davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (AL)

My debt was originally with Seedfi but sold to XXXX around XX/XX/XXXXXXXX. I received {$1500.00}. I made payments starting XXXXXXXX XXXX XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from XXXX of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. XXXX has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this also falsely manipulates the statute of Limitations
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account-XXXX XXXX XXXX XXXX has Not Provided Validation information under 12CFR-1006-34 ( b ) ( 5 ) But yet they placed a Collection on my Consumer Report. I Have Not been given the chance to dispute this account according to 12 CFR 1006-34 ( c ) ( 4 ) ( l ) XXXX XXXX is Violating My Comsumer Rights by Using False Misleading, Misrepresentation and Decaptive means XXXX XXXX has No Authority to furnish an account to consumer Reporting agencies without providing any and all disclosure by law and they are in Clear Violations of 12CFR 1006-34 ( d ) and 15USC 1681-5 2 ( 7 ) ( a )
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Bank of America Account XXXX XXXX Bank of America They close my account with out tell me and I have done nothing wrong with it.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just had a baby and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includesXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Per the Fair Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX - Account numberXXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX  XXXX XXXX  - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXX XXXX  - Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX  XXXX - Date reported XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER. 
...
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 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 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$43000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

Vehicle repossessed and sold. The deficiency balance almost exceed the original balance of the loan. This after making payment on $ XXXX and remaining balance of $ XXXX after paying for almost three years. Impossible to have this balance. I researched the company and I see that this a predatory lender in the finance business. They are outside of the norm for being a company that finance cars. I am out right in disagreement the deficiency amount. I was never alerted of the vehicle being sold at auction another violation. I am asking that this company be held accountable especially in the current climate, pandemic era. 


https : XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (AL)

The credit bureau has been allowing access to my credit file to various companies without my permission. Once, I was made aware of this situation, I elected to file a freeze and fraud alert on my credit file. 

I have asked the credit bureau to remove these erroneous inquires immediately to no avail of any cooperation on their part. 

Therefore, I am filing this request with your agency to enforce the FCRA rules and regulations with the credit bureau to correct my credit file immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (IL)

These are Fraud Inquires and I never Authorized any of these Inquires. And the companies and Equifax don't care or refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

XXXX makes payments via Money Network cards and I have not received XXXX so was instructed to call them. 
I have XXXX phone numbers for Money Network and all of them are automated and you either have to enter your social security number with birthdate or your debit card number. 

I can not reach a human because their automated system does not recognize my social security number and birthday and hangs up. 

I have never received the card so I do not have a debit card number to enter..so the system hangs up. 

I have no way of requesting a card ... since I can not get to a human ... and I have no way of getting paid ... since I never received a card. 

Money Network numbers : XXXX XXXX XXXX XXXX They are owned by Fiserv and they could not help either, other than giving me a phone number that I already had. So they then gave me an email address, XXXX, but no one ever responded.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting a debt from XXXX in which I have sent them not only a letter from debtor stating that I am not responsible but also proof that I have the title to the car in question. There is no lien, and furthermore, I would not have the title in my name if there were still a debt owed. They have failed to verify violating FCRA.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Consumer complaint received 2022-08-05
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. (DE)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, truist bank decided to close my account and I was told I would be getting the balance of the funds in a check form. It's been XXXX months now and Truist is still unwilling to release the check to me despite my account being closed. The account balance is around XXXX. I have attempted to contact truist at a weekly basis in an attempt to retrieve my funds and Truist have been unwilling to send me the check to release the funds.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX has been paid as of XX/XX/year> and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2015-07-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NY)

Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service.