davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

To whom it may concern : On XX/XX/XXXX, I took out a Mortgage in the amount of {$240000.00} with XXXX XXXX XXXX XXXX XXXX. 

Thereafter, I fell behind on my Mortgage payments, and I signed a Loan Modification agreement on XX/XX/XXXX with XXXX XXXX XXXX ( by Loancare LLC, as Agent under Limited POA ). The terms of the loan modification agreement were as follows : Unpaid principal balance to XXXX : {$170000.00} Unpaid principal balance to HUD ( serviced by ISN ) : {$71000.00} Presently, I am closing on my home, and XXXX, through their Attorney, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, has sent me a payoff with what appears to be an incorrect unpaid principal balance to XXXX. 

XXXX is now claiming that my unpaid principal balance is : {$230000.00} I believe that this amount is incorrect, because the payoff to HUD ( serviced by ISN ), states that I still owe HUD {$71000.00}. I have alerted both the Lender ; and the Title Company handling my closing has notified their Attorney of this issue. Unfortunately, to date, neither has corrected the issue ; or provided supporting documentation to account for the additional {$64000.00} that XXXX is claiming they are owed.
Consumer complaint received 2021-08-04
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. (IN)

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, Equifax and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Consumer complaint received 2022-10-17
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: CITIBANK, N.A. (CA)

I have made {$28000.00} in purchases on my Citi card this year. 

I have paid {$29000.00}, and yet my balance continues to be shown as anywhere between {$2000.00} - {$2500.00} on closing statements. 

I have called the credit card company 4 times. Each time they are less & less helpful. 
I have spoken to supervisors 4 times, and I can not get them to resolve the matter. 

I want my account audited, because the way they close their statements, it is difficult for me to pin point where the error on their part was made. 

I have all statements and running tally of amount I have paid from my bank account as proof that there has been an error committed on their part. Yet every time I call and speak to someone, they refuse to look at the full account.
Consumer complaint received 2020-02-22
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 have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX/XXXX  XXXX XXXX XXXX.
Consumer complaint received 2022-05-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account account # XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XX/XX/2019, I went into a U.S. Bank branch to open up a U.S. Bank Business Silver Checking account along with a U.S. Bank Platinum Business Money Market Account. There was also a promotional offer where I would receive {$400.00} bonus if I deposited {$5000.00} in new money into the account within 30 days. On XX/XX/2019, I made my first deposit of {$3000.00} and I made another deposit of {$2000.00} on XX/XX/2019. The flyer states that I will receive my bonus within 45 days after deposit verification. From XX/XX/2019 to XX/XX/2019, it has been 76 days. The banker who helped open my account made certain that the promotional code he entered was correct, but I'm unsure why there's such a long delay of my bonus posting. Also, the banker mentioned that there would be three statements worth of fee waivers for the U.S. Bank Platinum Business Money Market Account, but I've been assessed the second and third statement fees on XX/XX/2019 and XX/XX/2019, respectively. I contacted the banker and he said he'd get back to me once he hears back, but I haven't heard from him since.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (FL)

I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (FL)

I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights.

Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )
Consumer complaint received 2019-06-28
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)

EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE  XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE
Consumer complaint received 2022-01-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I purchased a {$2400.00} firearm from a person on XXXX website on XX/XX/XXXX, and the person started to communicate with me through emails to arrange my payments. I sent the person {$1400.00} through Venmo app on my cell phone on XX/XX/XXXX. My Venmo account was connected to my XXXX XXXX checking account, when I sent {$1400.00} to the person, the {$1400.00} was instant available to the people on XX/XX/XXXX. 
I got an email from XXXX on XX/XX/XXXX and the header is ** Do Not Send Payment**. This email also states " there is a chance the transaction could be fraudulent and the sellers account has been compromised ''. My order was cancelled by XXXX but I have made payment to the person, so I tried to get my {$1400.00} back from the person. I saw the transaction was posted on my XXXX XXXX account on XX/XX/XXXX. I contacted XXXX XXXX and Venmo customer service on XX/XX/XXXX by phone, but they could not help me with anything for this transaction because I initiated it. I emailed the person and tried to request my money back from Venmo app but the person did not do so. I have reported this incident to my local police department on XX/XX/XXXX. I do not have the person 's any bank information. The Venmo app money transaction between the person and I was easy and very very dangerous. All we need is the Venmo account ID then we can send or request money from the other person. Using Venmo app to send money is very unsecure and non reversible especially I am not familiar with the app. When I realized it was a scam everything is too late, the scammer already got my money, and Venmo company can not do anything to get my money back.
Consumer complaint received 2022-12-29
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: PRESTIGE FINANCIAL SERVICES INC (LA)

I did not give any of these companies my permission to use my information. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I recently open a account at Citibank on XX/XX/XXXX a checking account as well as a savings I put a nice amount of money into my savings and had started direct deposit from my employer also I had a nice amount of money in my checking account today XX/XX/XXXX XX/XX/XXXX I received a letter in the mail that my account is now closed I dont know why I do not have no fraudulent activities on my account I am a working hard-working woman that deserves a checking account with a bank or credit union please help me with this action as soon as possible thank you
Consumer complaint received 2022-08-26
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX : {$11000.00} XXXX XX/XX/2021
Consumer complaint received 2022-01-13
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 ()

XX/XX/2021, my paypal account was banned from paypal, I cant withdraw my money, they will hold my money in 180 days, I don't have any violation, I hope you will help me to get back my money thank you
Consumer complaint received 2022-08-24
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. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-05-17
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)

I received my reports and noticed Equifax were in violation of my rights as a federally protected consumer. 

On XX/XX/XXXX, I sent them certified mail with the tracking number being ( XXXX ) which was received XXXX XXXX XXXX letting them know that I had not given them consent to furnish any information pursuant to 15 U.S.C 1681b ( a ) ( 2 ) which is also Aggravated identity theft pursuant to 18 U.S.C. 1028A.

These accounts reporting on my file has caused me pain for years, from sleeping in cars, not having the proper transportation for me and my child and plenty more.

As a Credit Reporting Agency this business shall operate under all federal laws which they are not doing and again means they are violating my rights as a federally protected consumer.
Consumer complaint received 2022-01-13
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (HI)

I have provided Chase numerous pieces of documentation to support the claim we vacated the cruise took a plane because our room was double booked. I disputed the matter with Chase because fraud charges were made before and after boarding the cruise. I attempted to dispute the charges, the merchant is alleging services were rendered however services were NOT rendered because we left. I am asking for the charges to be disputed as fraud and returned back to the merchant. Chase has been not helpful in this process nor has XXXX XXXX XXXX.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (WA)

I was told by XXXX XXXX that I was pre-approved for a credit card. I was then denied by that credit card company when I applied and my credit score went down. I would never have applied for the credit card had I known I was not actually pre-approved.
Consumer complaint received 2022-05-17
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: Checkr, Inc (TX)

I submit to another background check to do XXXX eats for XXXX. I consent to a background check with checkr that I assumed would only go back 7 years as they previously did. Checkr supplied adverse information on my background report to XXXX from 20 years ago. XXXX does not pay $ XXXX a year and I have never earned that from XXXX or any employer.
Consumer complaint received 2022-05-17
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. (LA)

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

15 U.S.C 1681 section 602 A. States I have the 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Luckmore Finance (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAILXXXX DIFFER FROM XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX LAST REPORTED- DATE DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
Consumer complaint received 2022-10-17
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. (MA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; COLLECTION Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-05-18
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 ()

I got my fund from selling crypto. These are as follows : XXXX USD. XXXX XXXX USD. XXXX XXXX USD. XXXX I am using my paypal account for my online transactions. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.