davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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: GOLDMAN SACHS BANK USA (AL)

I have made several purchases at the XXXX and charged it to my XXXX XXXX card by Goldman Sachs. I returned several items after I made several installments on them to Goldman Sachs but when I returned them Goldman Sachs did NOT issue a full refund on some of them. I have returned a XXXX XXXX watch XXXX  on XX/XX/2022 and I should have refunded back the XXXX dollars that I paid as a first installment but I did NOT. Then I returned an XXXX and I should have been refunded XXXX dollars which I did NOT. And also since I started using this card back in XX/XX/2022 Goldman Sachs has overcharged me several times and I opened several disputes which are still not resolved. Goldman Sachs still owes me XXXX dollars plus another XXXX dollars for a total of XXXX dollars which they should refund back to my XXXX XXXX  card. I am attaching screen shots where the installments made on the XXXX band and the XXXX should have been refunded but they are not
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. S BANK XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which USBANK did not agree to. 

Creditor ; US BANK XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-11-06
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. (NY)

I pursued a loan/installment plan from XXXX XXXX  XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (LA)

The alarm company was notified by phone to cancel this account before renewal. They required a letter which was sent, not authorizing future monitoring. I was not notified that they were still monitoring our system for the following YEAR. No notification was received until I saw a collection on my credit and contacted them. They said they had no record of the cancellation. After not receiving any type of payment, why would they continue monitoring for such a period of time? This account was canceled and closed. Also, the dates of monitoring and when they say this collection was due, do not coincide. I have reported this to another credit bureau and it was taken off my credit report but XXXX  says its my responsibility. I also believe this is a different collection agency reporting than the original one. So the tactic has become to just change agencies who report to a different credit bureau to keep pressuring for payment.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am currently making payments to fedloans and am part of the public service loan forgiveness program. I began making qualifying payments XX/XX/XXXX and have submitted recertification forms yearly. In XX/XX/XXXX the number of qualifying payments to one of my loans dropped from 33 to 27. I called fedloans and requested a recount. I was told it would take 3 months. I have called every 3 months since that time and have not been given any information as to why several of my payments are no longer being counted or when the recount will be done. It has now been 17 months and the counts are still incorrect and new payments have been counted since XX/XX/XXXX.
Consumer complaint received 2022-08-31
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-11-06
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: FactorTrust, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-11-06
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: LEXISNEXIS (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-08-31
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: SYNCHRONY FINANCIAL (AL)

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 2022-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Francy Law Firm, P.C. (CO)

My ex wife sent me the letter today XX/XX/2022 for a judgement filed by francy law firm. All payments and communication was always sent to my ex wife as she is the primary on this account. I was never called or emailed by this company letting me know that she was not making the payments on this account. They are now using legal tactics to threaten me to pay without any written, or verbal communication. I called the number listed on the form for francy law and left 2 messages today XX/XX/2022 and was sent to voicemail. No one has returned my calls. As I was never informed by this company in anyway I now have been threatened by them with legal action to sue. This falls under the threatening tactics law set to protect coustomers from these actions.
Consumer complaint received 2022-08-31
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, CXXXX 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
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

After a XXXX mo deferment I was in the loan mod trial period with my previous mortgage company.when fay took over my loan. Ive been trying to get a loan mod through for over a year so now Im more than 2 years behind. While in process of submitting my application which they took over a month to confirm they received they had already sent a demand letter which expires XXXX/XXXX/22. I have been frantically trying to jump through their hoops but it changes daily on what documentation they need, they wont be specific or put it in writing other than the initial notification it was incomplete which they lied about having fir 8 days. Ive submitted the documents requested in notification that took 8 more days to receive. Yet its not complete and now they wont tell me or put it in writing specifically what they require and what document will suffice. Then they just say something else. They give out incorrect ir conflicting information. They refuse to verify docs have been received, hang up on you, put you on hold until its past theyd hours, refuse to get me to my POC who also never responds to emails or follows up. Left vm fir several supervisors saying youll hear back in 24 hours bet have yet yo hear back. I have equity in my house which I know benefits them if they foreclose. They were relevant to give pay off when I was looking into selling. Bottom line they do not want me to keep my home. One rep even told me he didnt care I was going to lose my house. I have proof of several violations .including recorded calls..Please intervene as they are still guilty of all the same violations you previously found they were. In fact I read part of you filing to them as proof they are required to give specific information on specific documents they require to complete the application yet they refused and they refuse to put it in writing so you can hold them accountable when they change it.
Consumer complaint received 2022-08-31
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-08
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)

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (AZ)

On, XX/XX/XXXX the Wells Fargo Bank PLC and the Nevada Department of Corrections issued a XXXX XXXX XXXX XXXX ; from Account XXXX. XXXX of {$49.00} to me - XXXX and Account XXXX. XXXX. But this was short of the Remittance awarded to me by the Supreme Court of Nevada in Docket XXXX ; District Court Case No. XXXX on XX/XX/XXXX, which was in excess of $ XXXX. 

Whereas on XX/XX/XXXX, the Wells Fargo Bank fraudulently transferred a sum of {$500.00} to my Inmate Trust Account No. XXXX and which Act was contrary and in violation of the Uniform Commercial Code ( UCC ) Patent Ambiguity of {$490.00}. 

Accordingly, on XX/XX/XXXX, while I was still in Detention and proceeding on Appeal with the Immigration, the United States Department of Justice approved a Waiver of Exemption Check to me in the Amount of {>= $1,000,000} and which required Deposition in my Account with the Bank. However, the Bank reports to me that my Account was closed in XXXX and can not accept any Deposits at this Time.
Consumer complaint received 2022-08-31
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 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 2022-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (PA)

I have sent the uploaded document : debt validation and affidavit of truth to Sallie Mae Corporation to request that they validate the debt. They have yet to respond or address my concerns. I have received verification that they have collected the documents on XX/XX/2022 and received the green return receipt on XX/XX/2022. They have threatened to report the alleged late payments to the credit reporting agencies which would in turn adversely affect my credit score. They have been performing harassing debt collection practices by calling my personal telephone number approximately 40 times over a 17 day period.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have a small balance credit card from Citibank for a Home Depot Account. I have been struggling financially but have still been making payments every month. The promotion on the card was for 12 months of no interest. I am still within the promotional period, but found out that they have added more than XXXX USD in late charges to the account, since XXXX. That is nearly half the balance owed and is a ridiculous amount. I am trying to pay the promotional balance in full to bring the account balance to XXXX, but I can not justify paying Citibank XXXX USD in late fees on a XXXX USD balance. That is asinine and ridiculous. I called to find out what was going on, because my balance seemed off considering the promotional balance due. The agent waived only one fee, and then passed me to a supervisor that stated that they could not waive any more of the charges. I call bologna on that. I know that Citibank has the power to make this right for a customer who is trying to bring their account current and paid in full. I am asking that they waive most of the late charges if not all of them. In exchange I will agree to pay the promotional balance owing and bring my account current on XX/XX/2022.
Consumer complaint received 2022-08-31
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)

On XX/XX/2022, I mailed in a communication to Equifax to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Equifax regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give anyone at Equifax written instructions to furnish any of these accounts to my consumer report. 

Equifax has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2022-08-31
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 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 2022-08-31
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: CarMax, Inc. (LA)

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 car payment account under an open end consumer credit plan as late for any purpose. " Yet I see that there are " late payments '' being reported on my consumer reporting file which is severely impacting my ability to be extended credit and damaging my reputation. 

According to the Fair Credit Reporting Act reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Therefore the reporting of said late payments is not only against the law, but you're voluntarily doing so Whether knowingly or unknowingly, you're voilating my rights as a consumer and you are hereby being given notice to correct your wrong doings.
Consumer complaint received 2022-08-31
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. (IL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXXBalance : {$2200.00}.
Consumer complaint received 2022-08-31
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: M&T BANK CORPORATION (NY)

My identity was used without my authorization and or knowledge to open an Auto loan with M & T bank. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

Ok..I 've been dealing with trying to get my Venmo account unfrozen because they will not give me my stimulus!!! 
I have verified my i.d . but they will not give me access or let me transfer my money. I have XXXX XXXX XXXX that those Venmo XXXX will not give me access to and I just want my stimulus help!!!
Consumer complaint received 2022-10-21
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. (GA)

On XX/XX/XXXX I contacted Equifax about the following inquiries XXXX XXXX Inquiries on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Inquiries on Inquiry on XX/XX/XXXX, XXXX, XXXX XXXX XXXX Inquiry on XXXX XXXX XXXX, XXXX XXXX Inquiries on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, EQUIFAX MORTGAGE SERVI Inquiry on XXXX XXXX XXXX, XXXX Inquiry on XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry on XX/XX/XXXX, XXXX Inquiry on XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.