davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (SD)

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from equifax ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX  account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (VA)

on XX/XX/22, I sent a Conditional Acceptance letter to Navy Federal Credit Union in order to conditionally accept their offer. They have accepted my form of payment due to the fact that it has not been returned with a notice of dishonor and they have received the instrument as a credit on their books. They need to credit my account the same as I state in my conditional acceptance letter and rebut my proof of claims which they have also failed to do. Unless they can disprove my claims, the debt obligation is that of Navy Federal Credit Union.
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Complaint towards : Chase XX/XX/2022 : My wife and I went to our local Chase branch and opened new joint accounts ( one checking and one saving ). 

XX/XX/2022 : I initialized a XXXX money transfer from my existing XXXX checking account to the new Chase saving account. The transfer was initialized on the Chase website. I added my XXXX checking account as an external account, and then initialized the transfer from Chase. 
( I have been using this XXXX checking account to pay my Chase credit card for years. When I was trying to add it as an external account, it was automatically detected and added on the Chase user portal ) Also, I updated my employer 's payroll system to use the new Chase checking account as the direct deposit account. 

XX/XX/2022 : I can not log into the Chase website or the mobile app. It says that suspicious activities are detected in my account and asked me to give a call. I gave a call to Chase and was told by phone that my accounts are subject to closure. No reasons are given over the phone. 

XX/XX/2022 : We went to the same local Chase branch and asked the banker for help. The banker helped us to call Chase again. However, still, no reason is given.
Consumer complaint received 2020-12-04
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: WELLS FARGO & COMPANY (NJ)

XX/XX/2016, {$1300.00}, and Wells Fargo reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my Wells Fargo credit. Paid them as well as Wells Fargo call me then paid them.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/2022 I received an email from PayPal saying I had a transaction from XXXX for {$80.00}. I reviewed my PayPal account and saw the charge was accurate, and not authorized by me. It is currently pending authorization. The address has it going to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked in XXXX and XXXX other victims have commented the exact same fraudulent activity of XXXX purchases on their PayPal. I have never been to this business and do not know how they got my information.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I made a on time payment to TJX card to synchrony bank on XX/XX/2021. On this new billing cycle I was charged a late fee of {$38.00} even though I had paid on time. I was told by a customer service rep with synchrony that I paid to early. I don't see anything on there statement that's says you are penalized for paying a credit card bill to early. The federal government needs to start cracking down on these greedy credit card companies who are out to make a profit and are fraudently charging customers late fees who pay on on time or early on there bill.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In XXXX of XXXX we moved into an apartment in XXXX called XXXX XXXX that was no where near ready for occupancy. We contacted the apartment manager as well as the corporate office several times with complaints about the structure, carpet, AC Unit, appliances, etc. We took photos of black mold in the AC Unit and window sills, cockroaches, our vacuum chamber that was filled twice ( we had only been there 1 day at that point ) and dirt on the inside of the patio door. This apartment was in severe disrepair with a pest problem that never got solved. During our stay, we noticed that other residents were having the same problems which were published on XXXX and a few we spoke to also had poor feelings toward their apartments. We documented everything and took screenshots every time we put in a work order. We took photographs of everything when we moved in and they still tried to say nothing was wrong. We finally moved out in XXXX of XXXX after over a year of complaints to the office. We had told the district manager at the time ( in XXXX of XXXX ) that our carpet was disgusting and needed to be replaced prior to our move in. They denied it and said the carpet had been steam cleaned and vacuumed before we moved in. This was absolutely a lie. We are now being harassed by Hunter Warfield for collection monies that are erroneous to our situation since we had already put in complaints that the apartment was disgusting when we moved in. We are not going to pay for a carpet that was in disrepair, needed to be replaced prior to move in and that was denied by management during our stay. We had nothing but problems with this apartment complex and do not recommend it to anyone.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (CA)

The main problem on XX/XX/XXXX was the sell man in the store had to apply for the credit card for me in which I was approved for XXXX. HE didn't explain or give me information on the credit card process and guidelines and I wasn't able to read small print, so I didn't know that my credit limit will be decreased in which mine did in XXXX. I had a couch complaint on XX/XX/XXXX in return, and was told not to make a payment till investigation is over. It's yet to be over XX/XX/XXXX, and I didn't get retrurn till XX/XX/XXXX, that's when my credit limit was decreased to XXXX. The other problem was because I didn't know guidelines in policies that each item is paid off one at a time not the totally balance there is a small balance still. I've went to store in they tell me it's clear yet credit card dont. And last I was told the credit card comes with warranty yet I was charge the fee of XXXX.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

CEO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Connecticut, XXXX, United States XXXX : XXXX XXXX, Senior Specialist Corporate Consumer Relatons Synchrony Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay {$5000.00} in damages. 

Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. 

By doing so, you will also agree to pay {$5000.00} in damages. 
Re : Account/Credit Card/Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX. 

I wrote to you on XX/XX/XXXX requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, will constitute your agreement to the following terms : 30 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

Yours sincerely, By : Sovereign XXXX XXXX ' XXXX Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded
Consumer complaint received 2022-07-02
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. (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 Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXXXXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : 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 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 2021-12-07
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. (CT)

FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (MS)

Great Lakes Educational Loan Services , Inc reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Consumer complaint received 2022-07-02
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing contacted me through a letter stating that our XXXX bill went to collection ( through them ) and would be late as of the end of XX/XX/2022. They claim I awe {$650.00} in debts. I called XXXX to find out more and my name and account number that the letter gave me wasn't in the system. 
The account number that was given was # XXXX This is now on my credit report and is effecting my credit score in a negative way. 
Covergent Outsourcing address and phone number .... 
XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

on XX/XX/XXXX at XXXX i purchased a pre made food pkg. I have failed to here back from this guy XXXX and found out through a friend that a friend of theirs was scamme too. Now this is venmo a company with paypal which is why I did not go directly to paypal. I had an incident where I didn't get what I ordered and instead of reimbursing me, paypal cut me off for life. Now I use venmo constantly and I dont want to lose them too. can you please help me? Thank you
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Open XX/XX/2019, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-04
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX
Consumer complaint received 2019-07-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

It started in XX/XX/XXXX when I had to take XXXX from my employer due to medical issues. Which cause me not to work, I had then applied for a modification since I was falling behind and was approved on XX/XX/XXXX. During which I was not working because I was laid off on XX/XX/XXXX and was only relying on my XXXX income. I was during XXXX that me and my XXXX at the time had a divorce which once again was a financial blow. He then became ill and only relied on social security income. By that time I started a new job in XX/XX/XXXX and was also getting assistance from my XXXX XXXX. We once again applied for a modification and was approved in XX/XX/XXXX, but instead of getting an affordable rate it went up which caused our payment to go up. We made payments and just am not able to maintain the current payment with the income I bring in the social security income that my XXXX XXXX brings in. We then applied and got denied for assistance and now we have a sale date for XX/XX/XXXX and the lender is not willing to postpone.
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting 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