davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by Portfolio Recovery. The debt was with XXXX XXXX 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 Portfolio 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 onXX/XX/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 2020-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc. (WA)

I opened a prepaid bank account with REVOLUT in XX/XX/2019. See www.revolut.com. The only way to communicate with them is through a phone app which I installed. There is no login but your phone number is used to validate you. 
They provided me with a debit card. 
According to their website, the funds in the REVOLUT account are held at XXXX XXXX XXXX 
Money is loaded to the REVOLUT account using other debit cards ( " loads '' ) It worked for a while but now REVOLUT has " restricted my account permanently ''. It seems because they want to see my spending patterns on a completely unrelated credit card. 
I have a balance of {$4000.00} in the account. 
I have asked them to close the account and refund my the balance but am getting no response. 
I can provide you with my phone number ( used by the Revolut app ) and the Revolut debit card number.
Consumer complaint received 2018-07-26
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: EQUIFAX, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, Equifax, XXXX ) XXXX Account # XXXX ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, ( XXXX, Equifax ) ( XXXX, XXXX ) XXXX XXXX Co Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX Account # XXXX
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (LA)

I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid 5 days in advance. 

However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. 

On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
Consumer complaint received 2023-01-19
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. (CA)

This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (FL)

good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I rented an income restricted apartment and lived out the full lease term with no monies owed except a lost pool key. The pool key was {$25.00}. I advised of my departure in writing but signed for another term granted I could find employment or continue with my unemployment benefits. I was not able to do either, so the lease was not fulfilled because I would then have no way to pay for it. I spoke with the front office the day I moved to make sure no issues were left unsettled except for the payment of the pool key. Months later I started getting calls stating that I owed {$1900.00} for terminating my new lease. I have spoken to the debt collector and to the apartment management on numerous occasions. There was a new management company that had taken over all the accounts for the apartment. I spoke with an employee who happens to be the same employee that I signed the new lease with. She stated that there was a glitch in the system that should have canceled out the new lease since I had no way to pay for the new apartment. So the management acknowledges that this debt is not valid. The debt collector states that I need to have the apartment call them to cancel the debt since they are the ones who reported it. I have disputed this debt numerous times with the credit bureau. The dispute results keeps coming back that the apartment shows it as a valid debt. Ive been dealing with this since 2016. Please help.
Consumer complaint received 2023-01-19
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (AL)

I took out a loan with this company back in XXXX, XXXX. For the amount of {$2000.00}. The company deposited {$500.00} into my account and kept {$1500.00} in their savings account. I was told I would have access to this money, once I paid off the rest of the loan in full. I paid off the remaining part of the loan on XX/XX/XXXX. When I paid it off, I was told I would not have access to the savings until the payment was processed. The payment was processed two days later ( XX/XX/XXXX ). From this day after, I have tried to withdraw my money, however within 24 hours. The money is always returned to the Seedfi saving account. I have reached out the company multiple times. They told me to wait a week for their system to update, then I will be able to withdraw the money. I have waited a week and my withdrawal is still not working. The money is still being deposited back into my account. I think the company is trying to keep my money, in order for me to take out another loan with them.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Good evening, my name is XXXX XXXX and I'm filing this complaint because this the 3rd time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau have not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer is being violated, Im the Victim in this situation and I can't even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

Billed for XXXX XXXX {$160.00} because I booked a room with XXXX XXXX XXXX but there was no proper disclosures until upon arrival so the hotel canceled and returned the money to the 3rd party company XXXX 3rd party booking , so I filed a dispute with PayPal and instead of then returning my money, they erased the entire transaction and kept my money now they keep forwarding me to netspend and other companies. I was asked what the transaction ID was I only have the booking number to the room concerning the transaction that I did not stay in upon arrival. Now no one at paypal not even me knows what happened to my money.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

XX/XX/2021 This is a total nightmare and I am not all HAPPY WITH HOW COMPANIES OR THIRD PARTIES ARE HANDLING MATTERS WHEN THERE IS A LAW IN PLACE ABOUT MEDICAL DEBT. 

1. I constantly review my credit report now and from day to day something is ALWAYS changing I received mail a few years back saying my information had been compromised by a hack source with XXXX  and XXXX  ... so I was part of the civil suit that resulted in compensation.

2. I do not used my credit and when I am alarmed that something has changed I do my best to respond. But when I am not properly informed and have to spend countless hours to constantly fix or contact an agency about debt, collections or proof of a burden that the companies fail to respond, prepare, or observe the facts before sending out mail relying on consumers incompetency hoping to collect on a debt this is where I DRAW THE LINE. The evidence needs to be proven instead of this monopoly game of non compliance and reactions. 
I DEMAND PROOF not bills, incorrect information misspelled names, skip tracer information that is not reliable, relevant, or giving consent, release form of HIPPA. This constant back and fourth of an up hill battle is CRAZY. 
3. Credit Collection Service of Norwood , MA has several accounts that are tied to two different names XXXX XXXX  without a S and XXXX XXXX with a S both could be anybody .... the burden of proof is on the companys not the hardship of the consumer. This is ridiculous I sent a letter of validation to CCS on XX/XX/2021 certified XXXX and received a Health Insurance Claim Form XX/XX/2021 with no signature of my handwriting, or the physicians this form has a signature but it is not the physician XXXX XXXX XXXX signature. I went to his office on today and presented this paper that I received. I DEMAND THIS COLLECTION TO BE DELETED IMMEDIATELY DUE TO VIOLATIONS OF THE HIPPA LAW NO CONSENT RELEASE FORM OF MEDICAL RECORDS. There is no itemize records for me to verify procedures or a bill that I received of request of payment. Just a mess!!! 
Next steps are seeking an attorney of punitive damages and unnecessary stress this causing a major headache. 
XXXX XXXX XXXX
Consumer complaint received 2018-07-26
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: EQUIFAX, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX   XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX  : XXXX.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MO)

When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last month and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. My husband and I both opened our own accounts and should have got XXXX miles total. Barclays just called him today and said they were giving him the extra XXXX miles they promised. See attached photos.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The XXXX account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. XXXX has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.