davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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. (GA)

XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX XXXX condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX  Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with Capital One Bank. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at XXXX XXXX XXXX are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (FL)

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1500.00}, and have had 10 bi-weekly withdrawals of approximately {$180.00} to {$130.00} debited from my account. This results in a principal balance of {$1400.00}. 

I am willing to repay the {$42.00} balance via credit card in 5 monthly installments of {$8.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.
Consumer complaint received 2022-12-31
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. (PA)

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 XXXXXXXX, 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 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. Monday, XX/XX/2020 I made a sale on XXXX for an XXXX  XXXX   XXXX '' XXXX generation XXXX GB. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? Account ID : XXXX Furthermore in PayPals last response they stated the reason for holding the funds was so there would be sufficient funds in the event of a chargeback or refund. I HAVE ALREADY WON TWO, not one but TWO OPENED CASES FROM THIS ONE BUYER. The last case I won was because the buyer claimed unauthorized transaction, but the transaction was indeed authorized so I beat that case as well. Because of this there is NO OTHER REASON FOR PAYPAL TO CONTINUE HOLDING MY FUNDS.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE? 
Why???
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Dear Sir, I have a carecredit issued by Synchrony Bank. 
In XX/XX/2020, there is a card security fee for {$66.00}, I contacted card security in XX/XX/2020 and cancel the services for XXXX and for future charges, because I did not enrolled for this. 

In XXXX I received my statement from Synchrony bank showing there a another fee for XXXX for card security again. I call card security on again and they told me they stop my services for XXXX and XXXX and they issued a credit. 

When when I received my XXXX statement Synchrony Bank I don't see any credit form card services and Synchrony Bank keep charging me a fee for. 
As of XX/XX/XXXX, Synchrony Bank owed my XXXX. 

I tried to reach out to Synchrony bank many time and couldn't reach them. 
Synchrony bank need to credit my account for XXXX and stop billing me for the card security. 

I need help from your agancy to get this done.
Consumer complaint received 2020-04-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OK)

I discovered that I needed new roof in XXXX of XXXX. Decided to employ XXXX XXXX. Home Insurance agreed and released partial payment to begin on XXXX XXXX. PHH Mortgage is the co. that has a reverse mortgage on our home. After many calls they finally released the funds for the roofers to begin work. The roof was completed XXXX XXXX, XXXX. I have been trying to get the mortgage to release final payment since they received the final payment from our home ins. They still haven't sent the money and every time I call I am given a different excuse. I have since decided to sell our house and was scheduled to close on XXXX. XXXX. I informed the mortgage co. of this and the request for payoff was made on XXXX, XXXX. The second request was made on XXXX. still nothing. I have attempted again today and got a different answer than Fri.The mortgage co. just refuses to pay for the roof or supply us with the payoff so we can close. The people purchasing our house refuses to wait past Mon. the XXXX of XXXX.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with XXXX. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX XXXX, I had XXXX and LexisNexis investigate this matter. My name is XXXX XXXX XXXX XXXX, No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX XXXX   of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, LexisNexis and XXXX are refusing to remove and delete this bankruptcy.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX [ Experian General Counsel [ Experian XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Subject : Notice and Demand Regarding FCRA Violations Dear [ Experian General Counsel I am writing to bring to your attention serious concerns regarding inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) within my credit report held by Experian. Despite my previous dispute attempts, the issues persist, indicating a failure to comply with the FCRA. 

I have identified the following discrepancies on my credit report : XXXX XXXX XXXX XXXX Reporting inaccurate report dates The latest on this report show as 30,60,120,150,180,180 This is clearly incorrect reporting and a clear violation of the fcra, These inaccuracies have negatively impacted my creditworthiness, and I believe they are a direct violation of my rights under the FCRA. I have made reasonable efforts to resolve this matter through the regular dispute process, yet the issues persist. 

As the General Counsel, I am addressing this matter directly with you to request an immediate and thorough investigation into the reported inaccuracies. I demand that Experian remove this tradeline from my credit report swiftly, provide me with a corrected credit report, and notify all relevant parties who have accessed my credit information in the past six months of the corrections made. 

Failure to address and rectify these issues within [ reasonable timeframe, e.g., 30 days ] will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. I trust that Experian takes this matter seriously and will act promptly to remedy these violations. 

I anticipate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ XXXX or XXXX if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-31
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: CREDIT ACCEPTANCE CORPORATION (AL)

XX/XX/2021 I requested a wet signature signed contract that I owe credit acceptance! They have also placed a late payment on the account And the account is closed. If the company can not send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-01
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX   XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (WI)

In XXXX of XXXX, I opened an account at PNC Bank, and the next day the bank closed the account and did not give me a reason. XXXX at PNC Bank at the XXXX Branch in Wisconsin talked to me about the account and stated that she was waiting for a manager approval and she did not get back to me on that, so I called customer service about the matter and the representative claimed that I wrote out a check in XXXX and I never did, My sister had an account back then, I believe the PNC bank is getting me and my sister mixed up with wrong information. I also talked to the branch manager at that location and could not even give me a reason either. I was a customer to the bank 4 to 5 years ago, and I did have balance, but was paid off.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (PA)

A company called factual data ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX XXXX XXXX asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.
Consumer complaint received 2022-12-31
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. (PA)

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 XXXX XXXX XXXX XXXX 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.