davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

On XX/XX/XXXX, I received a letter from Capio Partners, in which they claimed they had purchased XXXX worth of medical debt that I they claim I owe to XXXX XXXX XXXX XXXX. I responded on XX/XX/XXXX requesting, in writing, verification of the debt, as I had never received a bill from this company.On XX/XX/XXXX Capio responded in writing and provided what they claim is the original bill. Upon further examination, this bill has my given name, yet has an address I have never lived at. Furthermore, upon checking my credit report, I discovered that Capio placed a collection notice on my credit report for two reporting agencies on XX/XX/XXXX. Please note that on XX/XX/XXXX I had not yet even received notice for Capio Partners of this potential debt.Thank you for your help in this matter.
Consumer complaint received 2021-07-15
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. (NJ)

XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXXXXXX XXXX  account number 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.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I was hoping to be able to see a week go by without needing to open a complaint against EQUIFAX, who for some reason has been persistent in screwing up either my or my wife 's credit report, or both. This time it's about a score decrease that at the same time that a new credit card was reported to the three credit bureaus, the score increased as it should on my XXXX credit report 51 points and on my XXXX  31 points. 

Now the change to my Equifax reporting was just the opposite that resulted in a 31 point DECREASE in point score that puts my Equifax score back down to their number XXXX which is what they have in the past locked my credit score at ( meaning regardless of payments made the score does not change ). It is always an ongoing battle to get Equifax to correct the intentional " errors '' that constantly make sure are in our reporting ( look at the plethora of complaints ) files this year only. No need to mention that they have been on a mission to keep our credit scores below a certain threshold to name just one of the ongoing problems we've been consistently fighting to get resolved. 

They will respond to this complaint as they do with the various others saying they will investigate, get back later, need more time. But has NEVER address any of the complaints to correct the wrongful damage they continue to render to our credit reports. 

See attached screenshots ... 

Both my wife and my credit accounts have no negative accounts or payment history for nearly two years, yet they are determined to make us look bad. They have even deleted a paid and closed accounts from my Equifax reporting that they provider confirmed on yesterday in a letter to me that they have asked Equifax to put back. We told that my wife and I are apparently targeted ...
Consumer complaint received 2022-07-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc ()

To whom it may concern. 

I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for XXXX days to cover any disputes. 
Their customer service always promised that they will release my funds after XXXX days. I logged in to my account after the XXXX days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank you
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MN)

I purchased a 'high-end ' technology bed from Mattress Firm in XXXX XXXX MN XXXX XX/XX/22. I was offered 60 month interest free financing through Synchrony Bank. The financing terms are not the issue. Synchrony Bank automatically signed me up to a 'Debt Cancellation Program ' that I was neither informed nor did I sign up for. I was notified by Synchrony Bank that I was enrolled in the program on XX/XX/22 via email. The program would pay off the remaining balance on my card in the event of death / disability etc. The interest rate was approximately 20 % of the unpaid balance. My complaint is that Synchrony is violating the law or at a minimum is engaged in unethical business practices by enrolling me in a program without my prior consent. I have since had two phone conversations with Synchrony Customer Service. In the first call, the service agent confirmed that I was enrolled. She graciously honored my request to cancel my Debt Cancellation Agreement. This occurred on XX/XX/22. I also asked for written correspondence confirming my request. It is now XX/XX/22 and yet to receive written verification. I then called by on XX/XX/22. The Customer Service Rep confirmed that my Agreement was cancelled -- then would follow-up to get me written confirmation
Consumer complaint received 2022-09-22
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: CITIBANK, N.A. (PA)

Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my home depot credit card through Citi.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

On XX/XX/2022, I submitted a written request for the two CRAs to 1 ) update the XXXX maintained by both Equifax and XXXX to delete derogatory items that are 7 or more years out of date & 2 ) provide a copy of the corrected " report '' ASAP. The written request included substantial documentation to establish the bone fide authorization including old versions of each CRA 's consumer credit report ; the XXXX result from XXXX CRA who already did it after a request was filed ; a certified copy of my Driver License Abstract ( because it is public information ) including the citation from Washington State law ( RCW 46.20.035 ) which establishes " a driver 's license .. is valid for identification purposes. '' However, I refuse to provide these private corporations with my social security number because it is NOT public information & they have no right to demand it from a consumer ; i.e., Social Security Administration publications state that providing it to non-governmental entity is voluntary. 

There has been no response & more than 30 days have passed. I stated in the letter all contact is to be written.
Consumer complaint received 2021-07-15
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original creditor : 12 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX DE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. CROSSCOUNTRY on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-08-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AVANTE (SC)

I have received repeated telephone calls from someone identifying themselves as representing XXXX  XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. 

My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX  XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX, I submitted a complaint ( Complaint # XXXX ) regarding credit inquires that were fraudulently and inaccurately reported on my consumer report including accompanying documentation from the creditors stating that they had placed a request to all bureaus to remove inquires. As of XX/XX/2022, the inquires still have not been removed and my consumer report corrected. I demand that this be addressed and corrected immediately as you are in direct violation of the FCRA.
Consumer complaint received 2019-01-15
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: CITIBANK, N.A. (AZ)

I WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inaccurate information that Transunion has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Transunion expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me
Consumer complaint received 2019-01-15
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: WELLS FARGO & COMPANY (IL)

The foreclosure that was placed on my credit report erroneously, by Wells Fargo for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My loan was transferred from XXXX to Mr. Cooper for servicing starting in XXXX of XXXX. Since Mr. Cooper has been in charge of the servicing I have had a problem with the payment being {$47.00} higher than it should be due to Property Tax. There was an escrow shortage in the amount of {$570.00} for prior year, and I had option of paying this in full or spreading out over payment. I called Mr. Cooper and informed I would be sending this paying in full. I did this on XX/XX/XXXX. The payment was applied as partial mortgage payment. I called and got the payment correctly applied. My mortgage payment should been {$2400.00} with the applied escrow payment. I sent {$2500.00} payment XX/XX/XXXX, for XX/XX/XXXX payment, because my statement for that month did not reflect the escrow payment, so loan payment was {$2300.00}. I had additional conversations with Mr. Cooper because XXXX statement sill reflected a payment {$47.00} higher than it should be due to the escrow payment referenced above. All Mr. Cooper associates identified that the escrow payment was posted but the payment was not adjusted by the PPT team and they would resolve. On XX/XX/XXXX I sent XXXX payment in the amount of {$2400.00} because at that time the payment was still reflecting higher. At this time, I contacted Mr. Cooper and was put in contact with XXXX in the escalation department and advised would get issue resolved. In the meantime, I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$2300.00}, paying an invoice that indicated I owed $ {$2300.00}. At this time because I qualified to have Mortgage Protection Insurance removed from my loan, the payment should have been {$2200.00}. This reflects the {$2400.00} payment - {$160.00} MPI amount. Mr. Cooper acknowledged this amount. On XX/XX/XXXX at XXXX XXXX, I had a collection call from Mr. Cooper for my XXXX payment. Please note I have sent more than the required amount every month since they took the loan over. I contacted Mr. Cooper and spoke with XXXX who stated payment was applied incorrectly but even when she moved the money that there was over {$100.00} shortage. I asked her how this could be possible when I sent more than the required every month since they took the loan over and she could not answer the question. This is completely unacceptable. I was informed the only way to remove them as service provider was to refinance home, but then there is no guarantee that this company would not wind up being the service provider at some point. Since XXXX when Mr. Cooper took over this loan, I have spoken to the following associates at Mr. Cooper and the problem has only gotten worse because now I have paid more than I owe monthly and I am in collection status. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have truly tried to resolve this issue and Mr. Cooper seems incapable of effectively servicing this mortgage. I need help.
Consumer complaint received 2020-03-19
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$260.00}
Consumer complaint received 2021-07-15
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC. (AR)

I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. 
XXXX XXXX
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : CXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions