davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Consumer complaint received 2022-04-30
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. (SC)

XX/XX/2021 Installment loan XXXX XXXX BAL : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all XXXX Entitys about this billing error on my credit reports. XXXX, Equifax, & XXXX to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Consumer complaint received 2022-04-30
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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-19
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)

on XX/XX/2020 XXXX notified Equifax to remove 4 collections from my consumer report. Equifax is in violation of hippa law and this is my third complaint
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/2022, I purchased {$2.00}, XXXX ( XXXX {$500.00} each ) of prepaid XXXX  cards at a grocery store that were issued by Incomm. When I opened the packaging on the cards, I saw the last XXXX digits were missing on XXXX out of XXXX cards. In addition to the last XXXX digits being missing, the back of the respective card had no cvv code. 

I opened a complaint with Incomm and was assigned case # XXXX. I sent documents showing the missing numbers on the card as well as a picture of the receipt. 

On XX/XX/XXXX, I received an email saying I would be issued replacement cards within 7-10 business days. It has been 20 business days but I have not yet received the replacement cards. 

I have called the company multiple times to ask them to resend new replacement cards with a balance of {$1000.00}. As of my last call on XX/XX/XXXX, the customer service rep initially said that given the 7-10 business days timeline had long since passed, she would need to talk to her supervisor about sending new replacement cards. After talking to her supervisor, she came back on the line and said they can not issue new replacement cards and I needed to wait until XX/XX/XXXX, before calling back as maybe the original replacements cards had been delayed. 

Given that its been more than 30 days since the original complaint and the fact that the replacement cards have most likely been lost in the mail, I am filing a CFPB complaint rather than waiting on whatever new timeline Incomm makes up.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

Multiple Debt Validation attempts were made to Affirm Inc in regards to the following accounts : XXXX XXXX XXXX XXXX Affirm Inc has been notified via dispute of identity theft and explained that the merchandise bought and sent to the address provided to them was never an address of mines nor the vehicle was ever owned by myself and have yet to legally validate the debt. If Affirm did a proper and thorough investigation then the evidence would clearly show this is a case of identity fraud. The reporting on my consumer report are illegally hurting my consumer account. 

These account reports are Violations of the Fair Credit Reporting Act, Violations of the Fair Collections Practices Act, and Defamation of Character.
Consumer complaint received 2022-10-29
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. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IN)

Somebody I'm not sure who used my information to start a health club membership in XXXX XXXX I do not live there the balance is now XXXX it was started in 2020 the campy is called XXXX I have file a dispute in order to get it removed from my credit report
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my XXXX report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my XXXX Report. I have never heard of this company. I show an inquiry for XXXX on XX/XX/XXXX on my Equifax report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my XXXX report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my XXXX report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for Equifax. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for XXXX and another on the same date for XXXX. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my XXXX. Again this was not authorized by me.
Consumer complaint received 2022-04-30
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. (MA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-04-30
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 XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
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)

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 U.S.C. 1681 Account List : XXXX XXXX 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 XXXXXXXX Have all 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 consent.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NH)

On XX/XX/XXXX I opened a Citi Priority Account with Citi Bank under a promotion that promised to pay me {$700.00} once {$50000.00} was deposited in the account and maintained for a period of time. I deposited {$50000.00} in the account and all of the promotion requirements were met some time ago. I have repeatedly asked Citi customer service and " Executive Response Unit '' when my account will be credited to no avail. I initiated an investigation on XX/XX/XXXX and the analyst was to have resolved this in a time frame which has since expired. No feedback from Citi. I initiated another investigation through the " Executive Response Unit '' on XX/XX/XXXX with no response to date. I have called customer service repeatedly ( XXXX ) but they are in other countries and can not provide any information/update other than to say " it is under review '' and " we wish we could help you ''. They are in agreement with my complaint but can not assist directly. 
I filed a complaint with the XXXX XXXX XXXX  on XX/XX/XXXX and can provide a complaint ID if that would be helpful. I also have the complaint numbers initiated through customer service and the " Executive Response Team '' if necessary. 
I have since learned that the problem I am experiencing with Citi pertaining to promotions and their failure to follow through with payment following the timelines noted in the promotion language is not uncommon.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (SC)

I signed up for a new credit card with Chase and they applied a different promotion to my card that wasnt advertised. I have talked to a supervisor and was told they put in a request to have it changed. The supervisor told me they had three promotions at the time I applied. However their personal Chase mobile app only had one showing. The one that I expected to get.
Consumer complaint received 2022-10-29
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: Navient Solutions, LLC. (KY)

When I filed a dispute with Navient, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.
Consumer complaint received 2022-04-30
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. (GA)

The law stipulates that you must investigate withing XXXX of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit
Consumer complaint received 2022-10-29
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. (NJ)

Sent XXXX XXXX  XXXX, XXXX, XXXX and Equifax a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (WY)

We Applied for and was approved for Covid forbearance, when we applied and was approved we were current on our fha mortgage. When we were coming out of forbearance they sold the account to XXXX, we worked out a loan modification with XXXX Fast forward to today we are selling the house involved, its under contract due to close XX/XX/XXXX We applied for and got denied for a new mortgage due to loancare the original loan company not reporting the payments as late but what they did do was write in the status more than 120 days late. This is the only reason our new mortgage was denied Per the Covid forbearance laws it was stated if you were current on your mortgage when you were approved, which we were then there will be no negative impact to your credit I have emailed and called loancare and have gotten nowhere on getting this resolved
Consumer complaint received 2022-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

Nelnet problems. 
My XXXX student loans switched to Nelnet. 
Nelnet increased my interest rates ( they are fixed rates at the time they were taken out and should never increase ). Also, Nelnet increased my length of repayment by 5-6 years. 
XXXX no longer has my original loan info available online so we need to get XXXX XXXX  to provide the original - correct info and nelnet needs to honor the original interest rate and repayment terms.
Consumer complaint received 2022-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: ALLY FINANCIAL INC. (CA)

Ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Have taken my Electronic transfer SAVING ACCOUNTS and Checking accounts and along with all the funds that I have earned XX/XX/XXXX XX/XX/XXXX My investments accounts are now in jeopardy because of this incident. Which is a managing problems not a consumer situation. hopefully this will come to an end and everything will go back to normal, can't even access my normal savings account under this diligence.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

I used my prepaid PayPal card for an online casino. I would get my balance in real time on every purchases. When I dropped to a negative balance I immediately made a deposit. When I saw that my PREPAID card was negative XXXX I called and the girl said it was her first day and was useless. I asked her to block the card and then I get a message saying it was reported stolen. It wasnt. I wanted to see how they were saying I was negative when I had my real time balance for every transaction. One, I put in funds to cover every transaction and two, if there were no funds why would they let the transaction go through ( over 10 separate transactions ) I filed a complaint and all they did was send me a list of my charges. I asked for a an actual bank statement showing money out and money in and they wont provide it. I have sent them documents showing all of my Balances/ transactions/ and withdraws in real time and yet I still keep getting the same email with nothing but a list of charges and an email saying the charges were accurate. Yes, they were but I also deposited funds to cover ea h one. They refuse to show that or realize it is THEM that I am disputing. Not the charges. The charge I am disputing is them saying I was negative and making me pay them XXXX. I have emailed over 10 times asking for them to show me where I was negative and they wont
Consumer complaint received 2022-10-29
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 (TX)

My father passed away in XXXX. I am his daughter. Since then, I have called PayPal no less than 8 times and am always on hold for a minimum of 30 minutes, usually longer, before someone can help me. The people themselves are very nice, but no one can tell me where the money in his account is. All we ask is that it be deposited back into the checking account my dad opened the PayPal account with. I do not want the money- it should go back into the account he opened it with, which is a joint account with my mother- who is the sole beneficiary of his estate. PayPal even acknowledges that this is their processwhen an cactus closed to refund back to the opening checking account. But, I am not confident they know their own processes as up until XXXX they still hadnt marked my dads account as deceased- even though we submitted his death certificate and his marriage certificate 3 times. The amount in question is XXXX. This has been going on for 6 months, I dont understand what the delay is and why no one can help. My mother needs that money. She has XXXX and that money is needed to help pay for her XXXX  and other costs. Every other company has been helpful and knowledgeable about what to do when an account holder diesthis is so frustrating.
Consumer complaint received 2022-04-30
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. (KY)

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, 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.