davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Exeter Finance, LLC. (OH)

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 plan as late for any purpose.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NE)

On XX/XX/XXXX my bank mailed a cashier 's check to Home Depot. The cashier 's check had the last four digits of my account number and they included a copy of my statement. This cashier 's check was cashed on or around the XX/XX/XXXX. This check was for the Full account balance. This has yet to be applied to my account. My bank sent me the front and back copy showing it was cashed. I opened a dispute to get this payment found and applied. To date, this payment still hasn't been applied to my account. Now, they are charging late fees and calling harassing me that I'm late. This check was cashed by them and I called them to find this check and filed a dispute 10 days at least before a minimum payment was due. My minimum paymenta are due the XX/XX/XXXX so they had the check and cashed it Way before my payment was due. When I call, I get the run around that they are still missing something and yet another department says they received the notice from my bank that the check belongs to my account.
Consumer complaint received 2022-08-29
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. (NY)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



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 rights 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 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

After receiving notification of this debt I quickly asked for validation. I was not in agreement on the amount and the charges for the debt ( reasons stated below ). I sent letters to H & W and XXXX All I received was the exact same validation information from H & W and no response to my statements about the inaccuracies. 

I lived at an XXXX property ( XXXX XXXX XXXX ) from XXXX. I moved out in XXXX of XXXX and left a very clean apartment with minimal wear and tear. In the two years I lived there, the turnover for other apartments was very heavy. Every apartment that someone moved out of, got new carpet, I watched this many times. Even apartments where the tenant was there less than a year. It said pet stains but my dog was 100 % bathroom trained and there are no stains on the carpet ( as shown in my pictures ) Additionally, they charged for cleaning appliances when I personally cleaned appliances and took pictures of appliances and every room before vacating the apartment. Also, I never received anything from XXXX, although they had my forwarding address. I had no clue about this bill until a collection agency contacted me in XXXX of XXXX.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I had XXXX XXXX XXXX XXXX due to XXXX It was the most deviating thing that has ever happened to me. I did everything in power to give that i could to help my brother but it was to no avail. Unfortunately because of this tragedy I didn't notice I wasn't paying for the Barclays account that I opened on XX/XX/XXXX. Still in the stage of grief I let my Barclays account go into collection. That account is the only collection and the only negative account I have on my report. Ive tried calling the bank personally and explaining what happened, nothing. Ive tried calling the credit bureaus to explain the situation and still nothing. Please, like I said this is the ONLY negative account i have on my report and it is greatly hurting my financial future.
Consumer complaint received 2020-09-28
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. (MD)

I have sent repeated request to Equifax to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires. 

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating
Consumer complaint received 2021-07-15
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: WELLS FARGO & COMPANY (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2022-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I have notified XXXX and experian several times that the XXXXXXXX XXXX account does not belong to me. The original contract of the account contains an invalid address that is not verifiable. The contract includes a name that is not my full name and a signature that isn't mine. I have provided valid Ftc reports to both XXXX and Experian but they refuse to remove the account even though the information on the contract is unverifiable and they have been notified I was a victim of identity theft.
Consumer complaint received 2022-08-29
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. (NC)

Greetings CFPB! 

I recently submitted two letters to *Equifax* Regarding Inaccurate information reporting on my credit report. XX/XX/XXXX & XX/XX/XXXX... It has *PASSED*the allotted time for response. As of XX/XX/2022. I have yet to receive a response. I have attached a copy of the letter/my identification and credit report document that shows the areas of inaccuracies.
Consumer complaint received 2022-08-29
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.0XXXX XXXXr XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-29
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/2020
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

In XXXX my XXXX asked if he could pay his rent using PayPal. To accommodate him I set up a PayPal account and he paid several payments on XX/XX/XXXX. System worked fine. The next month my tenant paid on XX/XX/XXXX. This time the funds were on " hold '' and he has been unable to release the funds. My XXXX says he has done all he can and that Paypal has removed the funds from his account. Paypal doesnt give me the option to speak to anyone, their dispute center says the dispute is with the " sender '' but the sender says they already took his money and he cant do anything else. Paypal is " floating '' the money as they say they will hold it until XX/XX/XXXX. I am put in a particular situation here as technically I have not received the rent therefore I should start legal action against my XXXX. However, my XXXX  says he has done all he can and he cant get a hold of a live person at Paypal either. This is a SCAM. I bet if you investigate Paypal you will find that they are floating customers funds illegally to the tune of millions. I have " submitted '' questions and complaints through there messaging center over five times over the last 11 days. How can this be legal?
Consumer complaint received 2019-09-11
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. (FL)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Equifax ( XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the XXXX, Equifax, and XXXX XXXX is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three disputes, XXXX, Equifax, and XXXX XXXX have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified.

Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove immediately.

In, conclusion, I have been maintaining careful records of my communication with XXXX, XXXX XXXX, and Equifax for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I am a co-signor for my son 's student loans. I have been paying Navient monthly for over 7 years without a missed payment. However, every year Navient has increased my monthly payments every year to the point where I can not keep up. Recently, I have made money order payments up and until XX/XX/2019. Navient has sent false and negative reports to my credit bureaus that I am currently 60 days late on my monthly payments. This situation with Navient is out of control. I need your immediate assistance on this matter. My credit score as of tonight has been negatively affective. The main location of Navient is located XXXX Delaware.
Consumer complaint received 2020-09-28
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: SYNCHRONY FINANCIAL (FL)

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at SYNCB/OLD NAVY with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called old navy on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Consumer complaint received 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Account Recovery Specialists, Inc. (KS)

Had verbal agreement with ARSI to make payments monthly with the understanding that the monthly payment would be shared with all accounts. By using ARSI website payments were entered and selected on all accounts. After further notice the website of ARSI did not distribute payments to all accounts as indicated on website. The company only selected a few accounts and paid limited accounts in order to gather more interest on accounts. Even some accounts were paid in full but still had a balance due to interest. This tactic seems to put myself in a revolving account by only paying interest and not disclosing this information to myself with the verbal agreement that ARSI had with myself that all any payments would be distributed evenly to all accounts. No written notice was given to me with negatively affected accounts that were reported to credit bureau after ARSI showed balance on certain accounts were not being payed. ARSI did not all myself to dispute any unpaid accounts because I was not properly notified.
Consumer complaint received 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (AZ)

Unknown unauthorized charges to my bank account have occurred without my knowledge and my bank wont even respond to my disputes, and pay pal was even less helpful. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX {$290.00} is what its on my bank statement.
Consumer complaint received 2022-08-29
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. (GA)

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00} CXXXX XXXX XXXX XXXX XXXX$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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)

The following Credit Reporting Agencies XXXX XXXX, Equifax XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to XXXX, Equifax XXXX XXXX with my demands after I file this complaint. 

Thank You XXXX XXXX
Consumer complaint received 2019-09-11
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. (KY)

My most recent FICO score says I have one late payment in the past twelve months. I have reached out to Equifax, XXXX XXXX, and XXXX, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, XXXX  are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on Equifax and XXXX XXXX, and no late payments on XXXX why is FICO incorrect and how does it get fixed? No one should have to go through this.