davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (GA)

this company previously removed and randomly readded to my credit starting with a newer date to re age the debt which violates statue of limitations and FCRA. 

furthermore the original creditor XXXX had already let me out of my contract due to poor service and not being able to keep their side of the contract with the cellular service. 
please delete and do not re add. 

and stop calling my work phone telling me ur a lawyer and to pay or u will take action having me arrested.
Consumer complaint received 2019-09-09
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. (WA)

On XX/XX/2019, I tried to obtain in-store credit line ( from XXXX XXXX XXXX ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from DataX ltd ( an equifax company ), XXXX XXXX NV. I reached out to DataX to get the report they sent to XXXX. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at DataX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from DataX, Ltd, I obtained 2 of my 3 free credit reports for the year from XXXX and Equifax. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call XXXX with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
Consumer complaint received 2022-08-27
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: Capio Partners, LLC (TX)

There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! 
Help plz XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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: CBC Companies, Inc. (CA)

This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX Innovis XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in XXXX on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( negative {$700.00} ) The company XXXX XXXXXXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NH)

XX/XX/2021 I had 5 credit cards that Synchrony Bank was the creditor : Belk, TJX, Amazon Prime, Gap and Pay Pal. Suddenly these accounts were closed. I received letters from Synchrony stating that the reason the accounts were closed : Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. 

I don't understand why this has happened. I have never been late in paying for my cards and I have been most recently paying the cards directly through electronic transfer from my bank. I had them on auto pay to pay them on time. 

I did not owe a vast amount of money to any of these cards. I paid off the balances tonight except for the Gap which will require a little more time. 
The customer service representatives would not give me any information on the cancelling of these accounts except to say I would receive a letter. Now I have the letters which don't offer a reasonable explanation based on my payment history. 

The cancelling of these credit cards trashed my credit rating. I found out about the cancellations through a report from XXXX XXXX when I noticed the credit rating drop, I guess due to the fact that I no longer had the amounts of credit that had been granted to me through the now cancelled cards. 

An additional slap in the face was a denial of a new Amazon Prime credit card application that I submitted through XXXXXXXX XXXX. I imaging that will also negatively affect my credit score. 

I don't understand why paying down my credit cards resulted in the removal of the credit. Could it be that I am about to turn 70 in a few days?
Consumer complaint received 2019-09-09
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. (TN)

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2019-01-14
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. (OH)

I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, XXXX XXXX XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
Consumer complaint received 2022-08-27
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: CORELOGIC INC (CA)

This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX bank ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Consumer complaint received 2022-08-27
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 2022-08-27
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: EQUIFAX, INC. (AR)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed.

I sent them multiple of letters concerning my credit reports.

As a consumer it is my right for them to follow FCRA laws.
Consumer complaint received 2020-09-26
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. (TN)

I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NM)

It started with a emailmessage from a XXXX XXXX to XXXX XXXX A message from Paypal Helpline - XXXX You authorised a payment of {$690.00} USD to ( XXXX XXXX Thanks for using PayPal. Please check the complete transaction details below. 
If you havent made this purchase call PayPal immediately at " XXXX to report and block this transaction. 

So I called the above number and denied this transaction they asked me type in an address in the browser so I did the next message was to type in a code so I asked about a code they gave me one to type in as soon as the code was typed in I lost control of my computer no matter what I did to this day XX/XX/XXXX they still had control of the computer they would not tell me what they doing they said they were transfering the {$700.00} into the bank account XXXX to cover the {$690.00} with-draw-al from the account but insted of {$700.00} a typo was made to {$7000.00} and so now te account showed a balance {$7000.00} so now they wanted their money back but they could not make the reverse transfer work. So they had me go to XXXX XXXX and get 7 Gift cards at a {$1000.00} apiece which I did and charged them to my XXXX credit card Today XX/XX/21 they called and wanted me to go to the bank and withdraw {$21000.00} in cash and mail the money to them but I refused to do so the conversation was some what heated. Later on I tried to get to the consumer finance.gov address but they closed down all the address tabs and locked the computer so I shut computer off and took the computer to the computer shop where it is now for a cleaning and a fresh reload of XXXX XXXX. The people I was talking to, probable were not people representing Pay Pal. Who knows, They had me believing i was doing the right thing that they do these procedures all the time. I went to another computer so i could look at my bank accounts, with out being interrupted, and saw that they did not transfer any money into the bank account, they just moved some of my money, from one account to another to make it look like they deposited money into the account that they claimed to have charged to and then wanted the gift card information to get the money they claimed to have deposited.
Consumer complaint received 2022-08-27
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: LEXISNEXIS (CA)

This is to inform the CFPB of the bad practices XXXX XXXX XXXX LexisNexis XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Consumer complaint received 2022-08-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

In my last communication with the company they referred to me a case XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021. I donot belive this case is applicable and can be basis to my situation for several reasons. One primary reason is the Deed of Trust ( DOT ). What servicer does with respect to its Default/Acceleration should follow whats documented in the DOT. I wanted to confirm that what servicer did in XXXX case was what is really documented in his DOT. In my case what servicer did is what is documented in my XXXXXXXX DOT. 

The conclusion is that XXXX XXXX is different than mIne XXXX XXXX. Without knowing what is contained in XXXX Deed of Trust I can only presume that his DOT refers to primary mortgage which is quite detailed and not XXXX like mine. I would like to get a Copy of the DOT and NOTE of XXXX case before going further. The DOT and NOTE are public documents and are referred in the case so the company should not have issue in sending me the DOT and NOTE.
Consumer complaint received 2020-09-26
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. (TX)

when i reach out to XXXX  and equifax about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate XXXX for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I have been a Chime member for over three years. I have had nothing but a positive experience until XX/XX/XXXX, when my account was hacked, and money was stolen from me. I had previously heard of other members experiencing fraud through Chime, but I refused to accept it. On XX/XX/XXXX, I received a notification from Chime indicating that my app had been accessed from a new location, and a new device. Immediately following that notification, I received another one stating that a transfer in the amount of {$360.00} was made to XXXX. I tried logging into my app shortly after, in hopes of figuring out what had transpired, only to see that I had been completely logged out of my app, and the password was reset, preventing me from logging back in. After this unauthorized transaction and failure to log into the app, I contacted Chime by phone in hopes of having the matter resolved quickly. Instead, I was met with customer service agents who went through the motions of investigating my case. These agents submitted a dispute of the transaction, and in less than 24 hours provided an update indicating, Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Despite providing several screenshots of proof that I did not authorize any payments to any person, and proof that my account was accessed from a different location and device, Chime customer service failed to help me. In all of the years that I have used Chime, I had only used the Pay Friends feature, to make transfers between my fathers account and myself, therefore it is impossible that I would have made any transfers to other individuals. I am still arguing with them in hopes that they will return my funds.
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

Created account long before phone # required. At some point Paypal suddenly required phone # to log in. NO alternate way to " verify '' account. Providing phone # requires acceptance of Paypal 's terms which include allowing them to market/harass at that number. These are unacceptable terms, therefore there is no way for me to log in. 

After multiple attempts closed account on XX/XX/XXXX. At that time was told there was no way to delete my information unless I logged in. Since I can't log in because I don't want Paypal to have any more of my information, this is a most brilliant Catch-22 doublespeak. 

Was told Paypal " might '' be able to delete data. Never received any further communication. Multiple emails sent to multiple addresses on XXXX, XXXX. No response. 

All personal information should be purged from Paypal databases.