included all XXXX different disputes sent and received by your agents all tracking numbers are going to be provided in the evidence as well. So did you not receive my letters dated XX/XX/XXXX? 

Also dated XX/XX/XXXX? 

Also sent another letter dated XX/XX/XXXX? Did you not receive my letter with all the errors circled in red? I also outlined all the errors and incomplete data that you dont have to furnish this account 100 % accurately so delete the below accounts or i will have to seek legal remedy and i am trying to resolve this outside of litigation / and or arbitration so delete and remove these accounts that are hurting my credit Equifax XXXX numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Services, Inc. (OK, TX) (GA)

we rented a house from this company, and he did not fix anything we went to court court ordered us to pay him XXXX dollars and move and we did. He owns a low-income apartment complex we never lived in after we paid him and the case was over he took our information and placed an amount on our credit report as if we lived in that complex we never lived there.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Dear CFPB, I appreciate your attention to my initial complaint regarding Portfolio Recovery Associates , LLC ( PRA, LLC ) and their attempts to collect a debt that I have disputed. I have since received a response from PRA, LLC 's Disputes Department. Complaint # XXXX However, I have concerns that remain unaddressed : Lack of Licensing Verification : In my initial complaint, I mentioned that, to my knowledge, PRA, LLC is not licensed to operate in my state. Their response did not address or provide any evidence of their licensing status. I believe this is a crucial aspect of my complaint, as their authority to collect debts in my state of residence is in question. 

Inadequate Validation of Debt : PRA, LLC has provided a statement from XXXX XXXX as their sole evidence of the debt 's validity. Notably, the statement shows a credit limit of {$1000.00}, yet the balance stands at {$1200.00}. This raises questions regarding how the balance exceeded the credit limit, and whether there were any additional fees or charges added that I was not aware of. Moreover, a mere statement does not serve as a binding contract bearing my signature or any other concrete evidence proving my responsibility for the debt. 

Transparency and Clarity : While PRA, LLC claims to have completed their investigation and provided documentation to establish the debt 's validity, I find the evidence provided to be insufficient. A single statement does not provide a comprehensive view of the account 's history, transactions, or any communications I might have had with the original creditor. 

In light of the above concerns, I kindly request the following : PRA, LLC must provide concrete evidence of their licensing status in my state of residence.

PRA, LLC should furnish a detailed breakdown of the balance, specifically explaining how the amount reached {$1200.00}, surpassing the credit limit. 
A copy of the original contract or agreement bearing my signature, which establishes my responsibility for the debt. 
I reiterate my initial request that PRA, LLC ceases all collection activities related to this debt until they can provide proper validation and obtain the necessary licensing to operate in my state. I also stand by my initial demand for corrections with all credit bureaus and the removal of this account from my credit report due to the concerns raised. 

Thank you for your continued support and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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. (MI)

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have not received any information regarding this information that was requested on XX/XX/24. I will attached my letter I sent and certification mail receipt
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

EQUIFAX DROPPED BY SCORE BY XXXX POINTS impacting my agility to qualify for loans. My total debt actuallywent down, not late payments, no justificaiton for this drop. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX XXXX credit card balance increased by {$7.00} from {$0.00} to {$7.00}. 

You're doing a great job! Even though your balance went up a bit, you're still using less than 10 % of your available credit, which makes your Credit Card Utilization rate Excellent. 
Balance Decreased XXXX XXXX XXXX account balance decreased Between XXXX XXXX XXXX  and XX/XX/2023, your XXXX XXXX XXXXK credit card balance decreased by {$45.00} from {$2100.00} to {$2000.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.
Consumer complaint received 2023-05-24
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (OK)

In accordance with the Fair Credit Reporting act. The lists 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 Sextion 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 items of information, other than records of convictions of crime 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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$370.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2023-01-10
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. (HI)

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an active service member who has been deployed overseas for the past 3 years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}