davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
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. (MS)

I have contacted XXXX formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with XXXX formerly XXXX has been settled and closed, but is still on all 3 of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (MD)

I was given a verbal agreement that if an EOS CCA account was paid off in full the day of that it would be deleted within 2 weeks from my credit report and Id also receive a deletion letter. I never received any letter and it was never deleted from my report. I called back today to see what could be done and I was given no help and told that its not happening. I spoke with XXXX XXXX the Complaints Department Supervisor who can be reached at XXXX. As a recently separated and XXXX veteran from the United States XXXX XXXX this is causing me housing issues and stopping me from obtaining a VA home loan. I am trying to fix this to better my housing situation.
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I made a Int wire transfer of {$10.00} ( XXXX XXXX dollars ) on XX/XX/XXXX, it was approved by CHASE and debited on XX/XX/XXXX, and this is the date ( XX/XX/XXXX ) that the money hasn't arrived, I went to Chase and they just send me off with the words " we already transfer the money '' which is not true, due to the fact, that we contacted the CFPB counter part in the receiving country end and they tracked the money ( without receipt number because chase refuse all 3 times I went there to provide me one ) and told the part of interest in this specific case that the money never left the US and never left CHASE bank.In summary CHASE acted wrongfully, without transparency, made us lose time ( each appointment ), money and lots more. I'm very displeased on how the acted and how the blunt-fully lied to my face with money that isn't theirs to toyed with. 
and lastly how can an institution such as CHASE can make a customer call them for an appointment, make them do the trip to one of their branches, have me sit down, know ( CHASE ) that theyre toying with the money and have their employees lie to my face and tell me that they don't know where the money is and not even a physical receipt i recieved from their part.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

I tried to close my PayPal Credit account. On their website, there was a message that said to call XXXX to do so. When I called ( about an American account ), an XXXX woman was the rep and asked me for my full name and SSN. I gave it to her. She then told me I was nowhere to be found. That is impossible. Even with my full name and SSN she could not find me. We ended the call. I then searched on XXXX and found that this has happened to many others. I believe it's an XXXX scam to get our name and SSN and fraud us. Please help. Please find out who's behind that phone number and shut them down. I am worried that something will happen with my SSN now.
Consumer complaint received 2022-04-24
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)

n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX XXXX # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND 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 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

When I started school at XXXX  XXXX University, I filled out my FASFA and was given the federal student loan. My total is {$23000.00}. Fast forward to now with student loans being deferred for all students I receive a bill from Nelnet stating that my payment is due. When I called this morning they told me that yes its a student loan but because of the type of loan I am not eligible for the relief for payment that everyone else is given. I asked what the difference was and was told that its a loan that is owned by a different part of Nelnet so I have to pay my loan. I was not aware that there was a difference in this loan and I dont feel like it fair that I was not told of the difference and would not be allowed to get the deferment that the world is getting for repayment.
Consumer complaint received 2022-06-24
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: VW Credit, Inc (FL)

VW Credit made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. VW Credit received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. 
I am permanently XXXX due to XXXX XXXX ( XXXX  ) and XXXX. 
My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ). 
My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). 

Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. 

I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. 

I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. 

Please help me! I have proof my the last payment dates for all five accounts.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX 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 without my written instructions.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of XXXX residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired.

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??
Consumer complaint received 2022-07-27
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. (IL)

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 : XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 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 2022-09-19
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. (CA)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I received an email notification from PayPal on XX/XX/XXXX that my credit card had been removed from my account profile and a new phone number added. I immediately notified PayPal that I did not make those changes and the account has apparently been hacked. Since I've never ever used this service and have no credit or revenue associated with it, I requested to close the account effective immediately ( I did however change my password ). PayPal advised me to leave the account open for future use since it doesn't cost me any money to do so. I again told them that I wish to close the account. Turns out they won't let me close the account without sending them a photo ID, my home address and my social security number. Since this information was not required to establish my account, I am not comfortable sending sensitive personal information to execute this request. I even gave them the full name and contact info of the fraudster who hacked the account, and PayPal even began corresponding with him. This puts me at great risk each day they refuse to allow me to close this account, and I'm looking for a way to resolve this situation. I've attached my email correspondence with them since XX/XX/XXXX, my comments appear in blue. Thank you.
Consumer complaint received 2022-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

Received a letter dated XX/XX/2022 stating there was unusual activity on my account and call them. Called XXXX called and they wanted to know my S/S number was a recording. Called XXXX number XXXX and was put on hold, waited awhile and recorder said wait time at least XXXX minutes. Checked on line seems like fraud. 

Received XXXX letters on XXXX. XXXX dated XXXX which said I was overdrawn by {$1100.00} saying I could mail a check to the below address Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Called them at a number they supplied XXXX. A women answered and asked why I called. I explained it to her and she was going to hook me up with a direct line.! XXXX I told her that line will only ask for my S/S number so she hooked me up with another number put on hold forever XXXX letter dated XXXX was a repeat of letter received on XXXX.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CO)

I paid off my debt for : XXXX XXXX XXXX 
JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX  XXXX  XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

XXXX  IS A ONE PERSON CONSENT STATE.
Consumer complaint received 2022-09-19
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. (FL)

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Consumer complaint received 2022-07-27
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: Grow Credit Inc (CA)

just received another late payment as a result due to the HIPAA law I can not show you my doctor 's note but I am on a broken foot and I ca n't drive anywhere so it's impossible for me to be the police report this is getting out of ******* hand in this should be rectified immediately this is not my account I spoke to someone in XXXX they stated that I did not have account and there was nothing that you guys paid out neither have I ever been consulted with them So what exactly did you guys pay out and give. It wasn't for me this is not my account it gives me not driving I can not go get it this report this needs to be taken care of and I need a letter immediately to send to the credit Bureau or else I will be reaching out to a lawyer to sue you guys on my behalf because this is getting out of hand. false report reporting 2 late payments and it closed. this account was not open by me.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX my acct was put on restriction at chase bank when I went it it was something that was on my daughters acct ( she was on my acct in case if emergency ). The restriction was put on the acct because a direct deposit of my daughters was returned when the bank had all the information, you see we have the same first name so whoever got the direct deposit information grab the wrong acct and when we went to explain no one would listen her employer even tried to help with the direct deposit they refused to look or even listen to us. This was uncalled for so know they closed the accts but accepted a direct deposit from her employer today now they are holding her payroll check and there is no nsf check on the acct. I bad part I had no notice of this restriction! So all my auto withdrawals and checks and payments got denied and whos going to pay all the fees and embarrassment I had nothing to do with this situation my acct should not have been restricted