davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-08-03
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. (NY)

On XX/XX/2022 I sent mailing via Certified mail # XXXX XXXX XXXX XXXX XXXX they received it on XX/XX/XXXX. The letter states that it is my formal demand to immediately cease all reporting of inaccurate and incomplete credit information ( HISTORY ), on my consumer credit file. 

FACT : Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate, after reviewing my consumer report on XX/XX/2022 I was made aware of these inaccuracies on my consumer file, this ( adverse ) action by Equifax is unfair, unlawful, and just violates my consumer rights. 

As a consumer I was never notified in any manner when this inaccurate information was first furnished on my consumer file, I was never notified when Equifax conducted its Initial investigation, or that Equifax would be reporting this information. 


They only removed one account XXXX XXXX and updated the other account they never verified any information and contacted me they never did a proper re-investigation On XX/XX/XXXX they added remarks to the remaining account but didn't remove them
Consumer complaint received 2022-08-03
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: Experian Information Solutions 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 2022-04-19
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)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$4000.00}
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clear Recovery, Inc. (NE)

I had a medical bill at a collection agency and it was transferred to Clear Recovery. They did notify me of this transfer and I received one bill from them then two weeks later I began receiving letters from lawyers saying that I was being sued for that medical bill but I never received notification of the suit. I tired to access my account to make a payment and I can not even access it. 
I received an undated bill from Clear Recovery for my XXXX XXXX XXXX service date XX/XX/XXXX of {$740.00} in late XX/XX/XXXX. Then a few days ago ( XX/XX/XXXX ) I received letters from lawyers about supporting me in the suit. As of today ( XX/XX/XXXX ) I still can not access my account or received notification of the suit. 
I have had a bad experience previously with Merchant Credit Adjusters which is the company Clear Recovery is apart of. They harassed me with repeated aggressive phone calls with threats and refusing to work with me on setting up payments.
Consumer complaint received 2022-12-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I WAS ON A PAYMENT PLAN WITH FREEDOM MORTGAGE, I NOTIFIED THEM IN XXXX VIA PHONE CONVERSATION THAT MY HOME WAS PENDING SALE, ON XX/XX/2022 I ASKED THEM FOR THE PAYOFF BALANCE, AND IT WAS GIVEN TO MYSELF AS WELL AS MY REALTOR. I OWED XXXX MY HOME SOLD FOR XXXX I RECEIVED A CHECK FOR XXXX. THEY STATED MY HOME WAS IN FORECLOSURE AND I NEEDED TO PAY ATTORNEY FEES, A HOME CAMT BE SOLD IF IN FORECLOSE, I WAS NEVER SERVED BY AN ATTORNEY, I NEVER WAS SENT ANY CERTIFIED MAIL OF A POSSIBLE FORECLOSURE, I AMM ASKING THAT ALL ATTORNEY FEES BE RETURNED TO ME PROMPTLY, AS FAST AS THEY TOOK THE FUNDS RETURN MY MONEY SHOW PROOF OR JUST CAUSE WHY I WAS HARGED ATTORNEY FEES, ND NEVER SERVED WITH FORECLOSURE NOTICE, NO ADD IN PAPER, NO COURT DATE, NO ATTORNEY OFFICE ON RECORD, NO CERTIFIED LETTER,
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc. (CT)

I signed up for the Sofi Credit card via a referral link. The link indicated we would both get ( the person who referred me and myself ) 4 % cash back for the first 30 days. We only recieved 2 % cash back. The company refuses to give the extra cash back.
Consumer complaint received 2020-11-10
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: GOLDMAN SACHS BANK USA (NY)

This item is appearing on my credit reports whereas I had not intended to have this product. 
Once I found this card in the mail I had immediately contacted the company that it is not a product I intended to apply for. 
I had never activated the card and requested from the company it be closed and deleted from my credit reports. The agent said that it will not be reported since I had requested closure within 30 days. 


APPLE CARD/GS BANK USA XXXX StatusPaid, Closed/Never late. 
Account TypeCredit card Balance- Date Opened XX/XX/2020 Dispute
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (FL)

On XX/XX/2021 at XXXX XXXX, I received an email correspondence from Williams and Fudge regarding a debt they are attempting to collect. I informed the aforesaid company that I did not attend this school, and that any correspondence should occur via the address they have on file. My reply was sent on XX/XX/2021 at XXXX XXXX. 

Since this encounter, I have received no further communication from Williams and Fudge. I have not received any information validating this debt. However, they have managed to report this unsubstantiated and unverified account to the credit reporting agencies in violation of FDCPA.
Consumer complaint received 2022-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I did not receive a letter from Credit Collection Services stating I can dispute this item. When it appeared on my credit report I disputed it and they verified it and placed a disputed note on my credit report. I do not owe the debt collection agency because they purchased this account and that is against the law. This is causing me financial distress. Please prosecute them to the full extent of the law. 

Be advised that your claim is disputed, and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MO)

On XX/XX/XXXX, Barclay 's Windham Rewards card took a payment from my bank when there was a {$0.00} balance because I had auto payment turned on for the statement balance, but I had made a payment in full by check before that autopay date. I even received an overpayment refund from the last payment. On XX/XX/XXXX, I advised them they took money from my bank when no payment was due. They informed that a refund could not be processed until 7-10 business days have passed from the date payment posted. I have reached out to them on multiple occasions only to get the same response. 
Additionally, they can not process a refund in the same manner they took it. I have to wait for a check. I have been debited {$2400.00} since XX/XX/XXXX. There still has not been a check issued to me as of XX/XX/XXXX.
Consumer complaint received 2021-11-10
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: DISCOVER BANK (NJ)

Credit report shall present the information material enough to judge the creditworthiness of consumer instead of pursuing the maximum possible accuracy. As FCRA principle stated Reporting agency XXXX which I am complained must correct the report records if credit card business which I complained as well fail to perform the obligation of fair reporting principle. The amount involved negative activities on my credit report are under {$5.00} which due to mistakes made by business, however it causes my credit score dropped by almost 300 point, from XXXX dropped to XXXX. I am complaining that reporting agency XXXX fail to execute its obligation and its not fair demonstration of the creditworthiness on my credit character. 
secondly, I filed these disputes back to XXXX XXXX however the exact same negative account came back again on this year, and XXXX did not do anything to solve the problem but let me keeping filing dispute and waiting responses after numerous callings. Such misreporting lack of materiality should not be disputed at the first place. However XXXX let it drag down for 3 years and cost consumer damage because of {$5.00}.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX  account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2021-11-10
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. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$4600.00}, XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2021 an order was placed on XXXX  with the order subsequently being shipped to the provdided address. On XXXX, XXXX I received a notification of a case being opened through Paypal, XXXX XXXX payment processing company, due to " the buyer stated that they did not receive their merchandise. '' Proof of delivery was provided and was logged on XXXX On XX/XX/XXXX I received an email, again from paypal that " We're happy to confirm that the following transaction was covered under Seller Protection because you met the PayPal Seller Protection requirements. '' Today, on XX/XX/XXXX, I received notification that again " The buyer stated that they did not receive their merchandise. '' and " We were unable to verify the delivery information you provided. '' USPS tracking is only good for 120 days so, of course, the will not be able to verify delivery any longer. Paypal has closed my account and threatened my credit score due to the actions of a perpetrator of mail fraud ( I personally know two others that have had claims on them by the same user ) that continues to do business on XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.
Consumer complaint received 2021-11-10
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)

The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (OH)

In 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 right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

I am writing this to inform you that the funds from escrow were not sent to my account. 
After the loan for XXXX XXXX XXXX XXXX NY was paid off in XXXX after being sold, {$71000.00} was supposed to be given to M & T bank as paid off. 
When I called about it, I was told that the escrow department used the remaining to pay off the loan in XXXX according to XXXX XXXX. 

However I have made the payment on {$1100.00} for the payment in XXXX. 

Keep in mind, I was not asked nor did I give any instructions to apply the remaining Escrow funds to be used or applied to any loan balance. I was expecting the remaining money to be deposited to my checking account after it was paid in full. 

I request information on where the remaining money went to and I request that the remaining money be deposited to my checking account. 
I am sending documents that support what I stated. 

According to the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. ), within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

This is not the first time that M & T Bank failed to provide accurate balance information. 

If you have any questions, let me know.
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX/ XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

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 items of information other than records of convictions or crimes wich 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 2022-08-03
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance XXXX {$6200.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.