davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2021-11-13
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. (DC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiried on XX/XX/XXXX and XXXX XXXX XXXX Inquiried on XX/XX/XXXX
Consumer complaint received 2021-11-13
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. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon analyzing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiries that are reporting on my Credit Report and needs to be removed : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ;XX/XX/XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX XXXX - Inquired on XX/XX/XXXX XX/XX/2019
Consumer complaint received 2021-11-13
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. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my XXXX   because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}
Consumer complaint received 2016-07-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: World Acceptance Corporation (OK)

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

This is now the second time I am trying to resolve my issue with Wells Fargo. I have been disputing a fraud case for over a month in a half which is getting me nowhere no matter how many times I call. They give me denials continually based on the facts that they believe I had the card when the charges where made or that I authorized said charges which I had not. So according to their factsI am still responsible for all the charges that were made on my credit card. Meanwhile some of these charges were cash advances to both the fraudulent checking account and savings account. Those accounts previously mentioned were closed down as fraudulent/unauthorized accounts by Wells Fargo XXXX They closed both accounts marked them as fraud and removed them from my account dashboard. So that leaves me with the question of how am I responsible for the {$550.00} ( plus interest fees ) in cash advances for money that I never recieved but rather was sent to a fraud account? On top of that I reviewed the account credit card rewards and {$370.00} in cash rewards was sent to the this fraudulent savings account for cash back rewards. If I am responsible for all these " alleged '' credit card charges and they are forcing me to pay for these charges why did I not recieve the {$370.00} in cash back rewards? Its not fair that they are charging me for charges I truly did not make nor did I allow anyone else or authorize any other charges. I am tired of trying to dispute with them because they still won't fix this issue after a month of going back and forth they still have done nothing but tell me to wait 30-45 days for a response!
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I made a purchase on XX/XX/XXXX for {$240.00} at 0 % promotion for XXXX due XX/XX/XXXX company XXXX made another purchase to a different company also at 0 % for XXXX for {$130.00} on XX/XX/XXXX however due to statement cycle date this is due XX/XX/XXXX, company XXXX XXXX  XXXX 
I returned part of the purchase from XXXX and was issued a credit on XX/XX/XXXX for {$120.00}. However my balance due on XX/XX/XXXX didnt change. They applied this credit to the XXXX XXXX purchase and I know owe {$11.00} for the XXXX XXXX purchase. This is deceptive. Reallocating credit could have me paying them more interest.
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months
Consumer complaint received 2021-11-13
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. (DC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (PA)

I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.
Consumer complaint received 2016-04-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation (WI)

Had {$4700.00} taken from my Federal Tax Return, courtesy of the Dept. of Education. When my husband and I tried calling the collection agency to find out if there was any remaining balance, we get transferred from one extension to another, then get hung up on. We are just trying to figure out if we owe any more money so we can get this taken care of. We have not received any communication from anyone except the I.R.S. We have been trying to talk to someone for 2 weeks now and have made no headway. How can someone take my Tax Return and then turn around and hang up on me? This was a student loan that I had long before we were married, and unfortunately went into default. Now we 're stuck losing almost our entire return and with no explanation.
Consumer complaint received 2022-11-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I submitted a complaint yesterday about Mr.Cooper Mortage company I closed on a house XX/XX/XXXX and they put a 30 day payment on me I talked to my Mortage company who Im trying to get financing from and they told me to also put they have pulled the history and Im 14 years I have never been late on my mortgage with them Please help me in getting this taken off so I can buy a home for my family and its not fair
Consumer complaint received 2022-11-10
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

I filed a complaint with XXXX in XX/XX/XXXX. LOANCARE mortgage service was asked, written to, I emailed per their email address given, called numerous times, to get my partial claim amount correct and XXXX  released. 
They said it was done and even told XXXX they were resolving it in XXXX. AN ATTORNEY STATES THEY WOULD START FROM FIRST DATE OF COMPLAINT WHICH IS ACTUALLY XX/XX/XXXX. WE ARE WAY PASSED A DELAY OR EXCUSES THIS TIME PER LAW. 
Now trying to get XXXX XXXX loan and new mortgager says my XXXX is not released. 
HUD COMPLAINT REP STATED ON XX/XX/XXXX said they want to know why claims weren't filed while under forbearance,. LOANCARE SENT HUD A XXXX release for {$7500.00}, NOT RETURNED. PER MY COUNTY CLERK -2 RELEASES FOR {$10000.00}. AND MY NEW MORTGAGER SAID NOTHING BALANCES AND XXXX IS NOT RELEASED. 
It took 4 months to get Loancare to fix their records only to find out OVER 6 MONTHS LATER ITS NOT CORRECT NOR COMPLETELY RELEASED. 
Recorded calls, PER THEIR COMPANY, no one will tell me why or even look it up while on the phone to find the problem to fix it. Don't lie Loancare, that call is recorded. 
XXXX  Loancare! 
This illegal undue stress, along with damages related to them not getting their job done in the time frame allowed, and me not able to get what I am approved for BECAUSE OF FALSE REPORTING and should be held accountable AS A CUSTOMER WOULD BE. 
THEY ALSO STATE IT WILL TAKE MONTHS TO GET IT CORRECT. ARE ARE THEY ALLOWED MORE THAN THE 6 MONTHS ALREADY GIVEN, AND THEN TELL ME IT WILL TAKE ANOTHER MONTH OR TWO, TO FIX THEIR ERRONEOUS ERRORS? AS I SAID, AN ATTORNEY, NAME CAN BE PROVIDED, SAID THEY WILL GO BACK TO THE FIRST COMPLAINT FILED IF I SUE THEM, IF NOT FIXED IN A TIMELY MANNER. 
HOW IS THIS ALLOWED? I WANT MY XXXX RRLEASE CORRECTED AND RELEASED SO I CAN GET MY HOME EQUITY LOAN! 
**** LOANCARE HAS BEEN SUED PREVIOUSLY, AND LOST, BECAUSE OF ISSUES JUST LIKE THIS.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

On XX/XX/22, I attempted to access my account via the mobile app to which I continuously received an error message. I then attempted to access my account via the mobile web and received the same error message. I then proceeded to call CITI directly to figure out if the site was having issues only to discover that my account was restricted and pending closure 30-90 days due to suspected fraud. No heads up, email, text, call or anything. CITI also blocked my debit card revoking access to MY money. The rep on the phone asked has this happened before, I said no this is the first time. I spoke to another rep who related that it was due to a check being deposited that same day was that was apparently returned that same day due to XXXX I have no control over that. That doesnt even sound right.
Consumer complaint received 2021-11-13
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX AND EXPERIEN I DONT OWE THE DEBTS THAT IS ON THERE IS INACAURATE I DONT OWE CHILD SUPPORT THERE CLOSED ACCOUNTS I PAID OFF ON ALL THREE BUREAU PLUS I AM CLEAR OF XXXX XXXX AND ITS SOME FRAUD ITEMS ON MY CREDIT AS WELL SO THE INFORMATION THEY GOT IS ALL FALSE PLEASE REMOVE ALL THE NAGATIVE ITEMS OFF ALL THREE CREDIT REPORTSO I CAN BE FREE OF THESE FALSE DEBTS. THANK YOU!
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc (OR)

I received a debt collection from you for Paypal & the Reference # XXXX for {$55.00}. We have a pay pal card & Account which everything I owe goes on the paypal account & I have no idea what this charge is for & wonder why it wasn't submitted to my paypal account. I will pay it if I owe it but I have no Idea what it is for?? 

Reference # XXXX & Account # XXXX Please respond to XXXX with the information requested! 

Thank you, XXXX XXXX