davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (FL)

First, I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

Good morning, I have been trying to resolve this matter in an amicable manner but so far it has not worked. I placed an order with XXXX XXXX SC in XXXX for a dining table and 6 chairs and financed it through Affirm. The started taking my payments right away, which I had no problem with because I have financed other items through them and never had an issue. The problem here is that XXXX has yet to deliver my order ; they were extremely friendly and always had all sorts of explanations. After a while their explanations/excuses did not make sense and I was stil making payments and did not have the items I was paying for. I asked Affirm to cancel my transaction and they said they could not until XXXX cancelled it first. And herein lies my issue, XXXX has not responded to my emails and phone calls for over two months. I even filed a complaint with the XXXX  and they did not respond to them as well. Affirm will not reimburse my money until XXXX confirms the cancelation and in the meantime I am still making payments because if I stop my credit will be affected. How is this fair? I will be eternally grateful if Affirm can understand that not all the companies they contract with are transparent on their dealings. I really would like to get my money refunded. Thank you so much!
Consumer complaint received 2022-09-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (FL)

In short, a dispute was filed that charged back a car insurance merchant. I resolved the issue and closed the dispute. Credit Karma took the money back from this merchant, and also put a judgement against my banking account. This is double dipping, taking the funds from the merchant, aswell as the Bank account holder. I was promised over 20 days ago, a Check would be mailed out for {$130.00} as I was owed. However, this was a manipulation game being played by Credit Karma, I was informed the money was kept instead of the check being mailed out, to pay a debt I owed them. However, I was never given an opportunity to pay any such debt. Clearly this is a ruse so they did not have to pay me what they owed me. This needs to be investigated promptly!
Consumer complaint received 2022-09-30
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$8600.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NH)

I paid off my vehicle loan in full with westlake financial services. This payment was received by them on XX/XX/2022. I was told there was a 45 day reporting period for this to be reflected on my credit report, on day 49 it was not reflected. I called the company and they are now claiming 90 days to report. This is on top of a previous illegal repossession and illegal interest rate.
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Financial LLC (MO)

I was drawn into this payday loan because at the time I was desperate for money and with bad credit I couldn't find any lender to loan me any money. Due to my desperation and how quickly the process of the loan went, it wasnt no time I signed the papers not even thinking about what I was really getting myself into, especially since they fail to explain the details to you, instead they leave it open and up to you by asking if you have any further questions. I signed the papers it took less then 15 mins and it wasnt until I signed and received the agreement that I realized that I would be paying almost 7x the amount I borrowed. In other words I've been paying {$240.00} a month since XXXX, I only borrowed {$400.00} and still presently ( XXXX ) my pay off amount is {$460.00} because the interest rate is so ridiculously high. I owe more then I borrowed to pay the loan off even after paying {$240.00} for the past 8 months. I am submitting this complaint because I want to make as many people as I can aware of how easily you can get yourself caught up in this type of financial burden, and how wrong it is to do this to someone struggling as a single mom who's worked hard to get out of a financial debt. Not only is this wrong it also doesnt get reported to the credit bureau XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WI)

Pay Pal sent email invoice for {$600.00}. I do not have Paypal XXXX # XXXX. 
Invoice Date : XX/XX/2022. 
Due Date : XX/XX/2022 Their support # XXXX. 
No Account # for me. 
No info as to what I was to have purcha : XXXX. 

Sender 's email address : " I '' in a circle. Invoice XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (IL)

During the covid pandemic, I was told by my mortgage company ( Flagstar bank ) that I would be getting a forbearance on my loan, which I did not request. When it came time to start payments, I spoke to a representative at the bank who told me that the payments missed would be added to the end of my loan, without interest. As I have been trying to refinance my loan, I am now being told that I owe almost {$30000.00} for " missed '' payments. So while I paid {$220000.00} for my home in 2017, they are now telling me I owe {$230000.00}. How can I owe more than I paid for the home??? I called, emailed and asked numerous times for some to explain this to me and they keep saying they will reach back out. Another company, XXXX XXXX is now servicing my loan, so I am assuming they paid off the $ XXXX but again, how could I owe more than I paid for the home after making payments for 7 years?
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

There was a an improper debt reported to my Credit report. XXXX XXXX XXXX  incorrectly charged me for service day after I scheduled shut off for XX/XX/XXXX. They did not close my account until XX/XX/XXXX. Therefore I was charged {$100.00} incorrectly. I spoke to XXXX XX/XX/XXXX at XXXX at XXXXXXXX XXXX XXXX. She explained to me the error on their part and they credited me {$50.00}. XXXX said they would remove the collection under I.C. Systems from my credit report with a payment of {$52.00}. I submitted that payment immediately in order to clear this matter up and get it removed from my report. She said it will take 4-6 weeks to remove from my credit report. 

This is unacceptable. I took care of the payment immediately because of their improper billing, therefore this collection account under I.C. Systems for the amount of {$100.00} should be removed immediately.
Consumer complaint received 2022-12-26
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. (AL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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. (FL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$40000.00}
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (NV)

Re : Account Number XXXX To Whom It May Concern, This is with regard to the referenced account number. In Fall 2020 I experience a financial hardship due to pandemic with layoff and additional economic impact to part-time business. I have never had negative information on my report prior to the COVID19 pandemic, but, unfortunately, I was unable to pay my bill for due to being out of work.
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-26
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (VA)

Debtor agreed to payment agreement accepted funds and.senr yo.treasury to take.offsets. agreed sent.in.XXXX however not given.full.credits.for funds sent and sent to Transworld Systems Inc to date offsets being taken from social security and retirement. Benefit
Consumer complaint received 2022-12-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is violating my consumer right to privacy pursuant to 15 USC 1681b 2 XXXX XXXX XXXX XXXX has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I demand they both delete this account off my account.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (KY)

Since I bought the car in XXXX of XXXX  I have had constant issues with them updating my credit report.. made numerous complaints.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was trying to keep up with payments and to work out any means possible.. they came on XXXX with no XXXX and repossessed the car.. says I am owing XXXX payments.. I was trying to make XXXX payments so they had a credit of XXXX also but does not credit that until other half is made.. was told one amount to get car back .. cgot extension and now they are telling me another amount {$2000.00} more.. I had an {$18000.00} loan and have been paying on it for over 6 years.. something is not right ..this is a very unethical conpany
Consumer complaint received 2023-01-25
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)

I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on Equifax 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a XXXX credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. XXXX XXXX XXXX Address Date of inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.
Consumer complaint received 2022-08-03
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. (FL)

Equifax has failed our client, XXXX XXXX on two levels, as a victim of identity theft. 

Since XX/XX/2022 we have submitted FIVE requests for them to add the Extended 7-year fraud alert and yet, they still only have a one year alert on her credit files. XXXX and XXXX added the alert in early XXXX. 

Also, we have submitted THREE disputes against a fraudulent inquiry ( XXXX XXXX XXXX ), and yet they continue to report this inquiry. Please note : XXXX has seen over and over again that Equifax is failing to remove any disputed inquiries by XXXX regardless of how many disputes are sent against them.
Consumer complaint received 2022-12-25
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: Certegy Holdings, LLC (CO)

Certegy said I bounced a check and owed money. I haven't bounced a check in over 30 years and my bank has an anti-bounce feature on my account in case I ever did make financial mistake. I called Certegy and disputed their claim. They sent me Dispute paperwork that asked for all sorts of very private information : social security number, bank account and routing number, etc. I showed this all to the Customer Service at my bank and they told me to ask for a copy of the check that Certegy said I bounced. I called Certegy and told them this and they said they would send the check. It never came but Certegy went on to send another letter demanding payment. I have attached complete documentation of all of this as it will make the matter perfectly clear. I see the Federal Trade Commission has numerous complaints against Certegy- I tried making my complaint there but it seemed their system wanted me to complain here. Please help. Thanks and best wishes, XXXX XXXX XXXX
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.
Consumer complaint received 2022-12-25
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681- XXXX XXXX XXXX Account XXXX... 
XXXX XXXX XXXX Account XXXX. 
XXXX XXXX XXXX XXXX- Account number- XXXX .... 
XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS 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 an 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 Another 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.

[ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) XXXX DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO EQUIFAX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT.

[ 15 U.S.C. 1681 ]