davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (VA)

Equifax has violated my rights and has caused me distress. I have been disputing inaccurate information with this company for several months. They have responded stating they would verify the information and never conducts the proper investigation. A proper investigation is performed when they interviews parties and they have failed to do that. Per their website in the Data Sharing Policy " they are required to keep a record of the consent and to provide a copy of it upon request ''. I have requested a copy of each consent and have not been provided with this information. Equifax assumed this role without my permission and without my CONSENT! Equifax has violated my privacy under 15USC1681 ( 4 ). They are not treating me fairly, they are being partial, and they failed to holdup their responsibilities. As a result of this inaccurate information I have been denied employment and stable housing. This company has also compromised my personal data in several of their data breach. As of result of this, my personal information has been placed on various websites and have been used by others.

I am request full removal of the following in accurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT REQUESTING A DISPUTE BUT A REMOVAL This information was placed inaccurately on my credit report, without my consent, and Equifax has violated consumer laws. 

I have spoke with several managers and they have advised that Equifax put all information given to them with verifying that the information is correct. 

I have also filed a report with the FTC
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (NC)

On XX/XX/2022. I was notified by XXXX XXXX XXXX that Republic Finance has changed my XXXX on time payment to a status of over 30 days LATE!. I have never been late on this account and no time did the company notify of missing payment. I make my payments online. I verified through my bank account ... ALL payments have been paid and there was never a problem with the payment going to Republic Finance.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (PA)

Someone in XXXX XXXXXXXX XXXX  tried to open a chime account in my name using my SS #. They had at least the last four digits of my social security number and my email. They had my full name also. I closed the account bc I received an email that the debit card was on its way. Below is the address they had the card shipped to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2022 I was approved by Chase for XXXX XXXX  credit card. I had received the card and gone to a big box retailer on the XXXX to make a large purchase of around {$1600.00}. Chase repeatedly denied the purchase despite falling well within my limit. I called customer service and spend a combined 40 minutes on the phone wile standing in line being passed around to multiple reps each failing to correct the issue. I was told to continue swiping the card and using contactless pay. Each to no avail. My time was being wasted, I was getting embarrassed at the prying eyes. I reached a supervisor who told me the issue should be resolved but it wasn't. I was unable to use my card to make a purchase. I had to use another form of payment and then cancel this card as it was unusable. I am upset about the hard inquiry to my credit dropping it for an unusable card and what I perceive to be an unreasonable wait time to have chase help me. Hence the complaint. I wish for the hard inquiry to cease to exist and hurt my chances of getting another card to replace the malfunct chase card.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX,XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NC)

I had sold and item thru XXXX  several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX. 
This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX  site, and they have blocked my access to it.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC (CO)

Sadly due to the downturn in the ecomony and loss of job we fell behind on our XXXX card. XXXX wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (MD)

Good morning The new American mortgage was keeping changing the amount we need to close and on close day the bank change the closing amount for more money and took our didnt count our deposit and gift money that they said we need it. Now we pay more than we supposed to and they stole gift money and more. They changed everything on the day we are sitting and signing closing documents. They changed 10 times ; XXXX XXXX, XXXX XXXX, XXXX XXXX, and more people that keep taking our file. XXXX and XXXX send and call my agent and I impropriety names also XXXX and discriminatory language was use by the bank. They never answer the phone ; is all fraud. They took our money and no explanation. I go XXXX from this people screaming at me and saying bad things to me and humiliated me. I cry so much because they treated me of taking my home and having my family and I in the streets if I reported them. Please help. Thank you so much XXXX and XXXX XXXX
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you
Consumer complaint received 2020-12-28
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. (WA)

XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

This is another bureau for which, when I attempt to use XXXX to get my free annual credit report as mandated by law, their website shunts and orders me to send in a mail form and has done so in the past.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, I purchased a wool cat bed as advertised on XXXX. The cat bed I purchased was shown to be a thick felted wool, blue and aqua in color. The cost was {$21.00}, with {$5.00} shipping, and I paid with PayPal, understanding that PayPal would back me up if anything was wrong with the transaction. 

About XX/XX/XXXX, a package arrived from XXXX. Inside were two pieces of rough grey material, a stiff, thin fabric. It was in two pieces that you zip together, unlike the one-piece bed shown on the website I had ordered from. It in no way resembled the cat bed in the photographs on the website. 

I filed a complaint with PayPal through their resolution center. Initially, the XXXX seller offered about half of my purchase price back ( about {$14.00} ), but that was not satisfactory. Then he or she offered a full refund IF I would ship the bed back to XXXX. Of course, shipping back to XXXX is very expensive, and would cost more than the cost of the cat bed, so I didn't do that. PayPal then closed the case in favor of the seller. 

I have since learned that this is a known scam. The scammer appropriates photos illegally from the XXXX. website, and publishes them on their own website. When buyers finally receive their shipment and see that the item is nothing like that promised, they are stuck. 

What particularly angers me about this is that PayPal enables these scammers, siding with them, and not the buyers. PayPal should be working to put the scammers out of business, standing behind the honest buyers. These scammers use the advantage of very inexpensive shipping FROM XXXX to the US, but the reverse is not true. They pocket money for items that they have no intention of fulfilling honestly. 

PayPal 's " we'll stand behind you '' guarantee is an absolute falsehood. They stand behind scammers, enabling fraud.
Consumer complaint received 2019-01-04
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 (CA)

I made the purchase of a puppy on XX/XX/XXXX from a company called XXXX XXXX XXXX. I used Paypal Credit to make the payment because of their promotional offer of 6 months no interest if paid in full. I received statements that showed they were charging me interest so I called PayPal Credit 's Customer Service on XX/XX/XXXX. The first representative looked at my account and said that the payment was paid as a Cash Advance instead of a purchase and did not qualify for the promotion. I called again and asked for a supervisor. We went through the Terms and Conditions where it said that a purchase is made to a merchant at a website, by telephone, or another authorized location. The company I paid had a website so I thought I was covered. The PayPal Credit supervisor said in the definition section of the Terms and Conditions that because I had made the payment using a link provided by the merchant it was considered a Send Money transaction, not a purchase, that did not qualify for the Deferred Interest promotion. If I had made the payment directly to the website the supervisor said I would have qualified. I feel that is not a situation that a consumer could understand when reading PayPal Credit 's Terms and Conditions and the confusion created is a deliberate effort to defraud.
Consumer complaint received 2022-09-23
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. (IL)

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-12
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. (IL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because  something is terrible wrong with XXXX. 

How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

On XX/XX/2022, I moved out of the apartments XXXX XXXX. Prior to moving my roommate and I signed documents to end the lease in 30 days. Which would have been to move out XX/XX/2022. On XX/XX/2022, I received a dept collection letter in the mail saying I owed {$3400.00}. I then called XXXX XXXX but they never gave me an answer. I ended the lease and I still dont know why I was charged rent for three month.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AXOS FINANCIAL, INC. (NY)

Received a credit card from Axos bank in mail on XX/XX/22. Not in my name but my address. Call XXXX fraud and reported it. Spoke with XXXX. He verified the account was set up not with my phone number nor my email. He closed account. Told me to contact main bank on Tuesday XX/XX/22 as banks closed XX/XX/22. Need to be sure other accounts have nit been opened linked with this card.
Consumer complaint received 2020-12-28
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)

On XX/XX/2020 I reported 3 unauthorized inquiries to Equifax and creditors. 
After more than 30 days of the complaint, neither the creditors nor the XXXX have removed these unauthorized inquiries, nor validated them. 

Per FCRA the XXXX and the creditors have 30 days to verify or remove the unauthorized inquiries and both Equifax and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Consumer complaint received 2022-10-10
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)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-12-28
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. (TX)

Equifax should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (WA)

I am in the XXXX XXXX, I currently am XXXX in XXXX XXXX. In XXXX I was made aware of an account in collection for an account opened in my name via identity theft. I called the XXXX XXXX Police Department on XX/XX/XXXX at XXXXPST. The case number is XXXX. The account was opened in XXXX Texas with XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. The account went delinquent on XX/XX/XXXX in the amount of {$3200.00} and was turned over to Hunterwarfield on XX/XX/XXXX. I have submitted an affidavit and the account number with Hunter Warfield is XXXX.