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: 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. (VA)

Hello, I have sent multiple dispute letters to Equifax to dispute a XXXX XXXX credit card account that is showing on my credit report. This is not my account. I have even tried contacting XXXXXXXX XXXX to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called Equifax to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call Equifax for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor Equifax. 

I can be reached at XXXX or by email XXXX Thank you!
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

My PayPal XXXX XXXX account attached an insurance company to my account which is another division of their company called XXXX. XXXX charged me {$3300.00} by attaching small amounts onto my amount due each month without disclosing the additional amount on my online statements or explaining that this was not my amount owed from purchases. I continually payed my payments and kept calling for a year to get an answer of why my payments were not subtracted correctly from my balance. Finally after a year of calling amount the discrepancies, the customer care agents informed me that the amounts never matched of amount owed to my payments, because it was going to another division of their company called XXXX, which is an insurance used to pay off credit card in case of unemployment. I never gave this insurance company called XXXX permission to charge my account. Had I know about this insurance I would have used it in XX/XX/2020 when I had an accident and had a fractured leg, which caused me to be out of work for 5 months. I did not use the insurance because I never knew it existed until after that period of time. After multiple more inquiries and complaint processes they told me how to finally cancel the insurance policy to stop these charges. This information was finally given to me after a year of disputes. I followed their instruction XXXX to cancel the policy and stop the charges from occurring. I was given a refund of only a partial amount of {$870.00}. Since then they have opened several more cases to resolve the issue and even gave me another letter stating I would receive more of a refund only to then be told that the letter was sent in error. I never gave this insurance company, XXXX a division of Paypal XXXX XXXX to change my card and hide the charges while fraudulently opening an insurance policy in my name without my permission. I would like a full refund of {$2400.00} which is calculated from the full amount charged without permission of {$3300.00} minus the partial refund of {$870.00} given.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (TX)

XXXX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX Regarding : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX To Whom it may concern, I have sent you a written request to validate a debt collection by XXXX XXXX XXXX, XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and they are obliged to provide me with relevant documentation. XXXX never or can they validate the debt. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. Therefore, XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ). 

Please take steps to remove any negative marking on my credit report that would adversely affect my credit. 

Thank you for your attention to this matter! 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (ME)

Jefferson capital has been on my credit report for years for the balance of {$310.00}. Ive tried disputing it multiple times and I just get its been verified. Ive not once received a letter, a phone call, or anything proving to me that I own this debt and I have no recollection of acquiring this debt.
Consumer complaint received 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

The property location was XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. 
The oustanding loan balance was approximately {>= $1,000,000}. 
My investment in the property was approximately {>= $1,000,000}. 
I attempted a loan modification for approximately two years. 
The loan mod people at WF were grossly incompetent. 
Meanwhile, WF double tracked me, which is illegal. 
WF foreclosed in summer of 2013. 
I lost approximately {>= $1,000,000}.
Consumer complaint received 2022-12-24
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. (KY)

My mortgage account is currently showing 180 days delinquent/past due on XXXX and Equifax, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the CARES Act, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Received {$20000.00} deposit in XX/XX/2021 withdrew {$14000.00} for bills owed and the next day my account was closed leaving what should be {$6000.00} chime said they would send the balance I got a check for {$300.00}!! Said the money went towards credit card charges I find this hard to believe since the credit builder card is prepaid!!! I plan to take legal action I am not the first nor will I be the last chime bandits!!
Consumer complaint received 2022-08-03
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)

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people.

These are clear violations of my federally protected consumer rights.
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. (NY)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX 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 XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

XXXX  bill pay takes my payments out my account to send to ally financial bank on my auto loan that is paid monthly well when they sent my payment electronically they were provided a confirmation number which means they received it but never posted it to my account now it shows past due and ally financial keeps giving me the run around and something needs to be done because they did receive the payment but they keep on giving me the run around and what they are doing is theft
Consumer complaint received 2022-10-24
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)

I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-24
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. (OH)

XXXX 's XXXX XXXX Credit Card was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a 1000 per violations and further damage to me financially.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (TX)

I have been trying to work with Equifax over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.
Consumer complaint received 2022-08-03
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 XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2022-08-24
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

I filed a complaint with FCRA regarding wells Fargo and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

There was an unknown transaction in the amount of {$300.00} that took place around XX/XX/22 that funds were taken out of my account. I do not know who the receipient of the funds were and brought this to the attention to Discover Bank promptly that this was an unauthorized/fraud transaction that occured. I received a letter stating they would not be issuing a credit to my account to correct this fraud transaction.
Consumer complaint received 2022-10-24
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
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 — Account status incorrect
Company: EQUIFAX, INC. (MO)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

I attempted to make a balance transfer using a Wells Fargo transfer check attached to my credit card account. Although the debited my account the the {$1200.00} dollars it was never credited to my intended XXXX card account. I have made 5 attempts by phone to rectify the problem with Wells Fargo, and one written correspondence with no results.
Consumer complaint received 2022-12-23
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. (IN)

By the fair credit reporting act, XXXX XXXX Account has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a customer reporting agency can not furnish an account without my written consent 15 USC Code s1681 A definition of rules of construction exclusion except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (MO)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.