davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (NC)

XXXX XXXX  is showing up on my credit report. This is not my account. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22
Consumer complaint received 2022-07-22
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)

I have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PROPEL FINANCIAL SERVICES LLC (WA)

on the XXXX of XXXX my wallet was stolen from a gym locker at the XXXX XXXX in XXXX, XXXX. In my wallet was my providers debit XXXX  that i recieve my XXXX  XXXX  on.. i notified staff immediatly at the gym as well as the provider debit card people, seeing it was after hours and there is no 24  hr hotline i had to wait till the next day to report it which i did, but i was too late XXXX unauthorized transactions were made with a total of almost XXXX XXXX dollars see attachment.. seeing these transactions were unauthorized iam entitled to credit according to the zero liability rule that provider bank uses. the complaint number for these charges is XXXX. provider bank did not even investigate this matter and were quick to make a decision that makes no sense to me and is a insult.. they concluded that i made these transactions and that i must have gave out my pin, these accusations are totally false and i requested a explanation on how they came about this decision.. i have not recieved any explanation and i want this reviewed by a neutral person.. ive put in a police report and iv filed a report with the XXXX, i dont know what else i can do.. they are totally wrong on there determination it doesnt make sense. iam getting nowhere with these people.. they are a fraud and i want a neutral review and credit thats due to me. i originally filed a complaint but was told to file another because your people cant locate the bank the complaint number is XXXX please regard the notes cand attachments i applied to that complaint they are correct so please use them for reference. the zero liabilty rule applies to my situation. providercard is done by propel finance which is a part of XXXX XXXX. all my files were downloaded to my original complaint XXXX please refer to them
Consumer complaint received 2022-07-22
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was struggling to make payments on several accounts with different companies. Without warning Capital One closed one of my accounts. They never called me or sent me to collections. The Capital One Account ended up dropping off my credit report. I had completely forgot about it and then a couple weeks ago I got served a summons from them. They are suing me...
Consumer complaint received 2022-07-22
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OR)

Checked my credit report and there are a ton of credit card inquiries and bank inquires that were done that I did not do. My wallet was stolen back in XXXX of XXXX. I noticed someone tried to open a mortgage because I was alerted so I froze my credit. Police did nothing about my report since I filed it online per the instructions I was given due to no officer available to call me. Still have not heard from them. 

INQUIRIES FOR 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 2022-07-22
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)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, Equifax, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$7700.00} ; XXXX XXXX XXXX Balance {$8200.00}
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (GA)

I filed for XXXX  XXXX in late XXXXXXXX XXXX Sychrony Bank continues to send me bills about a debt, but it was covered in the bankruptcy case. I actually paid that bill on XX/XX/2021, and have the bank statement to prove it, but the Bankruptcy Court confiscated that payment to disperse to other creditors. I have forwarded this information to Synchrony Bank, but they continue to send bills to me.
Consumer complaint received 2022-07-22
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. (TN)

15 U.C Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S .C 1681 Section 602 A States I Have the right to Privacy 15 U.S.C 1618 Section 604 A Section 2 it also states a Consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I was scammed by certain XXXX XXXX for apartment application fee and credit check and he asked me to send {$70.00} via XXXX  using XXXX, I reported it to my bank Chase and they could not help me.
Consumer complaint received 2022-07-22
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. (VA)

File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX XXXX - XXXX {$7700.00}
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 around XXXX XXXX, I deposited 2 cheques for {$200.00} each at a Chase Bank ATM in the city where I live and the cheques got stuck. They issued a temporary credit of {$400.00}. After 3 weeks I received a letter that since they could not find the cheques, they are reversing the credit. I called the XXXX-XXXX representative and the local bank and all they could do was apologize. They just advised me to ask the cheque issuer to send me replacement cheques. I deposit a lot of cheques and of course it is hard for me to trace who issued them. It is so frustrating and I am very upset about this.
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

When I attempted to make a payment on my mortgage back in XXXX of XXXX I was advised that was place on a COVID-19 forbearance. And I didn't request it and when attempting to make payment to get off of forbearance I was placed right back on. And in XXXX of XXXX attempted to make a payment and that payment was sent back. However I was able to actually make on payment that they did take and post to my account in XXXX of XXXX that accepted. And then I was placed back on the forbearance that I didnt ask for. I was advised in XXXX of XXXX that the forbearance would be ending. Contacted Flagstar bank to see what steps needed to be taken and at that time I was advised that I would be contacted or receive documents. Received a loan modification packet which I signed and sent back by the required date. A week or so after sending the loan modification packet back I received another set of the same exact loan modification documents with the same exact return date that was had passed. At the end of XXXX I received a letter stating my loss mitigation case had been closed. Contacted Flagstar bank to find out what was going on and was advised at first that the documents weren't uploaded but they had received and that they would be uploaded and sent to underwriting. Called back later that week to find out if documents were upload so that way a payment could be made and I could get back on track. I was then advised that on the loan modification packet the county of XXXX was not written in so underwriting denied it. I feel like I they set me up to take my home. I am more than capable of making my payments and want to make payments. Was advised that I got a second set of documents and advised when I got them. At that time I asked could I send those in the second set of the modification packet that was sent even the date had expired. And was advised that I couldn't and would need to start all over again with the loss mitigation case. I have attempted to do that sent in documents. Called them last week Monday to gather what else was needed sent those and received a letter yesterday in the mail that my case is closed again and now there is a sale date for on my home for XX/XX/XXXX. I am a father of XXXX and feel like they are trying to set me up for failure. How are they able to put you on a forbearance then send documents but now want to take my home. They need to fix this and accept the modification that was sent or allow me to send in the other set that I still have. I shouldnt have a sale date of any kind when the modification packet was signed, notarized and sent back by the date required. If I knew that this was going to happened I wouldve declined the forbearance. They should not be allowed to set people up like this to take their home away that you work so hard to build for your family.
Consumer complaint received 2018-09-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX  XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX   advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..
Consumer complaint received 2022-07-22
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 - Account # 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 2018-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I was offered a deferred interest credit card by Synchrony bank for Living spaces. 
I was making the regularly scheduled payments, but noticed that my balance was not going down at the rate expected for a zero interest card, upon further examination, I noticed after 8 months of paying on the card, that they had added a credit protection service to my account without my permission at a rate of XXXX per month. 
My promotional balance shows XXXX, however the total balance to be paid shows XXXX. My balance is increasing month over month XXXX per month for nearly 12 months charged without my permission with interest being charged on that XXXX. 
I attempted resolution early XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. Each time saying it would be credited back, with no real resolution. 
My concern is that they are adding these fees without consumer permission and it will prevent the promoted no interest balances from being paid in full. that means more than 26 % interest will be charged massively increasing the balance. This definitely is shady and similar to the conduct XXXX XXXX was practicing.
Consumer complaint received 2018-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Asset Group LLC (IA)

I was contacted by someone claiming to be from Phoenix Asset Group, LLC. Mr. XXXX and Mr. XXXX informing me that they bought my debt from XXXX XXXX. The company is located in Minnesota according to the website. You can XXXX it, but it continues to say pages arent available with an error message. I was able to cal number on website and an individual answered it with hello and couldnt understand how I was able to call her cell phone as well as didnt know her companys phone number. Voicemails were left about taking action in the county I  live and wage garnishment. I was also informed I received a document from XXXX XXXX informing me of them buying the debt. I never received the letter and informed them of a pending divorce and to contact my lawyer. They refused to do so. They refused to send any correspondence except for a contract by email after I gave them a debit card number to take biweekly payments of {$130.00} after a down payment of {$270.00}. This is the second fake company out of XXXX XXXX which has posed as an agency to get money out of me. I requested they contact my lawyer and to stop calling me and they stated I had to put it in writing, but didnt give me the address. At this point Im 100 % sure this is a fraudulent site with several individuals posing as agents/representatives of the scam.
Consumer complaint received 2022-07-22
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Consumer complaint received 2018-09-07
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)

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I have an unverified account from XXXX XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. 

XXXX XXXX XXXX, XXXX has reported a collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency,  and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX, XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX, XXXX.