davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

I have had a carecredit.com card for pets for many years and had a XXXX balance due but they canceled and closed my card anyways. They told me because of my credit history in general. This is a horrible thing to do during a pandemic and may cost the life of my pet.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may n ever have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2018-02-26
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. (IL)

I reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..
Consumer complaint received 2021-12-07
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. (TX)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This was apartment rent that was owed during the COVID-19 Cares Act Period. But several items above that. 

1. Unit was not placed on market per lease agreement ( EARLY TERMINATION OPTION. Unit took 16 days after notice was placed to market on site or in person. 

2. Cares ACt was in place.
Consumer complaint received 2021-03-19
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. (NJ)

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I disputed the following medical bills listed below numerous times. Reporting this violates my privacy, my security and violates HIPPA which is against the law.

ALLEGED MEDICAL DEBT 1. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report. 

2. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-26
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. (NY)

im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.
Consumer complaint received 2021-05-26
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 — Investigation took more than 30 days
Company: LEXISNEXIS (NC)

I contacted Lexis Nexis Consumer Center on XX/XX/2021 by certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis has listed on my consumer report. On XX/XX/2021, Lexis Nexis responded via mail that I did not send my state identification card in with my initial request, when in fact I did. On XX/XX/2021, I contacted Lexis Nexis by certified mail, and resent a copy of my initial request along with another copy of my state identification card. As of XX/XX/2021, Lexis Nexis has failed to respond to my request of an investigation of the alleged bankruptcy that Lexis Nexis has listed on my consumer report that is causing irreparable damage to my credit profile.
Consumer complaint received 2021-12-07
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (FL)

This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.
Consumer complaint received 2021-05-26
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 ()

Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX account. 

I'd really appreciate it you helped me resolve the issue and get my account back.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  cc was paid off in full over 10 years ago and it shows up as charged off which is completely incorrect! And why is it even still showing after 10 years! They keep offering me cards but because of the foreign verbal gap I prefer not to have the card again and it seems because I wont accept they offer they put this back on my report
Consumer complaint received 2020-09-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I lost my job in XXXX, XXXX and did not find new employment until XX/XX/XXXX. When I resumed working I contacted my lender and we worked out a repayment plan for me to catch up on the payments I was behind. I attempted to apply for a permanent loan modification to catch me up and enter into a stable payment. I was told my hardship was not resolved however I was back to work and it had been resolved. I hired XXXX XXXX Firm to negotiate with my lender a modification. On XX/XX/XXXX I contacted my lender and was put on the CARES forbearance plan due to my income fluctuating while I adjusted to the new restrictions. On XX/XX/XXXX I again spoke to XXXX XXXX and my income had become stable. XXXX XXXX called and spoke to XXXX ID XXXX who advised that the past due would automatically be deferred and I could begin my prior payments in XXXX. The legal assistant was told that I would have to call because a third party could not take me off the forbearance and move forward with the deferral. I called and was told that I needed to send a full loss mitigation package. I had applied and received a homestead tax exemption lowering my payment about {$1400.00} annually. I was told that I would be able to get a deferral and start paying again and now the process may take months increasing my debt. my servicer told my representative something but had me call to offer me something else and I was mislead and given inaccurate information.
Consumer complaint received 2021-12-07
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: NAVY FEDERAL CREDIT UNION (TX)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is a continuous complaint to complaint id XXXX. XX/XX/2019 I made payment to my mortgage company, it was returned due to me having fraud attempts on my bank account. Once I found I contacted my bank immediately to resolve this issue. Issue was resolved and I contacted the mortgage company to apologize and to resubmit payment. Payment was accepted and was advised by XXXX that the returned payment took me out of the modification program. I asked her why she said because during the trial payment I am not allowed to be late or have a payment returned. I continued to dispute it as I am no longer on the trial payments as that ended in XX/XX/XXXX and now XX/XX/XXXX placed me in the stage of starting over, which means I complied with the trial and am now given an opportunity to start fresh in XX/XX/XXXX. As the Agreement that I signed did not state that "if a payment is returned that the modification Agreement would be terminated". I have attached a copy of same for your review. I have attempted to make my XX/XX/XXXX mortgage payment under the modification agreement and was advised that it would not be accepted and I received a notification from XXXX and XXXX that LoanCare has marked my mortgage payment late. I am in desperate need of your help. I am a XXXX mother of XXXX kids and I am trying my hardest to keep my house but this company is doing everything possible to keep me from that.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 someone took {$480.00} out of a XXXX XXXX XXXX with my BofA EDD card information. Bank of a America closed the case without refunding the money that was stolen. Phone call after phone call, Bof A agreed to look at this case again. The claim number is XXXX. Earlier this week I filed a police department with the XXXX, CA police department The police report file number is XXXX. XXXX XXXX XXXX took the report. His badge number is XXXX. His cell phone number is XXXX. His office number is XXXX. The address of the police department is XXXX XXXX XXXX XXXX, CA XXXX. I want Bof A to refund me {$480.00} for the identity theft that was committed!
Consumer complaint received 2020-09-08
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. (NY)

When we tried to apply for a mortgage with XXXX on behalf of myself and my mother ( XXXX XXXX XXXX ) we were told that Equifax had her listed as deceased and was therefore unable to process her credit report. 

We spent at least two hours on the phone with Equifax on XX/XX/XXXX and were finally told that the problem would be rectified within 30 days, and that we would receive a letter that confirmed that the issue had been addressed. 

On XX/XX/XXXX, it had been over 30 days. We had not received a letter that said that the problem was resolved, but we called to inquire about the status. Equifax said that she is no longer listed as deceased in their records. 

Unfortunately, when XXXX XXXX  tried to then run a credit check on my mother to proceed with her mortgage, she is still listed as deceased. They have not resolved the problem, and everytime we ask XXXX XXXX  to pull her credit ( three times now ) her credit is dinged as a result. 

Most frustratingly, we have been trying to resolve this with Equifax but they either insist that it is resolved or say that they are the wrong person to help, and pass us on to the next operator, who is also unable to address the issue. We have been on the phone with them non-stop for five hours straight and still nobody can help us. 

Equifax is not able to address the problem after 30 days of them incorrectly listing XXXX XXXX XXXX as deceased, and they have terrible customer service who are incapable of addressing the problem so just pass us on to the next person who also can't help. As a result of their incompetence, my XXXX year old recently unemployed mother is unable to move ahead with selling her apartment and purchasing a new home, which she needs to do for economic reasons. It has been weeks with no resolution in sight.
Consumer complaint received 2021-03-29
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. (IL)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (FL)

I got stuck with buying a XXXXXXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I didn`t get my sales paperwork until two weeks after the sale. I called, and went down with a friend to get the sales paperwork one week later, and was told by XXXX XXXX ; Salesman at XXXX that the General manager, XXXX XXXX father died and that he was in XXXX XXXX XXXX 

When I finally got the paperwork, I looked it over and noticed that they put down ' {$2000.00} in assets ', I have no assets at all. The salesman also put in that I make {$4000.00} a month. I work as a XXXX XXXX XXXX, we never get that amount of money. I was only making {$13.00} an hour. Also, it was written in that I was at the XXXX XXXX for 3 years, I started with them one month before this sale. 

The Healthcare Agency was bout to fire me as well, so I resigned. There is also something about me putting down $ XXXX, that was to get my car back that I drove there in. I have a Lawsuit against XXXX XXXX XXXX for false representation as well as many other items as they had two eeks to doctor up the sales paperwork. 

Wells Fargo should have checked this sale out before lending the money to XXXX XXXX XXXX, so I'm considering a lawsuit against Wells Fargo Auto Finance as well.