davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (CA)

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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # 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. And i have filed police report as well
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

I left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX  over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX  collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. 

Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MI)

XX/XX/XXXX To Whom it May Concern : I write to request that you urge the Biden Administration to modify the Public Service Loan Forgiveness ( PSLF ) program such that periods of full-time public service combined with periods of forbearance and/or deferment would count toward PSLF, regardless of whether payments were made during those periods. 
I graduated in XX/XX/XXXX with my XXXX  of XXXX XXXX and began working in XXXX XXXX six months later. Ive been in XXXX XXXX XXXX since that time and due to the pay of this chosen career have had difficulty paying in full towards my student loans. Throughout multiple contacts with FedLoan to assist in my payments, I was advised to defer or place my account in forbearance while working to help me financially. 
Currently, only 48 payments in my 12-year work history will count towards student loan forgiveness. I was steered by my loan company to go into forbearance or deferment unaware of the long-term consequences. I have dedicated my career to public service, working with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sat in hospitals, jails, emergency rooms, court rooms and dedicated my time and energy to the people in our country. 
Due to policies that were advised by this company ( FedLoan ), many people including myself have been unable to achieve the promise of student loan forgiveness. My applications have sat for months waiting to be resolved with very little progress noticed.

Im continuing to work in XXXX XXXX with an ever-growing caseload. I work with substantiated cases of XXXX in a small XXXX XXXX of Michigan community . Im raising three children of my own and caring for my husband who was recently treated for XXXX XXXX XXXX XXXX. Resolving this issue is life-changing for public servants so that we can continue to work in our communities without the crushing weight of student loan debt. 
Please bring light to this issue and make meaningful change for me, my family and our communities. Public servants are VITAL to our communities.
Consumer complaint received 2022-07-20
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Consumer XXXX Co has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

A Venmo account was opened without my authorization on XX/XX/21 at a time when my phone and purse were not in my possession, as I was at the salon getting my hair done. 
Several payments were made by the person that I suspect fraudulently opened the account, and she paid herself. 
I filed disputes with my credit card company and Venmo starts contacting me and trying to open disputes. When I talked to Venmo they opened the disputes in a completely different name than mine. I called them and Venmo keeps trying to engage in discussion about disputes, sending my identification to them when I did not even open the account. Im not sending my identification or social security number to a company that I never did business with, that already allowed fraud to happen to me. They could use my id to commit more fraud. 
All I have to do is to dispute with my bank, which Ive done. And I won. However Venmo wont shut down the account opened fraudulently unless I send them my identifying information and I go through their dispute process for specific transactions on an account I did not open. 
Nor will Venmo go after XXXX XXXX, the person the payments were allegedly made to. I dont want to or have to deal with Venmo but they refuse to shut down the account unless I comply with them and send them sensitive personal information that can subject me to more fraud.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

All 5 of my Synchrony credit accounts were closed on the same day, XX/XX/2022. 3 were store only cards and two were general use though Sams and TJMaxx. Ive had my Sams XXXX for 4 years. Always paid on time, and until only recently carried a balance for a few months. I paid it in full on XXXX XXXX. I had accidentally scheduled two $ 19,000+ payments, one on XX/XX/XXXX, and one on XXXX XXXX. 2022. I called Synchrony to try to cancel the second payment but they said it was too late and advised me to contact XXXX XXXX to stop payment on the second scheduled payment, which I did. They cited potential failure to pay as the reason to close ALL of my accounts, 4 of which had a zero balance at date of closure. I have a balance of {$40.00} on my TJMaxx card which is scheduled to be paid automatically prior to the XX/XX/XXXX due date. 
I contacted Synchrony and they said all I could do is reapply, but that will hurt my credit rating. My credit was well over 800 when I got divorced two years ago and took a dip when I got divorced and paid off my mortgage. Synchrony had just given me my Belk card in XXXX, even though I had a balance on my Sams card. I believe their system saw the stopped payment on the XX/XX/XXXX and read that as failure to pay EVEN THOUGH the day before the balance had been successfully paid in full. I can not have more hard inquiries on my credit to replace these cards.
Consumer complaint received 2020-01-17
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: Paypal Holdings, Inc (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Consumer complaint received 2018-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Lexisnexis XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX GA. XXXX XXXXLexisnexis.com
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
The company is providing inaccurate credit information whereby denying me housing. The company uses several names: Lexisnexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.  The company also says the information was provided by XXXX XXXX, and XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX, please put my credit card back on my equifaxs credit file i didnt tell equifax ti delete it at all, i did not file no complaint ti have it taking off, so add my card back on my report this credit card was deleted off my credit report with equifax see please add this card back
Consumer complaint received 2022-02-24
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. (PA)

These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

U S back claims processor " XXXX " XXXX needs to be fired!!! XXXXXXXX XXXX customer service I've ever had in my life!!! Did not resolve any issue I had going for me and my legitimate claim ... Made everything difficult, not resolving any issue at all spitefully denying my legitimate claim...
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (DE)

I opened a chime account in early XXXX and the same day they closed my account with my whole paycheck inside. I have been trying to get my money back for almost two months now with no success. I sent over 10 emails from different dates, after the first email all of the rest were ignored and no one has reached out to help me even with all of the automated responses claiming I'd receive help soon.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

I applied for an auto loan from XXXX XXXX XXXX XXXX and they denied my application. The denial letter shows that Experian states that my credit score is XXXX. But when I logged onto my account at Experian.com website, my credit score is XXXX.
Consumer complaint received 2020-01-17
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: JPMORGAN CHASE & CO. (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. Equifax, XXXX XXXX and XXXX. I submitted the XXXX XXXX XXXXt request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (TX)

When I first purchased the Loan from Lending Club, I was told that if I make on time payments in the amount for {$650.00} 6 consecutive month 's I can then refinance at a lower rate. My Loan amount was {$15000.00} but was given {$14000.00}. When I did come back to them to refinance they told me that I could not get my payments lowered and I would have to pay the {$650.00} a month. I informed them that I couldn't make the payments but they didn't care. I informed them that I was not going to send anymore payments because I couldn't afford it. I then went through a debt consolidation company called XXXX XXXX XXXX ( XXXX ) of which I started paying them {$450.00} dollars to resolve my debt which I see they didn't help because Lending Club was part of the fee 's I was sending to the debt consolidation. Just recently, I received a citation XXXX XXXX form XXXX XXXX not knowing it was Lending Club. After, receiving the citation, about two weeks later, received a judgement after XXXX, XXXX stating I missed the court date and the judge was on the side of the plaintiff. I never knew about the court date. I did reach out to several lawyers, and gave them the case number which they didn't see anything in the XXXX data base. They only had one citation I had from another creditor whom I disputed charges. I reached out to my debt collection agency on XXXX XXXX regarding the citation and who XXXX XXXX was, and my debt collection agency responded on XXXX XXXX informing me of who they were but at that moment, the judgement was already filed. Per the debt consolidation agency they stated that my statute of limitation started XXXX and ending XXXX. I do not know what month in XXXX it was going to end. My account was frozen XXXX XXXX, XXXX in the amount of - {$20000.00}. I had to settle to get my account unfrozen. They are making me pay {$18000.00} due to court fees when the loan was {$15000.00} of which I owe {$14000.00}. So, how can that be when I paid them 6 months of {$650.00}. The numbers are not adding up. I dont feel XXXX shouldnt be made to pay any legal fee and pay the amount over what is to be paid. I feel that Lending Club had no license to lend money online. Since, theres a law suit why am I paying outrages amount of the money? Why should I pay for legal fees when I was not notified and there was not enough information the on the citation. Only, that they had my signature from online. I know that the signature they claim to have is mine. Its was not enough time for me to dispute the charges. I feel I was ambushed and treated unfairly due to the XXXX XXXX dollar lawsuit they had to pay to the FTC. I need to know what I can due to sue them.
Consumer complaint received 2022-02-24
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: AR Resources, Inc. (GA)

I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. 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/2022, 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} FCO ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I paid off a mortgage with Bank of America in full last week. When I called them yesterday regarding the {$910.00} and change balance in my escrow account I was informed that it was their policy to hold that money for 20 days in case there was any financial claim against the property for outstanding tax. I pointed out that the sale went through a title company who would not have issued title insurance if there were any outstanding claims against the property. I then suggested that if they were going to hold my money that maybe they should pay me interest on it, of course that was not an option, even though I pointed out that if I had {$910.00} of Bank of America 's money for 20 seconds let alone 20 days they would expect interest. They may have some legal loophole that allows them to do this but just because you can do something does n't mean you should. They are holding my money for no good reason other than they have found another way of ripping off the consumer.
Consumer complaint received 2022-11-21
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: CBC Companies, Inc. (CT)

ON XX/XX/2022 a hard inquiry from " Factual Data '' appears on all 3 of my credit reports, " factual data '' claims they did not initiate the inquiry, XXXX XXXX did, and the credit bureau can use either name. 
I never gave " factual data '' permission to put a hard inquiry on my credit report and I certainly didn't give XXXX XXXX  permission to allow factual data to pull my credit and leave a hard inquiry.
Consumer complaint received 2023-03-29
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. (PA)

My consumer report is filled with numerous errors, these account needs to be removed due to FAIR Credit reporting acting. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts