davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
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. (MA)

To whom it may concern, this serious issue with Equifax and correction and or compensation to XXXX XXXX. WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED. DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.
Consumer complaint received 2018-07-26
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. (MN)

When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute on XX/XX/XXXX with Equifax stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XXXX XXXX -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
Consumer complaint received 2022-04-27
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. (OH)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right 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 then 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

I received a bill from XXXX XXXX of debt when I did not visit their office and this was after a data breach in which a class action was won against them. I called them to complain that this bill was wrong but the person on the phone insisted that I will pay the money. I asked her to send me the result of the medical test that they are billing me for and I will pay the bill. They could not provide any tests or results. I have always had health insurance that pays for all my laboratory tests. They just sent my information to the credit Collection dept,  which in turn reported me to XXXX which placed a derogatory statement that decreased my scores. I humbly request that you use your good office to correct this anomaly. Thank you in anticipation for your favorable response. 
Your 's Sincerely, XXXX XXXX
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

My XXXX payment was direct deposited into my paypal account on XX/XX/2021. Upon deposit I found out that my account was limited due to " needing to verify my identity ''. I followed the guidelines to verify and was told I would have access to my XXXX within XXXX business days. XXXX days later I received an email stating I was no longer permitted to have a paypal account, and any funds in my account will be frozen until XXXX days after the XXXX of XXXX, and after the XXXX days pass I would be sent instructions on how to collect my funds when they are released from the account freeze. They also started that by their decision is final and I could not appeal their decision. Ive called them multiple times trying to explain that there must be some.mix up. I only had the account for XXXX months at the time of the XXXX deposit and only made XXXX transactions in that time. They refused to look at my situation or the fact that I am unemployed already already drowning in debt and about to become homeless. This is a XXXX, to help us struggling people who were affected by the covid pandemic and the XXXX payments are meant for us to catch up on out debt. Well I think it isn't right that they can keep my funds because they say I haven't proven my identity. Can I do anything about this? I don't know.what else to do. Please help me. Thank you.
Consumer complaint received 2022-04-27
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. (OH)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right 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 then 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (IL)

There is an unverifiable account on my report. I've submitted XXXX rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over XXXX days Since XX/XX/2021 since my second round of dispute letters.
Consumer complaint received 2020-01-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX-2020 a method of verification letters were sent to both XXXX   and Transunion. XXXX has failed to even respond and Transunion replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.
Consumer complaint received 2019-08-13
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX ), ACCOUNT XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On numerous occasions, I have instructed Experian to make sure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX all honor my opt out request Pursuant to 15 UCC 6802 but Experian just keeps on replying, saying that they will no longer look into this dispute because the company verified information. I never asked for verification of anything. I am demanding to opt out the sharing of my personal information with third-party credit bureaus. Credit bureaus are not directly affiliated with either of these companies, therefore my rights are being violated, and Experian needs to be held accountable for the violation of my rights under the UCC code.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I had opened a retail credit card to pay for an engagement ring on XXXX XXXX  XXXX. I doing so, I put money down and was under the impression that there was no interest within the first 12 months, as long as I paid it off. They stayed true with that. What I thought was sly and misleading was the fact that after those 12 months, they didn't charge the regular interest rate on the remaining balance. No, instead, they charged the regular interest rate on what the FULL AMOUNT the ring cost me. I was {$1000.00} shy come the day of the interest charge ( XX/XX/XXXX ). I got married 2 days after that charge ( XX/XX/XXXX ). I didn't notice the charge until I got home on XX/XX/XXXX, which is when I was going to make the final payment, or so I thought. I expected some interest, because I saw the notification that interest would be charged, but I did not realize it would be based off full amount of the item. If I had known that, I would have scraped every dollar possible to avoid that from happening ( on top of wedding payments ). With that said, I paid {$1000.00}, and called to speak with Wells Fargo. After talking to FOUR different people, hung up on ... TWICE, and on hold for a total of 45-60 minutes, I finally was able to speak to the correct person about the issue. I explained the situation and told him I didn't expect to take away all the interest, just not the amount that would have been charged to the remaining {$1000.00}. All he could say is " I can't do that ''. He was no help. So I tweeted about it. They responded and asked me to DM, I explained it to them. They gave me a Case #. This was 2 weeks ago. They told me the person that was handling the case would reach out to me. They also said the case would be resolved come XX/XX/XXXX. I have not heard ANYTHING from them about the case or anyone, for that matter, from Wells Fargo since that call on two weeks ago. Considering I am likely going to get charged interest again soon on the {$1400.00} that they charged me, I need this resolved ASAP.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

It came to my attention that XXXX reported that I owe them an account # XXXX in my credit report. XXXX has previously settled with me out of court and paid me an amount of {$500.00} for FDCPA violation and agreed to remove any error and inaccurate accounts reported in my consumer credit report agencies.
Consumer complaint received 2022-04-27
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by XXXX XXXX. The debt was with Capital One to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with XXXX on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted on XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I was contacted by Wayfair Mastercard on XX/XX/22 that there XXXXy have been fraudulent activity on my card. I confirmed I made NO purchases and have never used the card. I was told by their fraud department I would not be held responsible for the fraudulent charges and they would be removed from my account in XXXX days. I received an account statement yesterday XX/XX/22 showing a {$2000.00} balance. When I called I was transferred at least 3 times and was told I just needed to be patient and wait for them to complete the investigation. It has been 16 days already. I confirmed I did not make the purchase. I want the charges removed immediately.
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I am a victim of identity theft. My information was used to open an account with XXXX XXXX XXXX XXXX. I only became aware of this after they placed the account for collection with Sunrise Credit Services. I contacted Sunrise Credit Services and advised them that this account is a direct result of identity theft. 
As of today, more than 30 days later, this account still appears on my credit files.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (PA)

The is a new inquiry on my XXXX and Equifax credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (SC)

GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct.  GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.