davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
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. (KY)

I filed 2 disputes on XXXX XXXX a debt collector reporting to Equifax in XX/XX/XXXX both came back as allegedly mine. I left it alone infrustration. XX/XX/XXXX I made contact and requested updated report from Equifax on XX/XX/XXXX. Recieved the report and called with a list of inaccurate information including XXXX XXXX {$320.00}. I called on XX/XX/XXXX to confirm seen changes and the dispute under investigation. In XX/XX/XXXX I became homeless and inneed of credit for housing which was denied based on the XXXX account. I've made several attempts calling every agency involved at this still remains on my report. XXXX & Equifax would not provide disclosure statement that my rights give me permission to. XX/XX/XXXX most recent report does not disclose the information being used against me with XXXX. They advised they would have to make contact with the original debter ( XXXX ) who sold the debt to these agencies. Equifax will not ackowledge the law & remove it based on the lack of information and several attempts to fix this matter even after providing Ftc report & letters from your department XX/XX/XXXX they say they have no recollection of your forwarded complaint from me. I have a response that contradicts the facts they alledge.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. ()

My names are XXXX XXXX XXXX based in XXXX have an account with CHASE MANHATTAN BANK U.S checking account number : XXXX the Company handling my money have not reviewed the funds available in my account and not able to transfer my funds to XXXX to my local bank account. 

Please i request your good office to help me how to receive my money via XXXX because XXXX advised me that XXXX can not receiving country.According to foreign policy please help me to withdraw my money and be sent to my bank account in XXXX i have an account with XXXX XXXX XXXX In XXXX.My appeal is that as owner of this account i need authority to receive pass instruction to my banker to transfer funds to my Country, but i have no contact details for my Bank in U.S.Any correspondence is between Me and XXXX which i feel my rights is violated concerning my account. 

Thank you in advance for your favorable response into my appeal and hope that transparency will be exercised according to foreign protection.My Contact details : email XXXX Phone : XXXX
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


SYNCB/AMAZON ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Consumer complaint received 2022-08-01
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. (FL)

I have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.
Consumer complaint received 2018-11-01
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. (NC)

XXXX XXXX XXXX  has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off on XX/XX/2018.
Consumer complaint received 2022-07-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have 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 an account with my written instructions
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A. (CA)

I have a Mortgage Loan with PNC Bank and I have setup Auto Payment with no End Date, which it said that it will scheduled till End of the Loan. But due to some glitch or error in PNC online Banking the auto pay ended on XX/XX/2019. So the payment was not made and account was reported as delinquent to credit agencies. I have reached out to PNC and requested to correct the report as it the the fault of PNC but they responded they reported accurate information.
Consumer complaint received 2018-10-31
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the Equifax leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (AZ)

SYNCB/ JC Penney account is from XX/XX/2011 payments were made for a while and then account was closed and charged off I contacted the company and it was suppose to be removed disputed on XXXX  a few years ago.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Consumer complaint received 2022-07-27
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 (WI)

i created my first only venmo account to accept a payment from my boss, for previous hours that i had worked. my boss sent me a {$250.00} payment less than 5 minutes after creating the account, and as SOON as i tried to transfer the funds into my bank account venmo froze my account without reason and refused to let me use or transfer any funds in my account for the past 3 weeks!!!!!! i have been contacting them EVERYDAY. with their phone reps hanging up IN MY FACE time after time saying they cant help over the phone, but to " reply to the account frozen email '' that they sent me and theyd reply within 48hours there, WHICH WAS A LIE. i have been calling them for weeks and EACH TIME THEY REFUSED TO HELP ME AT ALL ; EVEN AFTER THEIR SUPERVISOR TOLD ME THAT VENMO 'S APP GLITECHED AND WRONFULLY CAUSE THE FREEZE, THE STILLL REFUSED TO HELP. SO i filled out their online contact forms, that LIE AND FALSELY SAY THEY'D CONTACT ME WITHIN 24 HOURS FROM WHEN I COMPLETE THE FORM. ITS BEEN WEEKS SINCE I FILLED OUT THE FORM AND THEY REFUSE TO CONTACT ME. EVEN AFTER i submitted EVERYTHING THEY FORCED ME TO ( ie. my drivers license, my social security number, birthday, address... that i sent to them the SAME DAY that they wrongfully froze my account. ) i am STARVING AND COULD USE THE MONEY I HAVE IN MY ACCOUNT BUT THEY WONT LET ME FOR ALMOST 3 WEEKS AND I HAVE A RIGHT TO IT. i have done absolutely NOTHING WRONG. ITS NOT FAIR TO ME I HAVE MONEY IN MY ACCOUNT BUT I HAVE TO GO HUNGRY BC VENMO REFUSES ME ACCES, STATING THEY COULD GIVE MY MONEY BACK TO THE SENDER BC OF THEM wronfully freezing my account. they still refuse to help even AFTER submitted this case to the XXXX. who gave my you guys ' information. ive emailed Venmo for WEEKS BEGGING AND PLEADING TO unfreeze my account but THEY NEVER RESPOND. I need and deserve access to MY MONEY, i have a child. how can they treat me like this and get away with it.
Consumer complaint received 2018-10-31
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. (GA)

I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.
Consumer complaint received 2022-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX xxxxxxxxxxxxxxxx XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late XXXX XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (CA)

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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

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.
Consumer complaint received 2022-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the Equifax Credit Bureau ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-27
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. (TX)

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.

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 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 of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Farrell Holdings, LLC (CA)

In XX/XX/2012, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to XXXX for 6.5 years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending 6.5 years in XXXX on an XXXX XXXX as ruled by the Utah Court of Appeals in XXXX of this year. 

PLEASE HELP. Name of Collection Agency is XXXX XXXX XXXX in Utah. 

Thank you.
Consumer complaint received 2022-08-01
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: AMERICAN EXPRESS COMPANY (TX)

My SSN and passport was stolen and seems like this people already tried doing bad use of my personal information. 

I received an inquiry from American Express that I didnt do or authorized, so I believe they will continue trying to make things like this. 

This happened between yesterday and today ( XX/XX/2022 ) but I just received the notification
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I've reached out previously about inaccuracies on my consumer report. I am completely stressed and XXXX XXXX because of it. I havent been able to work and have lost weight and my hair is falling out.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (OK)

I have had several instances with XXXX XXXXXXXX XXXX where I pay my bill, and they cash the checks then turn me over to a collection agency called Receivable Management Group Inc. 

More recently, I saw a bill for {$47.00} from XXXX XXXX XXXXXXXX & paid it IMMEDIATELY with my banks bill pay system. The bank shows where the check was cashed on XX/XX/XXXX. On XX/XX/XXXX, Receivable Management Group Inc sent out a notice they were trying to collect a debt in the amount of {$47.00}. I called the XXXX XXXX  XXXX, and they said I had not made a payment since XXXX ( which is ludicrous. We had this SAME issue in XXXX, and I had to get a copy of the cashed check from my bank and send it to them ). XXXX XXXXXXXX XXXX just turns everything over to this collection agency, like I dont pay my bill, and this is ridiculous! In fact, Receivable Management Group Inc is the collection agency who cashed my check last year. They endorsed the back of the check with their stamp. 

XXXX XXXXXXXX XXXX has no right to turn me over to a collection agency when I pay my bills. 

Please stop them from this illegal and bad behavior.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

We paid off a loan at XXXX XXXX XXXX XXXX. The loan was paid by The Money Source. We were told by The Money Source that we would get out money from the Impound account after closing, which should had been around {$1300.00}. XXXX XXXX XXXX sent is a check for XXXX and some change and told us that they accredited the impound account to the payoff of the loan. We were never informed of this procedure. No signature took place or any information was given regarding this. What we are saying is we never agreed to do this with The Money Source or XXXX XXXX XXXX. The Money Source said that they did not know companies did this. On the Borrower 's Settlement Statement it shows the Homeowner 's Insurance {$850.00} and Property Taxes {$500.00} in the closing of {$170000.00} which was paid by the Money Source. The Money Source got the escrow account and has put it all on XXXX. XXXX. had no rights to take our Impound account and apply it to the closing of the loan. This was reason we had The Money Source to pay off the loan. My husband and I feel that both the companies are giving us the run around. We never received any signing documents stating this was going to happen. XXXX XXXX at XXXX XXXX XXXX is the loan officer and XXXX XXXX at the XXXX company
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

My mortgage was purchased by Mr. Cooper in XXXX of 2022. At the time my payments were on auto pay with the old mortgage company, and immediately placed on auto pay with Mr. Cooper. There was an outstanding balance ( equal to one payment ), and when I inquired about it, they said they have to give it up to 45 days for the transition to work out, and not to worry about it, they will contact me if there was a problem. Six months later I get a notice that my auto pay will not be honored because there is an outstanding balance, and that my account was considered in default. I called and upon researching, found the final payment with my old mortgage company was not applied correctly. I immediately made an additional payment to correct the situation. Mr. Cooper still reported the account delinquent, and now my credit is destroyed. I requested that they remove the derogatory report since it was an administrative error, and I made an extra payment immediately upon being advised of the problem, and they refuse. They never gave me the opportunity to fix the issue, and refuse to correct it now. I did not ask for this company to purchase my mortgage, and this would have never happened if they didn't.