davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2022-10-11
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 Balance : {$12000.00}
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Paypal Credit/Synchrony Bank makes offers of 0 % APR for purchases over {$99.00} if paid-off in 6 months and 0 % APR for purchases over {$600.00} on XXXX if paid-off in 24 months, the latter by invite received via Email. I currently have one ( 1 ) of the 24-month deals active and four ( 4 ) of the 6-month deals active. 
I pay my monthly payment expecting each deal to be paid so that the balances will be paid-off when the time period expires, i.e., the 24-month deal should be paid 1/24th of the original purchase amount, and each 6-month deal should be paid 1/6th of the original purchase amount. In total, I am paying that amount. 
Instead, my payment is applied entirely to the 24-month deal and nothing is applied to any of the 6-month deals. Such action will retire the 24-month deal far in advance of its expected end date, leaving me liable for all the accrued finance charges on the 6-month deals when they aren't paid-off at the end of 6 months. 
I discussed with Customer Service and my XX/XX/2019 payment was reallocated as I dictated to them, but now my XX/XX/2019 payment has again been applied in its entirety to the 24-month deal.
Consumer complaint received 2022-10-11
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. (WI)

My equifax score dropped from XXXX to XXXX for NO reason, all my bills are paid on time, nothing derogatory, I asserted that because of fraud there were accounts opened in my name, I provided the police reports and my score dropped
Consumer complaint received 2022-10-11
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)

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, 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 XXXX 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 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated again.
Consumer complaint received 2021-08-18
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. (PA)

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (IN)

XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (IL)

I have two ACH transfers with Discover Bank pulling from an external checking account at XXXX XXXX, involving {$2300.00} initiated XX/XX/2022, that would not be available until XX/XX/2022. and {$6000.00} initiated XX/XX/2022 that would not be available until XX/XX/2022. This over XXXX XXXX XXXX to clear funds that I already own is absolutely unacceptable, and Discover phone customer support insisted that it was the ACH system that held funds to ensure the source account could verify. Apparently there is nothing Discover Bank or XXXX XXXX that could expedite the process or even provide me with an alternative form of transfer that wouldn't cost me additional money ( e.g. wire transfer ). This amount of money is non-trivial to me and was necessary to pay bills, a mortgage, and a car payment. Not only will those payments now be late, but I will be charged extra interest on my credit cards and may even suffer on my XXXX XXXX due to this amount of money being withheld this long without my express permission and intention. 
The United States and its banking system needs to step up to the demands of the 21st century and streamline and update the ACH processing system and dismantle these anti-consumer barriers to accessing our own money. 
The attached screenshot shows the funds already withdrawn from the source account at XXXXXXXX XXXX.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (MD)

SOFI is reporting my credit limit as the balance amount.

My credit limit is {$7500.00}.

My balance was {$2700.00} SOFI is reporting the credit limit as {$2700.00}
Consumer complaint received 2022-08-10
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. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-11
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. (TX)

The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I applied for XXXX XXXX XXXX ( XXXX ) and got approved on XXXX and I received my award letter with forward payments on XX/XX/XXXX. I emailed the award letter with a 3rd party authorization to my mortgage bank ( US Bank ) to be posted to my account and that they can be aware of what I was approved for. I called next day XX/XX/XXXX to make sure that the award letter was received and also letting them know that I applied for government assistant for my mortgage payments but they had no idea what I was talking about the first person I spoke she had to XXXX who has HAF she was no help. I have been calling every other day to get information of posted payments but they still have no idea who XXXX is, they dont have any notes about me talking about the program. They transfer me department to department, they told me to call the HAF program for guidance but XXXX doesn't have any answers regarding on checks or payments. I had to sold my car in order to make my mortgage payment and now I also have late fees even though payments have been approved for me since XXXX. I just need answers, please!!!! Is gon na be a month in a couple of days since I got my award letter and nobody is willing to help or do their due diligence. 
please see attached the award letter with the forwarding payment info. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-19
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. (MI)

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX  Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX which are XXXX for XXXX $ and XXXX which is for XXXX $
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IA)

My mortgage was transferred to Rightpath mortgage company in XXXX XXXX. When I make my payment, Rightpath will not allow me to make additional payments to principal. The reasoning they are giving me is that back in XXXX I had some fees applied to my mortgage as my mortgage went into foreclosure which I have not missed a payment once I brought the account out of foreclosure status. ( approx 10 years ago ) What they are telling me is that I need to pay those fees 1st before they will allow the additional payments to principal, that they go by a " hierarchy '' when applying payments. I have been applying additional payments to principal for years. No other servicer has denied this in the past and I believe I have had 4 different servicers at this point. They are changing the terms of my contract and I believe they are doing this illegally. I have called several times to get this resolved to no avail. I would like a resolution to this matter not only for myself but for anyone else dealing with what I believe is a fraudulent practice by RightPath.
Consumer complaint received 2022-10-11
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 is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (VA)

When I opened Paypal years ago, I used it to buy things on ebay and what not. Friends would send money and I to them. The problem occurred in XXXX, 2020 when they closed my account and limited it permanently. They stated they were going to hold my money for 180 days. In fact, every account, including a club account that I opened for the treasurer as she didn't know how, they closed that. 

The problem is that I checked today, XX/XX/XXXX, and it states they transferred the account balances ( over 1K ) to their own accounts. I was told at 180 days they would release the funds to transfer out. This never occurred. They stole the money. I have read multiple people this has occurred with which are friends on XXXX. They never got their money back. I am sick of the tactics Paypal is using to steal people 's money based on some stupid acceptable uses. The only use you can do with Paypal based on their terms is buy using Paypal. I have a business account and I can't even access that account.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: South Mississippi Collection Services Inc. (UT)

I found out about an alleged debt through my credit report, but there was never any written communication or phone call from XXXX XXXX XXXX ( original creditor ) notifying me that something was pending or from South Ms Collection. Even though the amount is small and wanting to clear my history, I paid that supposed {$14.00} debt almost 1 month ago. To date, XXXX XXXX XXXX has not deleted the amount from my history. I was the one who sought to contact both the original creditor and the collection. What I require is that the debt be erased from my history once and for all.
Consumer complaint received 2022-10-11
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: Exeter Finance, LLC. (FL)

Delete Late payments from Exeter Finance from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states .

( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards XXXX XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

XXXX has once again filed a false claim for the fifth time for a a debt that is not owed. This same claim has been on going for 7 years. Each time I demonstrate that it is not owed and their fraudulent invoice is exposed and returned by a collection agency, they re- file it with a new company, after the last collection agency drops it. 

It should be noted that this false claim has been dropped four other times and the behavior by XXXX has become criminal, as they have no legitimate purpose to keep filing this claim which amounts to stalking. 

I have attached the letter from the last collection company that dropped the debt. There are three more companies that dropped the debt, after review, but the last one should provide all the information needed.
Consumer complaint received 2022-04-15
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. (ND)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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.