davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (IL)

My LexisNexis motor vehicle records are not correct. My driving record is clean and I have a Certified State of Illinois report to prove it. I have called LexisNexis numerous times to have this information removed from my file. They tell me they are filing a dispute but nothing ever comes of it. This is old in-accurate information that should be expunged or vacated from my file. Please feel free to fine them for the blatant attitude they display.
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Data Systems (NC)

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at CFPabThis is not a duplicate dispute as claimed by the collection agency Financial Data Systems , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, Financial Data Systems, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that Financial Data Systems have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Consumer complaint received 2022-09-29
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. (GA)

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud.
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY {$1300.00} with High Credit of {$1400.00} On XX/XX/XXXX I sent a letter over to Portfolio Recovery after noticing an account on my credit. They sent me a response with a brief summary with a balance of {$1300.00} that came from XXXX XXXX. There is no date of first delinquency provided. Letter they attached with a header saying XXXX XXXX and Portfolio owns it and was transferred on XX/XX/XXXX with a balance of {$1400.00}. This letter is not signed or proves they own the debt as it does not even look legitimate and how can the balance they transferred it to be {$1400.00} but Portfolio shows {$1300.00}. Bills sent with a due date XX/XX/XXXX Balance {$1300.00} ( XXXX ) But no info on bills from XXXX. Just a statement with a balance of {$1400.00} ( XXXX. ) address this in yet another letter on XX/XX/XXXX within the same generic response and packet. 

There are too many inconsistencies and I addressed this yet to Portfolio in another letter on XX/XX/XXXX and yet no response.
Consumer complaint received 2022-08-17
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 (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/16 Balance : XXXX
Consumer complaint received 2022-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

I,, XXXX XXXX, I am disputing the 1099-c " Cancellation of Debt '' issued by Synchrony Bank . If I owe money to Synchrony Bank then please provide documentation that support the issuance of a 1099-C. 

I recently checked my credit report and I do not see any flags or negative information submitted by Synchrony Bank that supports the issuance of a " Cancellation of Debt '' in the amount of {$910.00}, neither I remember I had received notifications by mail or collection calls from Synchrony Bank in reference of pending balances owed by me. Thuis is not listed on my credit monitopring service, no previous contact about it. SUE FOR UNBFAIR BUSINESS PRACTICES,. 

I am refering, then you leave me not choice as to refer my complaint with the following agencies : Maryland Financial Regulation Office Consumer Financial Protection Bureau U.S. Department of Treasury Federal Reserve Consumer Federal Trade Commission
Consumer complaint received 2022-04-25
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: CAVALRY INVESTMENTS, LLC (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. Cavalry Portfolio Acct # XXXX has violated my rights, XXXX XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct 's XXXX, XXXX, and XXXX has violated my rights, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 USC 1681 Section 602 A 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 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 7 years. 15 USC 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 2022-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (WI)

Multiple times over the last month, Capital Accounts LLC has contacted me regarding a debt. I have asked multiple times to be provided with verification of the debt and they just hang up and call back later in the day or the next day. I have told them to no longer contact me if they wont provide verification of the debt and they hang up. ( XXXX ) XXXX and ( XXXX ) XXXX are the numbers used to contact me. Now when I answer they dont say anything and hang up. I need this to stop since it is getting to be a nuisance since they wont verify the debt or speak when I answer and continue to call when I ask for them to stop for the lack of verification.
Consumer complaint received 2022-08-17
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)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-09-28
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. (TX)

I did not request the following hard inquiries on my credit report and this is hurting my file, I've placed a freeze on my files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2020, I used PayPal to receive a direct deposit for my XXXX XXXX, of {$4800.00}. 
My account was permanently limited by PayPal with no explanation apart from telling me, can get my funds after 180 days. 
It has now almost XXXX years, have called PayPal several times to release my funds to no avail. 

At XXXX point they told me that they have released my funds and can go right ahead and withdraw. I quickly logged in and tried. each time I click transfer funds i got messaged 'there is nothing to transfer ' despite my XXXX been available. 

I called PayPal several times again until XXXX of the customer support said there is nothing I can do as funds are locked. 
PayPal want to get my funds. help me get my money
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I received an email of my bill on my Amazon Card ending in XXXX and saw that there was a charge of {$1600.00}. Thinking that it was a fraudulent I called on XXXX XXXX, XXXX to the fraudulent dept. I spoke to the fraudulent dept. and canceled the card XXXX and received a new and current card XXXX. At the time, talking with the fraudulent person who opened a fraudulent investigation and issuing me a new card and canceling the old card, they did not once open my account to see why, what, or where {$1600.00} was charged on the XXXX card because they never asked me. They just opened an investigation and issued me a new card and canceled the old one. 
I have many CC 's and have never heard of this practice before because I've never had such a card before. I understand it's my fault for not reading the fine lines but instead I assumed that it was % 0 interest for 24 months and that the interest would be collected on the remaining balance after the promotion ends. I didn't find out that the charge of {$1600.00} was accrued interest until XX/XX/XXXX because I know it takes about 2 to 3 billing cycles for a fraud investigation to be completed and because I've had many of my CC # 's stolen before and every time the persons I speak too from different banks, actually opened my account, look, and ask me if I made the charges at this or that location, time, or date. The person that I spoke too at the Synchrony Bank fraudulent dept. did not, so I assumed it must have been fraud. If they had actually opened my account to see if it was a fraudulent or not and had the same procedures as the other banks and CC companies have as described above, then they could have informed me that it was accrued interest and not fraud and I would have paid the remaining balance right there and then to avoid this ridiculous interest and that would have been within your 30 day grace period. I've been more than responsible making payments on your card for more than 2 years and no one can help me with this deceptive and misleading promotion. I spoke to many people on XX/XX/XXXX and also 3 managers who has said they could not do anything and kept repeating the same thing over and over to me, which was very frustrating. No one could or knew who to transfer me too that could actually help me.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (OR)

I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX. 

I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XXXX Account ACCOUNT # XXXX USAA FEDERAL SAVINGS B THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.
Consumer complaint received 2020-01-09
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. (CA)

I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited a check {$1500.00} I recovered {$1300.00} and I asked the banker to deposit the rest XXXX $ on my debit card and since that day XX/XX/2021 I have not recovered the rest of my money XXXX XXXX I called customer service to make a claim No. XXXX, but the problem that no one called me back I went to the bench twice to solve the problem but no one helped me I just get a Duplicate copy of transaction their answer was " that I must meet the banker named XXXX because it was she who made the transaction with me ''. 
I went the fourth time to the bank and finally I met the banker named XXXX, she promised me that she would solve the problem, she called me once she told me that she would solve the problem in a week but again no one has contacted me
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (AL)

According to Title 15USC 1611 XXXXXXXX XXXX did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (GA)

I literally choose a different auto insurance so I paid my money to them how do I owe when I was no longer insured with them called and explained and they never fixed I sent declaration page from current policy I am insured with XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, 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 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. 
Please remove it permanently. 
Thank you.
Consumer complaint received 2021-01-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, 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