davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I receive my Oklahoma Unemployment benefits on the Way 2 Go card. This is mandatory for all. You no longer have a choice to receive to your bank account or any other form. 

Complaint : 1. Took three weeks to receive my card. They apparently simply didnt send mine. Therefore I went without for a little minute because of the mistake. 

2. Paid {$15.00} for my card to be overnighted. Way 2 Go would say expedited but when receiving the card two days later I actually paid for overnight. Therefore they lied and this is now fraudulent since I paid for something I wasnt aware of nor did I receive. 

3. I paid and used my card for one day total before they decided to freeze my account and only pick and choose what was approved to be paid for. Which by the way was nothing. No atm withdrawls, no gas, no bills paid, no food for my family nothing. After one day total and after waiting almost a month to even get my benefits they decide to cut off my card. 

4. Fund transfers are not working. 

5. Set on hold for two hours 5 times with this company only to be hung up on when they decided this wasnt important enough for them to handle. 

6. Multiple fraudulent charges on my card now. Which I can not tell them about since they wont pick up the phone. Which by the way is also fraudulent since their rules for the card states anything fraudulent has to be called in within so many days and if not then they arent liable for 100 %. Only 50 %. So just by them not answering the XXXX phone they dont have to come my fraudulent charges!? 

7. I have set for two days trying to get this handled and they simply wont fix the card and take my calls on the fraudulent charges. So not only do I not get to use my own money because as of now they have taken it from me and wont let me touch it, they get to not comply with a nationwide order on fraudulent charges and they are stealing a government benefit?! 

Im contacting a lawyer by end of day today. Oklahoma is about to be on the map since they cant seem to figure out how to help people after they let some random company who apparently has been doing this for a few years steal their tax payers money. By the way calling the unemployment office does nothing, they tell you they can not help you. Period. End of discussion. 

Im going viral. Im going National. And Im not stopping until this is fixed and Im compensated.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement a payment made by obligor or a credit issued to the obligor
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2018-06-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Westpark Equity Group, Inc. (CA)

1 ) We were never given our rate until it was too late for us to back out of the deal and lose our earnest money - and we feel the rate is outside of industry norms given our credit profile, income, property, etc ... ; 2 ) We were never given a Final Closing Disclosure as required by Federal Law 3 days prior to closing ; 3 ) When we DID receive a Final Closing Disclosure at closing, our loan officer asked us several times to back date it ( which would have been a commission of loan fraud ) and only stopped pushing us to do that when we insisted that he no longer ask us to commit loan fraud and signed and dated the CD after closing ( with the actual time and date that we received it ) ; 4 ) When we got to closing our costs to close were $ 30K more than we were expecting or had liquid - and we had to choose between scraping for cash and losing our {$28000.00} earnest money deposit ; 5 ) When we brought these concerns to our loan officer via phone during our closing we were told there was nothing that he or Westpark could do to assist us and we were left choosing between losing our {$28000.00} earnest money deposit or signing the documents. 

There are a litany of other irritations we had with the process - but the major concerns are addressed above. 

Important Dates / Amounts Actions : My first call to Westpark - XX/XX/2018 - Sent them our documents for review. 
File Submitted to Underwriting - XX/XX/2018 Close of Escrow - XX/XX/2018 at XXXX XXXX - XXXX XXXX XXXX - XX/XX/2018 Purchase Price : {$920000.00} Loan Amount : {$740000.00} Interest Rate : 6.625 % Down Payment : {$180000.00} ( 20 % )
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I spoke to XXXX ext. XXXX from Discover student loans. He advised me, that given my situation, if I enrolled into course on a part-time basis in the Fall ( XXXX ), then my past due payment would automatically would become current. He advised that once I sent in the deferment form along with a school registration receipt, then Discover would process my account as current with no negative credit reporting. I faxed the forms he needed two business days later, Tuesday. I then spoke to Discover that following Saturday and was told by a supervisor by the name of XXXX in XXXX XXXX XXXX, Utah, that XXXX was completely wrong and that my account was going to be reported 60 days past due, even if I was enrolled in courses for the Fall. She said she has also reviewed the call that I had with XXXX and that XXXX never said my account would become current. She also said that there was no policy on Discover placing my account current due to being enrolled in classes. Not only did this representative lie to me but she only made the effort to collect the past due payment without regard to my enrollment status. She completely lied about the details she " heard '' in the conversation I had with XXXX and she made this clear that she said I was lieing. I ask that the CFPB review all of these calls and not only have Discover fix late credit reporting but also send me their policy on deferments.
Consumer complaint received 2021-04-23
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. (CA)

There are 4 accts on credit report that are not mine and only Experian and XXXX  are reporting this. I have sent them an affidavit I have mailed them a ftc and filed for Identity theft and this has been for two years and nothing is moving nothing is being done I need to know whats going on this is affecting my credit and I should not be responsible for someone elses cards and someone elses theft. Please help. 

XXXX XXXX - Acct # XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} XXXX - Acct # XXXXAmt {$330.00} XXXX XXXX XXXX acct # XXXXAmt {$500.00}
Consumer complaint received 2021-03-01
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: Self Financial Inc. (WA)

I would love to send dates and times of transactions but the company SELF LENDER has not allowed me access. They are a financial company that helps build credit through various way. I advanced to XXXX XXXX of obtaining a secured XXXX XXXX of XXXX XXXX Somehow my card was allowed XXXX plus dollars to be charged. I did not agree to these terms. the card is secured with a XXXX XXXX. this brings up several problems. I have contacted them over XXXX times. they make it extremely difficult. they are not open on weekend and overall shady practices. they have not resolved my issues and it is ridiculous. For XXXX XXXX to be a company who is in business to help people rebuild there credit it hurts even more. During a pandemic. BEYOND A NIGHTMARE
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this is my XXXX CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX XXXX and Transunion and they still have not been updated or removed. 

Transunion is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX XXXX and Transunion.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX  et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

My name is XXXX XXXX and I am a PayPal user with email address XXXX I received a payment from my limousine partners in XXXX and XXXX decided to freeze my account informing me that I will be able to withdraw my funds after XXXX  days. 

Since then I have faced issues of not able to log into my PayPal account. 

PayPal XXXX office email me informing me that I will be able to withdraw my funds on or before XX/XX/2021. 

But I tried logging into my PayPal account with my correct details and it keeps saying " your info isn't correct or some info are missing ''. I then decided to change my password and it keeps saying the same thing. 

Since I have not been able to log into my PayPal account, I am believing that PayPal itself as a company has taken my funds and blocked me from logging into my PayPal account. I have read cases where PayPal take people 's funds to themselves unauthorized. 

I need explanation with this and assurance that PayPal will not steal my funds. 

I want to be able to access my account and withdraw my funds. 

I would like someone at PayPal to reach out to me. 

My reference number where my funds was held for XXXX days is XXXX I will be ready to take PayPal to court for damages if my funds isn't released.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I had a XXXX credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX  XXXX XXXX checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the 3 main credit bureaus ( experience, XXXX, XXXX ) and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX, came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the AVANT themselves, and they promise to fix the problem with the 3 credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the 3 credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX  email ( attached ). 
after I called Experian again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form Experian stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all ( that it has been paid in full and that I myself closed the account and the account was never been discharged. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

On XX/XX/XXXX I applied for a mortgage preapproval. 
On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. 
This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. 
I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. 
XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. 
After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. 
After several tries, I was able to connect with XXXX XXXX at XXXX XXXX XXXX who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at XXXX XXXX XXXX Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. 
My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. 

I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at XXXX Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

On XXXX, I have received denial letter dated XXXX from PenFed Credit Union for personal loan application number XXXX. I have NOT applied for personal loan with PenFed Credit Union. The letter had credit score listed, which means they pulled my credit report without my consent and it most likely affected it. Furthermore, I do have credit freeze alert on with all three reporting agencies, so no one should be able to pull my credit without calling me first. I called PenFed Credit Union on XXXX and after being on hold for 21 minutes, I got through to their rep, explained to her why I was calling and she hung up right away. It appears to be legitimate financial institution, however this experience seems shady and illegal.
Consumer complaint received 2021-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (CA)

This Company placed a Fraudulent account on my Credit & I have never dealt with or had any contact, did not open an account or owe Any money to. I received an alert from XXXX on XX/XX/XXXX that an account was opened in XX/XX/XXXX & I owed {$670.00}. These people then attempted to Call my Job on Several Occasions, they have been Told to immediately cease contacting me, my job & REMOVE this False information off my credit report. After looking at an old complaint & account that was previously removed from my report, it appears the Acct numbers used are the Same & this Company under a DIFFERENT name now is Attempting to place a false account on my credit & attempt to commit fraud my trying to get money from me, but now under a different Company name. I have filed disputes with all 3 Credit bureaus about this & also filed complaints with XXXX against them.