davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (MI)

XX/XX/XXXX XXXX now calling the business XXXX has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report. 

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (PA)

Yesterday I noticed {$54.00} taken from my debit card through my Paypal account. I believe someone hacked my account and send them money. The name of the man who has my money is XXXX XXXX and I have called and called and messaged both Paypal and XXXX for a refund yet still have had no response. I need this issue resolved immediately. I understand there is a worldwide pandemic but that is no excuse to let a minor be bank robbed and hacked for all the money she has and get no help nor response. Im just really hoping you can help me get a refund back of at least my {$50.00}.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc. (FL)

On XXXX My business Partner notified me that his brother received a phone call from a DCI representative. He forwarded me the message and I called them immediately. In the message they said to contact them immediately or there would basically be legal consequence. As I called them back, they stated the same. They said we owed {$2000.00} dollars to a XXXX XXXX XXXX XXXX or XXXX XXXX. I have never done business with this entity ( s ), and we do not owe any monies to anyone. We are a debt free company. I have requested the data sent to me in e-mail and have not yet received such data. The website seems legitimate, but I believe they are trying to fraud people out of fear with impending legal action. Can someone take a look into this. The man was ridiculously unprofessional and very threatening. Threatened to call the state on my licenses if I didn't comply. Is this company even registered? 

https : //www.dciclaims.com/ Debt Collectors International , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Fax XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with BoA, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from BoA. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. BoA did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my BoA account open because it's my longest standing credit card. I believe BoA is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like BoA, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that BoA shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I ordered a washing machine and the matching clothes dryer from Home Depot. 

My granddaughter gave me her un used washer and dryer instead. I called the home Depot store tge next day and explained to the customer service agent that I needed to cancel my order. 

She cancelled the order immediately. However when my bill arrived, I was charged for the washer and dryer. I went back to the home Depot store and explained to the customer service attendant that I cancelled the order before it shipped out. 

The agent told me not to worry and she took care of it right away and that I should disregard the billing amount. 

I received another bill the following month with a XXXX fee. I called customer service again to inquire about the mysterious charge. 

The customer service agent told me that the XXXX dollars fee is an investigation fee that the company charge in order to investigate the cancelled order. 

I am a senior and I feel that I am being scammed and treated very unfairly. I never received the order and I should not have to pay for the company to investigate a product that I cancelled prior to the items being shipped.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For sometime, I was a victim of domestic abuse by my now ex husband. During this tragic period of life I discovered that hed stolen my SS card and drivers license from my wallet. From that point the perpetrator applied for mortgage loan applications in my name as well as Credit card loans, in addition to filing income tax returns with out my consent. These incidents have been reported to the Federal Trade Commission, IRS, and all three Credit Bureau agencies. This individual has no respect for anything and will continue these vicious, illegal attacks until legal action has been taken against him.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I applied in XXXX for a student credit card at DISCOVER and was accepted and mailed the credit card, later in XXXX i was asked to fill a form, print it and notarize and mail it to them to further verify my identity and i complied, after i mailed it there was no communication from DISCOVER whether it was received or not ( it was never received on their end ) they did not inform me at all that it was never received because if they had i would have been able to fix this issue swiftly by sending in the same notarized form again by mail within the 15 day time frame they gave me to do this, my credit card was then closed 2 weeks after ( and that whole time i had thought the notarized form they asked me to send them was received ) I call customer support and they told me that i did not even need to go through this whole process and could have easily just sent all the information and documentation they requested online which would have been much more reliable and faster. 
My card was closed unfairly and unlawfully because the form that they asked me to fill, notarize and send was never received on their end for whatever reason and i was not told about it at all until i found out they closed my card because of it. I could have easily provided them with all the information they wanted to verify my identity had I actually been told that they were not able to receive the form i sent them by mail.
Consumer complaint received 2021-04-29
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. (CA)

On XX/XX/2021 I sent my dispute letter with notary attached certified mail ( USPS Tracking # XXXX ) to Equifax address XXXX XXXX XXXX XXXX, GA XXXX, which was received on XX/XX/2021. 

As of this day, XX/XX/2021, I have not received any mail from Equifax which is beyond the 30 and 45 day period.
Consumer complaint received 2020-09-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Consumer complaint received 2019-12-06
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. (CT)

Equifax continues to put the collection account in my report which has been removed on several occasions this company keeps reinfecting this account that I do not have a balance on. This company is assuming a balance and trying to get money from me Equifax is aware of this they took it out before and now it is back.This company has not account with me or sale or loan or anything I want it removed. 

In addition I ask for a reinvestigation on the XXXX  account the XXXX account and the XXXX  account this one should be removed I do not owe the balance I ask that they be removed. Equifax has never shown me any investigation on these company they should be removed. I have not received anything.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: MCMC Auto LTD (TX)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MCMC. This was an illegal repossession followed by illegally reporting on my credit report. Another thing, this was paid repossession ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THESE REPOSSESSION ACCOUNTS FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I had looked into what the cares program was about on the wells fargo website. But never gave authorization to enter the program. About a month later when I saw that my payments were not going through I thought wells fargo was automatically deferring all payments for everyone because of covid. Now seeing these storylines coming out about wells fargo entering people into the program without their say so I realized they illegally entered me into the program
Consumer complaint received 2020-05-28
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)

I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC (NY)

This was a debt that was originally owed to XXXX XXXX, which was sold to a debt buyer Jhpde finance  1 XXXX back in XXXXThat company filed a lawsuit against me in XXXX and due to a divorce I had to filed a chapter XXXX bankruptcy in XX/XX/XXXX which was discharged in XXXX XXXX debt was included in that bankruptcy. My credit since has been great and has allowed me to rebuild myself. Then on XX/XX/XXXX I received a notification that i had a collection acct negative placed on my credit from Jhpde finance for {$1600.00} from original creditor XXXX XXXX. I checked all my bankruptcy papers to make sure it was included and found a letter " Notice of discontinuing of action '' file no.XXXX  from the same Jhpde  finance  1 llc regarding the same debt. They used attorneys XXXX XXXX XXXX XXXX. I have since contacted Jhpde finance on XX/XX/XXXX and spoke with rep from Jhpde finance  and was advised that she saw that I did in fact file and wasn't sure why was placed now on credit and basically blew me off. I called back weds XX/XX/XXXX and spoke with another rep and was told the same thing and nothing they could do. I tried to dispute it with XXXX  credit bureau, and after their investigation, Jhpde claimed was valid. So this will destroy my credit if this is allowed to stay on it. Please help me resolve this issue.
Consumer complaint received 2020-07-29
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. (UT)

I disputed the account XXXX act # XXXXwith Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX  account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with Equifax, XXXX and XXXX and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Consumer complaint received 2020-07-29
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: MRS BPO, LLC (DE)

A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the XXXX email : " XXXX XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my 15 yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

XXXX XXXX Account # : ... XXXX Citibank has not credited all of the payments I have made to the credit card referenced bove. I have been making regular payments to Citi Bank since the inception of my credit card account. Citi Bank has repeatedly returned these payments to my checkin g account and has reported them unpaid. 

I have attempted to correct this problem by contacting Citi Bank via certified mail and also by calling their customer service department and I have only experienced gross incompetence on the part of the staff. 

Because of Citi 's company 's gross incompetence and the damage made to my credit, my fico scores are now in the low 600 's from an a verage score of XXXX. 

Recently, I tried to refinance my HELOC and was declined due to poor credi t scores thanks to Citi Bank. 

I need help in resolving this issue and restoring my credit.