davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (CT)

Both XXXX XXXX. and RUBIN & ROTHMAN , LLC, through practices relating to the attached matter ( XXXX XXXX. vs XXXX XXXX ) have broken a number of laws including The New York State Bar Association Rules of Professional Conduct and the US Fair Debt Collection Practices Act. 

I received the attached complaint from Rubin and Rothman LLC. that lists Attorneys including XXXX XXXX XXXX. On page two it clearly states XXXX XXXX XXXX XXXX. with the Rubin & Rothman LLC address. When an Attorney uses XXXX. after their name and provides a New York address as their place of business, it unequivocally states that XXXX XXXX XXXX practices law in New York State. XXXX XXXX XXXX is suspended from practicing law in California and New York and in New York with a disciplinary history states as Yes '' I spoke with the RUBIN & ROTHMAN Attorney XXXX XXXX on XXXX. I called at the bequest of the Judge in the case that parties speak with each other. I offered to settle the matter for what the potential cost would be for me to mount a defense- {$500.00}. XXXX XXXX declined the amount to settle and refused to provide a counteroffer stating that : - XXXX XXXX was sitting right next to her and purposefully lied that he was suspended for administrative reasons in NY and not disciplinary reasons - That it didnt matter anyway as XXXX XXXX XXXX was not practicing law in NY as he was practicing law only in Connecticut XXXX 
- " Even if you do prevail - we will just file again and " The debt will never go away During the call XXXX XXXX violated my rights under the US FDCPA by asking for all of my personally identifiable information on a recorded line. I was talking with XXXX XXXX to negotiate at the bequest of the judge as a self represented litigant AND NOT as a debtor. This is a distinction that XXXX XXXX was unable to make as she illegally plowed ahead with her incorrect, wrong and disingenuous agenda that offered unsolicited legal advice, threatening, bullying-and harassing behaviors and hung up the phone call mid conversation after saying we can tell that judge that we spoke. 

I have a long list of illegal and sloppy work and actions taken against me by XXXX and XXXX including insufficient production of records, false affidavits and insufficient service.
Consumer complaint received 2022-07-14
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)

I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} 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 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 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  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-07-14
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 sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WA)

On XX/XX/2022, there are 2 transactions from my credit card company listed as XXXX XXXX ( which is XXXX XXXX XXXX XXXX One of the transaction ( $ XXXX ) is my credit card balance which is good but XXXX XXXX also pull additional {$470.00} which I don't understand. 

XXXX XXXX Withdrawal - {$5900.00} XXXX XXXX  Withdrawal - {$470.00} XXXX contacted both my bank ( XXXX Money ) and Elan Financial Services. My bank confirmed that both transactions went through. I contacted Elan Financial Services ( XXXX XXXX ) a few times and they kept saying the {$470.00} is not in their system. I didn't initiate that transaction as well. They kept insisting that there's nothing they can do if they don't see it in their system. 

Now as a customer to the credit card, it looks like I lost {$470.00} which is hugely unfair to me given that it looks like an issue on Elan Financial Services ( XXXX XXXX ). From external point of view, It looks like the system of Elan Financial Services is not sound or buggy.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (CA)

On XX/XX/XXXX, my friend sent me an email referring me to join Albert to earn a {$500.00} bonus ( the email is shown in the Attachment ). I clicked the link to download Albert APP and followed the instructions to successfully apply for new accounts. According to the screenshots in the Attachment, the {$500.00} bonus should be honored when I met all the requirements every 30 days in the following 90 days, i.e., a direct deposit of at least {$200.00} and debit card spending of at least {$100.00}. I have completed these direct deposits ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my employer XXXX and debit card spending ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for USPS XXXX XXXX packages and service. Attached please find a PDF file with all these records. 

However, from XX/XX/XXXX to now, Albert refused to honor this bonus with various runaround actions. They first said they could not find my referrer ( however they confirmed on XX/XX/XXXX after I sent them the information of my referer and the screenshot of the referralemail ). They asked me to have my referrertext them to confirm. When my referer did so, the Albert representative then dragged on the new terms about whatQualified Spend is. They refused me because they concluded that my spending at USPS is totally for money orders, which can not be categorized as 'good and service '. I don't know why they confounded XXXX and white saying that my spending on XXXX XXXX XXXX packages is a money order service. Such bluffing seems like an excuse for not paying out the bonus. Besides, they even asked me to provide evidence such as receipts to prove that I didn't buy money orders in these spending. How could it be such aPresumption of Guilt from them? I don't have the habit to keep these receipts everywhere in my room. Also, it is their responsibility to provide evidence of why my POS transaction violates these newly added terms. What's more, even if some customers did POS transactions for money orders, how could Albert add new terms to deny such transactions at the final time of the bonus payout? Arbitrarily changing the terms in which the customers were enrolled for the account, however, seems like a bait and switch to bolster their account openings but to deny the right to obtain their bonus.
Consumer complaint received 2022-07-14
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. (TX)

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 2022-11-05
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.
Consumer complaint received 2022-07-14
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. (VA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file. However, there are still accounts that need to be CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated in my report. 
XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2022-07-14
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 rights to privacy 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-14
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. (RI)

Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.
Consumer complaint received 2022-08-15
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. (FL)

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Consumer complaint received 2022-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (PA)

ALL XXXX XXXX XXXX has violated my rights and broken laws in doing so according to 15 US code 1692b.section 5 ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE PURPOSE OF ACQUIRING LOCATION INFORMATIOM ABOUT THE CONSUMER HALL NOT USE ANY LANGUAGE OR SYNBOL ON ANY ENEVLOPE OR IN CONTENTS OF ANY COMMUNICATION EFFECTED BY MAILS OR TELEGRAM THAT INDICATES THAT DEBT COLLECTOR IS IN THE DEBT COLLECTING BUSINESS OR COMMUNICATION RELATES TO COLLECTION OF DEBT. 
15 US CODE 1692D HARRASSMENT OR ABUSE .SECTION 5 A DEBT COLLECTOR SHALL NOT CAUSE A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNY ABUSE OR HARRASS ANY PERSON AT THE CALLED NUMBER.
Consumer complaint received 2022-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OR)

The loan is for {$12000.00}, with interest accruing daily. I sent in a payment of {$5000.00}, it was processing, then it disappeared. The amount was not taken out of my account, but I am trying to pay it off fast because the interest rate is crazy. I read reviews online ( after I set up the loan ) that they have refused peoples payments so they can collect all the interest that was expected. I have called them multiple times, took records of account balances ( both my bank and the loan amount ), payment confirmations, and phone calls. I am about to get in touch with a lawyer because they are ripping me off and wont let me pay it off. I have the money to pay it off, they just wont let me pay it.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Had valid transaction in XXXX. Sender ( family member ) had fraud in their debit card and filed a fraud claim on specific venmo transactions with his bank. Appears  XXXX indicated all past two month XXXX Venmo are fraud and my credit he sent was part of it. Without a message or warning Venmo attempted to recall the funds from my account and now froze My account as it now negative based in the incorrect claim by XXXX. Without any explanation from Venmo im now calling and getting the run around from Venmo and now im told provide evidence. Why was this first not requested during their investigation and with a broad stroke im now locked out for 30-75 days and labled a fraudster. What kind of customer service is this Venmo? Beyond frustrating and poor customer service
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (TX)

XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.
Consumer complaint received 2022-07-14
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' Equifax XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (MT)

Flagship Credit Acceptance ; XXXX XXXX XXXX XXXX, TX XXXX I called and asked why Flagship listed under comments " Affected by Natural Disaster. '' I explained we were not affected by natural disasters. The agent then told me that we must have been because we filed for extensions. I said we were not, and that is not accurate. She explained we must have been hit by a hurricane or tornado, which is why the comment was listed. I said we lived in XXXX, there were no such events. Then she changed the reason to Covid. I said do you have proof of that? I was under the impression that Covid-related issues couldn't be held against you from XXXX, which is irrelevant because Covid is not a natural disaster. She said it must be Covid, and they did not have a code for Covid, so it was listed as a natural disaster, but she couldn't view the notes. I asked her to remove the comment she said no. The bottom line we were not affected by a natural disaster, and Flagship can not account for an actual reason for this comment but will not remove it. A conversation was had on XX/XX/2022
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (PA)

I disputed this account through the appropriate procedures. 

XXXX and XXXX investigated this account effectively, the account was removed. 

XXXX failed to complete a through investigation of this disputed medical debt and it was returned verified. 

It is my understanding all three credit reporting agencies have to adherence, to the same investigative processes for a debt to reflect on a consumer report if it disputed. 

i disputed this material with all three credit reporting agencies on the same day, and only XXXX failed to investigate this matter.
Consumer complaint received 2022-07-13
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. (TX)

Equifax report a collections account XXXX XXXX XXXX XXXX  I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLY
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Social Finance, Inc. (MI)

I filed for XXXX XXXX XXXX protection and I was approved for discharge of my debts. One company SoFi XXXX XXXX has continued to send harassing letters threatening to send me to collection if I don't pay them but they were included in my discharge. I have sent this information to my bankruptcy attorney who has told SoFi to cease contacting me and they have not. Today XX/XX/XXXX I received another letter demanding over {$1000.00} but my bankruptcy was approved on XX/XX/2022. SoFi is ignoring consumer protection programs and is a constant stress on my mind.
Consumer complaint received 2022-07-13
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 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 2022-08-15
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. (FL)

XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12