davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (MD)

Called to liquidate a CD on XX/XX/XXXX. Was told that funds would not be available for 3 to 4 days. 

Problem # 1 -- - they don't pay me interest for those days they are keeping my funds Received funds on XX/XX/XXXX- they placed it in a high yield savings account. When I attempted to transfer funds to a linked external account, I was informed that the amount exceeded transaction limits. I called customer service ( I swear there was a chicken crowing in the background ) and was informed that there was a {$25000.00} limit per transfer. Looking through their account agreement, there is only a limit of 6 transfers, and no amount limit. Rather than go through the hassle of arguing with someone with no authority, I just wanted to close the account. I was informed that the closure would take up to 4 business days and any funds transferred would take an additional 2 business days.

Problem # 2 -- - they are keeping my funds for 6 business days held in limbo without interest.

From CD liquidation to funds received at my external account, Synchrony Bank is keeping my funds, interest free, for 9 business days, not to mention the inconvenience or any other costly problems this has caused.
Consumer complaint received 2022-06-30
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. (MN)

This is the second time I am filling a complaint on CFPB. I am a victim of identity theft. The information listed on the FTC Identity Theft Report, which appears on my credit report, does not relate to any account ( s ) that I have made. It is the result of identity theft. 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. Here is the ID FRAUD ITEMS TO BE REMOVED. XXXX XXXX XXXX, Opened XX/XX/XXXX. {$520.00} XXXX balanXXXX 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 2022-06-08
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. (NY)

In regards to XXXX XXXX XXXX  - account ending XXXX - unable to get access to my account information therefore unable to provide full account number Have tried numerous times to get the debt validated with original contract from the creditor with no response. I asked then asked the credit bureaus to validate the debt. 

Inaccurate information being reported from this company. The account is paid in full. 

My rights are being violated.
Consumer complaint received 2022-06-30
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: MIDFIRST BANK (NV)

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Consumer complaint received 2022-06-30
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. (VA)

XXXX money Grubbing fancy title people Lying stopping bank. Four months of fighting you Remove this incorrect false account and stop your lying cheap sales talk. Nothing in your letter is true. I can open false accounts on your person? Feels good?
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2021, ,Continued Issues, ,Nothing Has Changed With Wells Fargo Bank , ,But I Spoke With XXXX XXXX, ,In Meditation on Monday,, XX/XX/2021, ,at. Wells Fargo Bank AtXXXX, ,There Are No Payments Sent At ALL, This Is So UnAcceptable Behavior, ,They Are Trying To Get Me To Settle For, ,A XXXX XXXX  Settlement Payment And Identity Protection,, I Do Not Agree With This At All,,, This Is Not Making Them Be Accountable For ( ALL ) The Old And New Messy Mishaps,,,, They
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NV)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-25
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

this is a follow up to a previous complaint ( CFPB ref # XXXX ) sent on XX/XX/XXXX against US bank for failure to replace the 2 x {$500.00} compromised visa prepaid cards purchased from XXXX on XX/XX/XXXX. 

US bank responded saying they tried to contact me but couldnt reach me to request the information pertaining to the purchase and the gift card details. This case was then closed although they have not done anything to refund to replace the card to date.. 

I sent the requested information to US Bank on XX/XX/XXXX and have been following up several times for the replacement cards but they have no updates to provide other than a case has been opened. Its been already 1 month and still there is zero information on when my cards will be replaced. 

i really hope CFPB can help get my money back or the cards replaced. 

thanks!
Consumer complaint received 2022-06-30
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 accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX BANK SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-06-08
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 sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AR)

I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
Consumer complaint received 2023-04-04
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

My family and I were supposed to take a trip the summer of XXXX and due to covid the trip was canceled. We purchased flights from a company called XXXX XXXX XXXX. This company agreed to refund us our money for the flights due to the circumstances and never did. We purchased the flights with our discover card. I have attempted to call XXXX XXXX multiple times since the event and have resulted with XXXX resolve. I then contacted Discover and let them know about the situation and they said they had no control over how they were refunding. We have yet to receive a refund and this occurred in the XXXX. I have since called discover and XXXX XXXX approximately every Friday since XX/XX/XXXX. The amount at hand is {$2900.00} U.S. dollars. 

Discover continues to tell us there is nothing they can do. I continue to argue that we used the credit card to guarantee us a security blanket in case of any issue.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I received a response from Synchrony Bank. However, the informs contained therein is incorrect. This again underscores the ineptitude of this company. I tried contacting XXXX XXXX as instructed on the reaponse. 

Surprise! The extension provided does not work and no one answers. 

This company is a joke.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I was trying to obtain a loan modification was the new loan servicer -- Selene Finance. They took over the service of the loan in XXXX of 2022. The prior servicer was XXXX. 

Selene Finance LP ATTN : Customer Service XXXX XXXX XXXX XXXX XXXX, PA XXXX I also have a trustee sale date on XX/XX/2022. So I have also requested information to eiher a reinstatement of a pay-off quote. The main issue I am having is their accouting. By my calculations, the alleged reinstatemt amount ( and all prior resinstatement letters ) appear to have miscalculations and are off by {$35000.00} to {$60000.00}! I have sent requests to clarify this alleged accounting errors, but I have not received a reply from Selene. 

And, the reply I received from XXXX made no sense. Below are some question I provided to Selene 's Customer Service Reseach department. If you follow the request for clarifications and the prior amounts allegedly due to the lender, you will see the problem I am having.
Consumer complaint received 2022-06-30
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: EQUIFAX, INC. (TX)

FRAUD/IDENTITY THEFT WHICH HAS ALREADY BEEN REPORTED. I do NOT recognize these inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-06-08
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. (AR)

All accounts that you have also the one hard inquire you have in your records They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Consumer complaint received 2022-07-28
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. (WV)

I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and XXXX ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. Equifax is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (DE)

I have been in touched with this company in regards to an apartment balance that is not owed. The company has not validated the debt and sent proof that's the debt is owed. The sent me a bill with the amount owed by them which means nothing. This debt needs to be removed off of my credit report and needs to be investigated. I was hung up on by several rep 's and was talked unprofessionally too.
Consumer complaint received 2022-06-30
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. (TX)

Company could NOT verify this account belongs to me. Two other credit reporting agencies REMOVED this account. This account can NOT be verified, as I was NOT on the lease anymore when this collection was created for an old roommate. This is fraud and needs to be REMOVED. 

XXXX collect {$7700.00}
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. 
Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. 
I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. 
Further, she claimed and was implying that they would continue action against me if I did not settle this debt. 
This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. 
XXXX, XXXX, and XXXX is the name of the current firm.