davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I have a Hunter Warfield account across my XXXX credit bureaus with the # XXXX. Personally, I, XXXX XXXX living at XXXX XXXX  XXXX  # XXXX XXXX XXXX, FL XXXX through all my years on this Earth and living at this address the past 10 years have never one came across or did business with the company listed above. The activities they are engaging in is illegal and I am willing to proceed with legal action if I don't get a response within 15 days with this unknown debt of {$18000.00}. I have had my identity compromised in the past however, this is absurd and according to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy amount other things which Hunter Warfield are in violation as I never gave you my information directly, and I, XXXX XXXX a consumer in fact, agree with Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. code 1692 ( e ).
Consumer complaint received 2018-05-26
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. (NY)

XX/XX/2018 I am being hit with a 2 separate hard inquiry from XXXX XXXX which was fraud and I never applied or tried to apply for any XXXX XXXX. 

I have called XXXX once I found out about this through XXXX XXXX   and told them about the fraud and that this was not authorized by me and if they can remove the hard inquiry due to the fact that this wasn't me
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo reported incorrectly on my credit report. I have attached two credit reports that they have two different ratings. I have paid off a collection account in 2019 through a settlement they offered me. All payments were made through my Wells Fargo account. Last week through XXXX XXXX, I had been alerted that Wells Fargo reported inaccurate information. I am in the middle of purchasing a home, and because of this inconvenience, it has dropped my credit score over XXXX points.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

RE : XXXX XXXX XXXX Synchrony Bank XX/XX/XXXX - I paid my entire credit card balance in full prior to the due date. The payment was processed and my credit card account had a zero balance. The following week, a new payment of {$690.00} was automatically deducted from checking account by Synchrony Bank which created a credit balance. As soon as I noticed this over payment, I called to request a refund on XX/XX/XXXX. I was informed a refund would be sent within XXXX days. I received no refund. 

I called again on XX/XX/XXXX and the customer service representative confirmed the communication and my request to receive a refund. The request had been submitted but no refund check had been issued. ( I waited longer than XXXX days to receive it and still no refund. ) Additionally, I was informed by an account manager that the company had been experiencing system issues. I placed another request in which I was informed it would take another XXXX  days to process. My only option to receive a refund is via paper check and through the US mail. If a payment can be taken electronically than a credit should be issued electronically as well. 
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Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report.
Consumer complaint received 2022-08-17
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX received a email from Paypal saying my balance of {$300.00} was on hold for 180 days and my account is now closed, with no details as to why. Only referred link to possible violation of terms, which is countless terms of various topics as to why accounts could be terminated. So shortly after contacted support via phone support, was told they don't disclose reasons as to why the closure, and have fair right to withhold funds on balance for 180 days even if with any non or current compliants ever on record against my current character as a person or consumer. Was told for myslef to file for supmonea to force them to supply why to me..Which is non-sense, one as lay person I cant directly optain Suponea from a judge. Would have to file police compliant then they file to prosecutor, and then prosecutor optains a would be suponea for myself. Which surely could take actually over a year to do. I don't know why they won't ever give a account holder as to reason why ever in any situation. In terms of exact mis conduct done by account holder.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement 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 # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

My mortgage servicer refuses to properly apply my payment. 

A payment was sent for {$4200.00} on XX/XX/XXXX. After speaking with one of the agents I found that it was short since my escrow was adjusted. I then sent a payment of {$200.00} on XX/XX/XXXX. Instead of applying this payment, the company returned it to me. 

On Friday ( XX/XX/XXXX ) I spoke with XXXX in customer service. I made an additional payment over the phone for {$200.00} to ensure it was not returned and applied to my account. 

Today, I checked my account and it still shows it's past due as the {$4200.00} that was paid in XXXX has not been applied to the account. I can not express how deeply frustrated I am by this company 's continued competence. 

I called again today on XX/XX/XXXX and the agent I spoke with, XXXX, said this case was too complex and he could not help me and needed to have someone call me back.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

My husband opened a Best Buy Citibank credit card in XXXX. Citibank to date has withdrawn XXXX XXXX. They had authorization to withdraw XXXX. XXXX  a month. At times they went into my account which only had our social security and civil service pensions and withdrew money several times in a month. Most recently they withdrew XXXX XXXX. The account is now in the negative. I want them to reimburse all the money they took. I cant believe they can get away with these deceptive practices. I read your lawsuit against them and I feel victimized by them.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Best Buy fraudulent purchases totalling {$6100.00}. These purchases were charged around XXXX 2021. I have called Best Buy a couple different times as soon as the bill arrived in the Usps mail. They assured me i did 't have to pay, ( thr fraud dept. ) but i am still getting letters, statements, and more recently, a XXXX express envelope from the bank ( suppposedly ) that issues the Best Buy credit card. I also put a fraud Alert on my credit report. I also, had a similiar fraud experience with Macy 's. I am in the process of handling this with their fraud dept. too, this also was identity theft and the imposter bounced from store to store across XXXX XXXX charging stuff.
Consumer complaint received 2016-05-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Zenith Financial Mortgage Company, Inc. (CA)

I am contacting you to report a mortgage company, Zenith Financial of taking advantage of my XXXX-year-old mother XXXX XXXX and myself. They broke multiple federal laws including the XXXX XXXX XXXX.
Consumer complaint received 2022-01-24
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. (VA)

I have tried to correct my disputes with XXXX, XXXX, and equifax. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Consumer complaint received 2022-10-01
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. (LA)

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-19
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)

My granddaughter moved into a college apartment. I had to put that apartment in my name. She had some of her own furniture so the college apartment managers moved out a few items so that she could put her own furniture there. Now that she has moved out, they are trying to bill me more than {$400.00} for that furniture. When we tried to resolve it theres a different management company there and different people there so they dont want to hear what we have to say. Equifax has put miss information on my credit report. And they have me in collections. I have witness statements from the other people who stayed in the apartment that the management moved those items out of the room but they dont want to hear it. Equifax refuses to remove that information from my credit report.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NY)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement 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 # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (KY)

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank (NV)

I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them
Consumer complaint received 2022-11-17
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. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).
Consumer complaint received 2022-08-25
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. (MS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-17
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. (MI)

I delivered a certified letter to Equifax on XX/XX/2022 disputing fraudulent inquiries. Equifax sent a letter dated on XX/XX/2022 stating that they were going to keep the inquiries on my consumer report. I also had fraudulent inquiries reporting to XXXX. However, XXXX deleted them.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servatus Corporation (PA)

Hi, my name is XXXX XXXX and no one is pressuring me to write this complaint. I have been reading up on the law quite a bit and I have found that Credit Solutions Corporation is still reporting to XXXX this alleged debt. Commission. I have written via certified mail and submitted a complaint via CFPB. According to 15 U.S.Code 1692g ( a ) 15 USC 1692g ( a ) 15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. 

AFFIDAVIT Notice, it is a fact, on XXXX of 2021, and XX/XX/2021 I, the affiant, have sent a notice of dispute on the validity of this alleged debt to Credit Solutions Corpatrations During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Affiant has proof in EXHIBIT A attached this debt collector not only did not remove the account, Credit Solutions Corporation did not report a notice of dispute. This is a direct violation of 15 U.S.Code.
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.