davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (MD)

Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Accurate Financial Partners (LA)

Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested
Consumer complaint received 2022-09-12
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2021-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (IN)

- I opened a 12 mo CD with Marcus Goldman Sachs on XX/XX/2020 for XXXX - On XX/XX/XXXX I called Goldman Sachs to close the account and move the money back to my XXXXXXXX XXXX account - The customer service person and supervisor both told me that my CD that matured on XX/XX/XXXX was rolled into a new CD at a much lower rate and I would have to pay a penalty if I closed the CD and moved the funds back to my XXXX account - The penalty is over {$600.00} so I asked them to waive the penalty as I was unaware of the rollover to a new CD - XXXX GS siad they would not waive the fee - I wasn't informed of the automatic rollover to a new CD - I wasn't asked to accept the new CD rate - The language in the letter XXXX sent in XXXX does not clearly describe what we needed to do to keep the CD from rolling into a new CD or that there would be panalties with this new CD
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Good night Sir/Madam I don't know where to fight against Paypal. They steal my money that i have legally from my friend. Gamers. 

My name XXXX XXXX. I live in XXXX, XXXX. My email that link with paypal are : XXXX and XXXX On XXXX paypal hold my 2 account for 180 days, i have total XXXX XXXX I've been waiting for this XXXX to be able to withdraw my money. But when i login onXX/XX/XXXX i am shock that PayPal take my all my money in 2 account ( {$2400.00} ).
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MD)

I file three dispute with Experian to properly verified all disputed accounts with a full investigation according to consumer law 1681 ( a ) ( 4 ). They still have not complied with the law or my request/ my lawful rights to send me the document they use to verified these accounts below and the name of the person in there company who verified these accounts as accurate. Im asking for you all to assist me with holding them accountable and furnish over these documents to me. II also stated I do not consent to e-Oscar or any means of automated verification. As of today they sent me the rdispute results online e-Oscar. I want them to mail me the documents or data they use to verifiy the accounts below. Im also requesting that these account be deleted due to several months of willful disregard to do a proper investigation. 

XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX. XXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2021-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (IN)

Mortgage payment to Suntrust Mortgage was submitted via My banks bill pay ( Typically takes 5 business days to receive and I have proof of sending payment thru my XXXX bank bill pay function ). Suntrust claims that payment was not received via mail in XX/XX/2020 and the payment ( {$1200.00} ) was deemed late ( I had to cancel the check ). They blamed it on the USPS. Loan was then put into default. I sent a second check to make payment. I then received notification that the initial payment was received but could not process due to it being cancelled. This same issue happened the previous month in XXXX XXXX as well. 
Suntrust reported the default to credit bureaus and now my credit score is the lowest that it has ever been. I have filed a dispute with Suntrust and was told it may take up to 60 days for review and notification of the results. Suntrust does not accept electronic payment of any kind unless it is thru their site. Since they only take mailed check, its my opinion that payment was not processed in a timely manner due to lack of manpower or issues within their own system.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NV)

This is a tax issue. 

I refinanced my home with Axos Bank in XXXX. They never gave me a XXXX tax document, but I was able to use the refinance paperwork to complete my taxes. Again, I have not received a tax document, now for the tax year XXXX. 

Online where the documents section is located, it says that I will not have a tax document and that only people who pay more than {$10.00} in interest receive one. I have paid much more than that and should receive one. 

I tried their virtual help and was told that the documents were mailed XX/XX/XXXX ( over 3 weeks ago ) and that if I receive e-statements that the document would be in my document section. I am unable to sign up for e-statements, because there is no sign up option online.

My paper statements are going to the wrong address, and I have tried to change the mailing address and still am not receiving mail at the correct address. Perhaps a tax document went there as well? Maybe that happened last year too? 

I called the XXXX number and spoke with a call center rep. She was unable to help me. She said she is unable to email me the tax doc ; she's unable to upload it into my Axos statement section, and she needs {$10.00} to mail me a tax doc. 

I refused to pay {$10.00} for a document that should be legally mine ( and for free ). At that point she was unable to help after I refused to pay money. I asked for a manager and was told that one is unavailable. She said she'd put in a request with her manager. 

I asked how long I should wait to follow up because I didn't feel confident that the issue would be resolved, especially since no resolution had been agreed upon once I denied payment. She didn't understand my question and said she would have a manager call me back. 

I chose to report this to the CFPB, because I have had ongoing issues since I started the refinance process with this bank, and they seem to continue. I can't get my statements online. They keep mailing to the wrong address. And now two years in a row I haven't received a tax document. 

How do I file my taxes?
Consumer complaint received 2021-06-21
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. (AL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (PA)

I received a phone call from collection agency from a blocked # then the rep talked to me with out authentication there is a XXXX & XXXX in my house Gould the balance on the account was {$560.00} they offered me a settlement for XXXX XXXX and something dollars asked the rep did the purchase this debt sat yes I offered him a lower amount said he need to bring his Supervisior on line talked with his Supervisor XXXX XXXX who also discussed the debt without authentication told him I never received anything in writing from your office and I believe you have the wrong person then he states are you threatening me to take an lessor amount of money I stated how can I threaten you to take my money told him Im going to file a complaint against there office for 3rd party disclosure and not authenticating you have the right person on line didnt ask for my date of birth or social security # Collection agency name is Jefferson Capitol Llc XXXX XXXX XXXX XXXX XXXX Mn XXXX there in violation for not authenticating they have the right party on lime and calling me before they mailed something in writing.
Consumer complaint received 2021-06-21
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: TRANSWORLD SYSTEMS INC (MS)

TRANSWORLD SYSTEM INC is reporting inaccurate information on my credit report. Not only that, but they are refusing to provide proper validation to this alledged debt and several violations are reporting on this account. i have tried to resolve this issue for months and the company has not been helpful at all.
Consumer complaint received 2023-03-15
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. (TX)

In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXXXXXX XXXX XXXX XXXX unknown account ( possibly fraud/violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX  violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF, THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING XXXX XXXX TO PROVIDE PROOF WITHOUT MY AUTHORIZATION IS NOT PROOF OF VALIDATION NOR IS IT PROOF OF VERIFICATION, WHO, WHAT, WHEN, METHODS, DATES NOT PROVIDED, INVESTIGATION STEP BY STEP DOCUMENTATION PROOF NOT PROVIDED, ILLEGALLY CHANGING NAMES OF COMPANIES UNDER THE ACCOUNT WITH OUT LEGAL PROOF THAT THE FEDERAL LAWS WERE FOLLOWED WERE NOT DONE
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have disputed with equifax XXXX and XXXX and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my credit score even though its been over 10 years
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (ME)

Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (NV)

I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them. 
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.
Consumer complaint received 2023-05-20
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. (NC)

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these companies have 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 an 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 1681 s-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 their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

XXXX
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with XXXX XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}