davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting act 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 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 2021-07-20
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: SYNCHRONY FINANCIAL (CA)

XXXX  reports Amazon/synchrony accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a XXXX fico point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS. 
THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP XXXX FICO POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sterling Credit Corp. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this STERLING CRD was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

Synchrony bank XXXX Furniture store Account opened on XX/XX/XXXX by merchant without providing full disclosure of terms and conditions Gave misleading information about furniture financing Order was canceled Calling bank since XX/XX/XXXX to report the account Filed a dispute on XX/XX/XXXX Bank replied- pls work with your merchant for a solution Merchant submitted forged documents refused to give a refund
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX XXXX XXXX continues to misreport to multiple credit agencies affecting my ability to take out and secure other loans, home rental leases and is creating barriers financially for me which is now causing me mental anguish and Fatigue from trying to mediate with them directly. Theyve kept me on hold for very long amounts of time, circled and repeated the same information when I tried to complain to them. Theres no way to work with them and my account is paid IN FULL AND THEY HAVE ME REPORTED AS BAD DEBT. I am a full time healthcare worker, I dont have time to go back and forth, this is tedious and is really affecting my way of life.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

I filed for PSLF and they are still charging me fees while the process is going through with the department of Education. 
I received a letter from Nelnet that my account would be transferred to XXXX. And yet they are still charging me fees on my account along with reporting wrong information about past payment history. Since XXXX took over the ownership of my accounts from XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Mortgage Inc. (MD)

On XXXX XXXX at XXXX XXXX was paid to Essex Mortgage whose located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The money was withdrawn on XXXX XXXX by Essex mortgage. we spoke to XXXX who is representative of Essex in XXXX Fl and she stated the money was deposited but it was withdrawn after being deposited which confused her. Even after submitting proof from XXXX XXXX XXXX Essex Mortgage still claims we owe that money, but can't explain why no one can find the {$8200.00} that was paid. Our mortgage is {$2100.00} on XX/XX/XXXX they took out XXXX which is an extra {$450.00} that was taken out i spoke with XXXX on XX/XX/2021 in regards as to why the extra was taken out she could not give me a reason, she asked did I want the money sent back to me or have it go towards my next mortgage I told her put it towards my next mortgage which means instead of {$2100.00} being taken out they would only have to take {$1600.00} since they already had XXXX extra I spoke to XXXX in customer service in regards to receiving a confirmation email on the transaction I have not received anything. They are taking out extra money putting our account in the negative and refusing to reimburse the money or find where the {$8200.00}.
Consumer complaint received 2022-09-18
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. (OH)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was looking for a rent using XXXX  and I liked a house I like, the landlord or scammer contacted me and because the house was 4 hours away from my current rent I signed up the lease and all the process online. I transferred him through XXXX {$3600.00} in differents transactions like {$75.00}, {$1300.00}, {$1000.00}, and {$1300.00}. He called me and say sorry someone else rented and he has another rent available for me but I claimed him my money back and he hanged me up, when I tried to call him back the phone says it was disconnected. His phone number is XXXX. 
I filled out a complaint with my back Wells Fargo and I didnt get any answer.
Consumer complaint received 2021-03-11
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: HYUNDAI CAPITAL AMERICA (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX ... KIA MOTORS FINANCE XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (AZ)

This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when XXXX Texas XXXXXXXX XXXX XXXX  years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$140.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.
Consumer complaint received 2020-11-11
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. (NY)

I am a victim of identity theft. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AZ)

Citi Cards Amount of {$54.00} Vendor : XXXX Date charged : XX/XX/21 I disputed the charge, which was on autopay, for monthly amount of {$54.00}, for internet service as I had cancelled service beginning on XX/XX/XXXX ( if I recall ). I called the customer care line XXXX  offers, spoke to a very friendly lady, and set up a disconnect request as I was moving out of state. I know the XXXX  does advance billing, meaning they bill you the month before the service you're being charged for. In this case, there was no advance billing needed or required for XXXX, so this charge in XXXX is invalid. I understand a lot of customer contracts can have varied terms, some of which are unconscionable in my view ( a termination or break fee = to monthly rate being one example ). I explained all of this to Citi, I told them I spoke via PHONE to customer service, and they denied this charge-back saying they did not receive a " valid proof of cancellation. '' I'm sorry, did they expect me to record my call with customer service? And send that to them how? And pretty sure it's illegal in CA anyhow to do that. So what valid proof do they want? Ridiculous and I should've been credited just out of being a longstanding customer always paying in full on time every month for years ...
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (UT)

XXXX is reporting inaccurate lates on my credit file. The lates were for XX/XX/20, XX/XX/20, XX/XX/20. On various occasions i have tried to set up automated payments through the online systems and although the system tells me it has been set up it still hasn't been! I never received a call, letter, or notice about the delinquency so i assumed everything was set up fine and later i notice late notations and that's when i go in to my account and see the payment wasn't automatically drafted as i had set it up to be. I need these lates removed, i was not late.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (IN)

I am submitting this complaint because I am being extremely affected by a late payment reported on my BARCLAYS BANK DELAWARE account. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
By the end of XXXX, I Had travelled to TX after renting car to see my wife during Covid. I was stuck there since my wife fell XXXX Later I tried a few times to make payments but would be on hold forever and I had limited internet access and didnt have access to mail. 

I got a {$10.00} charge, a {$30.00} late fee, and a 30 days late payment for XXXX on my report. 

I want to express that beside the XXXX  situation, I have suffered a big impact in my credit score and I have lived one of the worst periods of my life. 
since this was a situation that I could not control. It was my wife XXXX, the limited internet access and the emotional stress that I was going through that stopped me from making my payment, not a hardship or even worse, that I didn't want to pay. 
I requesting the late payment removed the following account : Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Opened Date : XX/XX/2015 High Balance : {$1200.00} Balance {$42.00} Please sed the attached proof of car rental. 

Thank you.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-20
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: DISCOVER BANK (PA)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. DISCOVER HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST DISCOVER, STATE ATTORNEY GENERAL, AND XXXX.
Consumer complaint received 2022-09-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (IN)

I talked to a representative two weeks ago and set up a payment plan to pay my debt. I told the representative what days to charge my account and since she failed to charge my account on one of the days we arranged called from her personal cell phone number saying that she was going to mess up my credit. 

The collection is not only listed as open but also as having a past due balance of {$970.00} dollars. This is a violation of FCRA requirements and in violation of XXXX XXXX Compliant reporting standards. According to the FCRA I have the right to a completely accurate report and if its not accurate then I am in my rights to have it completely removed and discharged from being liable for any debt thereof. 

Please remove this account and send me an updated report showing compliance with XXXX reporting standards and this account removed under completion.
Consumer complaint received 2022-09-18
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  Account # XXXX and # XXXX and # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-09-18
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-09-18
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)

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (FL)

In late XXXX XXXX i commenced a dispute of the contract between me and Exeter finance LLC Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. Exeter is also refusing to amend the report after several request
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX XXXX XXXX XXXX sent a refund payment to Paypal. On XX/XX/XXXX paypal sent me an email saying that I have money in my paypal account. The amount should be around XXXX, neither organization has specified amount. I've tried to contact them to no avail. My account was closed when I notified them that a transaction was fraudulent after getting an email that a purchase had been made on my account. I contacted them to let them know and they said that the email must have been a scam, then my bank contacted me and I let them know that the transaction was fraudulent. Paypal then deactivated my account and I told them to close it. I have no access to this account now and can not reach them by phone. I've tried the resolution center but it just sends me over to activating an account and adding credit card information. I don't want to add credit card information, I want the money that was sent to them as a refund to me. 
They sent me a 2020 statement, I checked XXXX and XXXX and there was no money for either month. The money was sent to them on XX/XX/XXXX and they acknowledged on XX/XX/XXXX.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (MS)

On XXXX - XXXX i saw a lot of pre approvals on credit karma telling me that i was pre approved for credit cards and personal loans and that i can refinance my car. everyday i login, to check my credit report, so after a few months i was told that i was pre approved i thought i was in the perfect place to apply i got so many offers i started telling my family about vacations we was going use these pre approvals for so i finally applied sometime around XXXX i was upset that i was denied i felt bad because they told me i was pre approved this way a lie.