davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a XXXXXXXX XXXX XXXX and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX XXXX call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXXXXXX XXXX held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than XXXXpts. 

I want them removed and my score restored.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PLAID INC. (LA)

I chose the closest issue to my complaint. 
I have had issues for over a year with Plaid.Many financial institutions use Plaid to connect your banking acct info to other financial institutions ti be able to receive money. Im unable to get access to many financial institutions that holds my funds or allows me to borrow funds because of issues with Plaids Sys.Since many financial institutions use Plaid to connect to your banking acct, if your unable to get through the login process with Plaid you have no access to your money.My issue is that the security answers to my security questions that are set up in their Sys are not being accepted even though they are correct.It took at least 6mos for the situation to kinda get rectified but its happened again. This has caused me to lose my lines of credit with several places and its causing me to not be able to access my funds because my bank info can not be authenticated through the security questions which is the only way to connect to get my money.This has is causing me so much stress and financial hardship because I cant access my money.Plaid has no telephone no and no email address and no mailing address.Youre required to submit tickets online which should be answered within 2 business days but they are not.Now, when trying to submit a ticket it gives an error message saying that the app is no longer supported.I dont know what app they are referring to because Im on their website looking for assistance.This is ridiculous and a beyond serious matter because several financial institutions uses them and theres nothing that can be done to bypass them.I can lose my home, car, credit cards, etc. because of their system issues and theres no way to contact them.Ive even reached out on their social media platforms with no response.I cant function in any way because I cant access my needed funds.They should be shut down.I have several screenshots and emails XXXX from 2022 up until now with the same issue.Now the only way to try to contact them does not work.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found late payments from my credit card that were reported to all 3 bureaus. 
XXXX  XXXX : Late fees : XXXX ; Charge off : XXXX. 

I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I used electronic checks to send money to IRS and XXXX XXXX XXXX XXXX on XX/XX/XXXX. They never received checks and my account was debited for {$2100.00} total. I have asked Chime via message, email, and phone for canceled checks beginning XX/XX/XXXX and they have not provided the checks nor credited my account. 

I need proof of receipt for the following recipients : IRS and XXXX XXXX XXXX XXXX 
See below : IRS {$1600.00} - dated ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX- {$480.00} dated ( XX/XX/XXXX )
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC (OH)

i just checked into my credit and i have past medical bills due to a  XXXX  and all the bills where payed in full and now i have bills in collections and the baby was an   XXXX   so all the medical bills where addressed with final paper work 6 months after the   XXXX   there should n't be any past medical exps the attorneys had it all payed and shut
Consumer complaint received 2021-05-16
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: Orions Management Group, LLC (NC)

I have received a copy of my credit report and it shows company ORIONSMANA account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

I used to bank with simple then they changed to BBVA compass, right after they changed to pnc bank. Then they shut my account down. I had taxes for years going there to my simple account. Now all my money has disappeared, a few XXXX. Pnc said there's no way they can get it back. I had a XXXX tax return never received and more.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

Thursday, XX/XX/year> I sent my husband that resides in XXXX, XXXX {$370.00} which is XXXX in XXXX. The transaction was supposed to be deposited in his bank account on XXXX and its now XXXX and he still hasnt saw the money. Money Gram had systematic issues either last week or two weeks ago. Customers like myself that send weekly transactions never was made aware of it. Some parts of XXXX had an outage of data service, similar to the XXXX XXXX XXXX  dilemma that took place in XXXX. Some of it has been restored and some business have moved on to another reliable data service in parts of XXXX. The money I sent my husband is floating around out there in the cyber world. Hes made multiple calls to his bank, Ive had dead end results with Money Gram. This is becoming extremely dangerous for my husband. The money I send is for our family and him to keep a safe place over their head and this is causing a great deal of anguish and fear to my family. I send money weekly and have been for over a year and half with Money Gram. This is the worst Ive seen it by far. I just want the money rerouted back to my bank account so that we can find another options to get this money to my family. XXXX may not be a lot for the working American but it sure is a XXXX of a lot to the non working class in XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Two accounts shows as closed and charged off yet XXXX XXXX XXXX Equifax still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication 4681 explains the federal tax treatment of : Canceled debts. 
Foreclosures. 
Repossessions. 
Abandonments. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit.

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX. This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Inaccurate information on my credit report from ALL 3 major credit bureaus. 
Name on credit report is inaccurate. 
False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MO)

Dear Consumer Financial Protection Bureau, I am lodging a complaint against Debt Recovery Solutions for fraudulent debt collection attempts and unauthorized credit inquiries. 

Debt Recovery Solutions is attempting to collect a debt I do not owe, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt.

In addition, the company has performed unauthorized credit inquiries, impacting my credit score without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( f ). 

I request the CFPB investigate these practices and enforce my rights under the FDCPA and the FCRA. The company should cease all communication, remove related negative information from my credit report, and confirm these actions in writing. 

Thank you for your attention to this serious matter.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}. CXXXX XXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}XXXX XXXX XXXX XXXX  {$7800.00}, XXXX XXXX  XXXX XXXX {$470.00}. XXXX XXXX XXXX {$39000.00}. XXXX XXXXXXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXXXXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Consumer complaint received 2023-05-25
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: Source Receivables Management LLC (TX)

I spoke with XXXX on XX/XX/2023 about account # XXXX with XXXX  XXXX XXXX I ask her to send me the Original Debt Documents she informed me that she did not have them so I am asking that Source Receivables Manag remove it from my Credit it has no date of the Original date the Amount of the Debt is {$2400.00}
Consumer complaint received 2020-04-28
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: AMERICAN EXPRESS COMPANY (TN)

American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NM)

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 Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX? XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have attempted on 3 occasions to have Equifax and the debt collection agency to accurately report the account information. My chapter XXXX bankruptcy was discharged on XX/XX/XXXX and I have two collection accounts still reporting as open with a balance. This creditor was included in the bankruptcy filing, however they did not file a claim. I have sent a letter to collection agency requesting that they report it as closed/charged off and two disputes with Equifax to correct the error. After my first dispute filed on XX/XX/XXXX, completed on XX/XX/XXXX the account was corrected to a {$0.00} balance but still reporting as open. I filed another dispute on XX/XX/XXXX and shows it was completed the same day, now the accounts show the balance again and are still reporting as open. These same accounts have been reported as open with a balance since my bankruptcy plan was confirmed in XXXX of XXXX. The collection agency reports every month so that it refreshes the timer, essentially so they can damage my report for more than 7 years. These accounts are no longer able to be collected. While they do not contact me in an attempt to collect the debt, the inaccurate reporting is hindering my ability to effectively rebuild my credit.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (CA)

I got a loan with Greensky and I already made one complaint and I got the results back yesterday I was not satisfied This company green Sky. my information was taking by general contractor thats the merchandise. Green sky is required to prevent future illegal practice by verifying consumers and identifying and confirming the authorization prior to activate loans. I signed the contract with the general contractor where does it say? Green Sky is involved it does not say anything about that in the first place green Sky its supposed to be verifying me not the contractor does not have a license for being a loan officer I got ripped off I got the wrong information I did talk to Greensky after. This is not supposed to happen to seniors