davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

My payment was due on XX/XX/2021. However, because the terms and conditions of my credit agreement ( XXXX XXXX XXXX ) does not specify a specific time on the due date, I paid my bill at XXXX XXXX  pacific time on XX/XX/XXXX. However, Paypal translated this to XXXX XXXX  eastern time on XX/XX/XXXX, and charged me a {$38.00} late fee. I believe the contract should be more specific in the time a payment is due. Had the contract been more specific, I would've paid on time and avoided the fee.
Consumer complaint received 2021-08-02
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

Please be advised that I am disputing a derogatory account on my credit report, you claim I owe. This account was open fraudulently under my name. I use to work at this XXXX XXXX and they are charging me for a mouth guard I never received. This needs to be removed immediately as this is negatively affecting my credit score. I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Debt Collection Practices Act, FCRA and Defamation of Character. I also requested validation of the debt and I never received anything from the collection agency validating the debt.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (TX)

XXXX XXXX XXXX has been tryin to collect a debt that does not belong to me. I have never opened an account with these energy providers. this is the case of identity theft or fraud.

the debt collector is tate & Kirlin associates inc and the amount they are trying to collect is {$1800.00}. reference # XXXX
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (UT)

Hello, XXXX. 

I recently received a message stating that it may no longer be possible to process payments on my account due to some restrictions related to PayPal 's service policy. I would like to understand the reason for this blockage, as I have already submitted all the requested documents. 

Could you kindly check and resolve this issue for me? 

I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-03
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. (MI)

I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
Consumer complaint received 2020-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

LoanMe, loan in the amount of {$2400.00}. 
I have paid LoanMe and I am free of debt with them as of XXXX. They, however, claim I have not. I have my paperwork that states I have, which has been enclosed for your review. Aside from this ridiculous attempt to continue to collect a paid debt, they claim I owe them interest. 
I have been contacted by XXXX XXXX XXXX trying to collect on a paid debt. Because of a family tragedy I was in a bad place financially and had to obtain a loan from this unethical company. My biggest regret. 
I have worked in Collections for over 20 years, their procedure or methods of collection can be considered unprofessional to say the least. 
They claim I have an unpaid balance because they claim I didn't finish paying my debt in XXXX. Their collection/accounting department didn't realize this information until the end of XXXX I will not be penalized for their bad record keeping. My employer received a judgement in XXXX, she forwarded it to the payroll company and {$2400.00} was garnished, plus an additional {$440.00} just last year when they tried to garnish me again at my new employment. Based on the payment history I received from LoanMe on XX/XX/XXXX, I have an outstanding balance of {$570.00} In XXXX they received {$440.00}, so technically my balance should be {$130.00} The credit report I received shows I have a balance of {$170.00} or {$410.00} not sure why. LoanMe are crooks with bad record keeping, how they came up with me owing {$2100.00} again is beyond me. I need this resolved, their constant harassment has caused me anxiety.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS XXXX XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Consumer complaint received 2021-07-22
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 — Was not notified of investigation status or results
Company: ERC (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

XX/XX/year> I sent a letter to the courthouse asking do they report bankrupsties to the credit bureaus I got a letter back stating " They do not report any bankruptcy to anybody so if thats the case. How did the credit bureaus edit my bankruptcy as 100 percent accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 states the term " investigate consumer report " means a consumer report or portion therefore in which information on a consumers character general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported reported or other with whom is acquainted or may have knowledge concerning any such items and of information However such information reporting agency when such information was obtained directly from a creditor of the consumer They also violated my rights plenty of times The credit bureaus violated my rights under 15 USE 1681 According to this I have the right to privacy
Consumer complaint received 2021-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I am pursuing the Public Service Student Loan Forgiveness program and have Fed Loan Servicing as my servicing company and have been enrolled in it for about 4 or five years. In XXXX of XXXX  I summited my yearly employment certification form and I have still not heard back on the results of my certification as of XXXX I was unable to to use the new portal on the Department of Education website because my employer has not yet been added to the list of eligible employers. Additionally I summited the required documentation to the Department of Education to have my employer added to the list and have not received any notifications from them for their review process.
Consumer complaint received 2022-03-02
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: GOLDMAN SACHS BANK USA (ND)

In the past year, I have received two notifications from large financial institutions, XXXX and Marcus : by Goldman Sachs, that they were unable to approve my loan applications because my credit information had been blocked by the reporting companies, XXXX, XXXX, XXXX, etc. Thank goodness for that! I did not request any loans, and am very happy that my information is frozen. I notified Marcus who said the request had come through XXXX. I called XXXX and they had no information that a loan had been requested through them, and suggested that it may have been initiated through Marcus. Standard passing of the proverbial buck. I understand that this is a risk in our banking system, and thankfully there are remedies such as credit freeze. I just hope the hackers don't break through the security.
Consumer complaint received 2021-12-17
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: Nelnet, Inc. (TN)

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Great Lakes Services has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Amazon Prime Rewards Visa Card on XX/XX/XXXX at the online store website of Amazon.com. This credit card is serviced by JP Morgan Chase. My application was not immediately determined approved or denied. A week later, I called to check on the application status. I was told there is still no update and that I should receive an update through the mail. My credit score is well above the minimum requirements and my credit inquiry history was relatively low. 

After over 2 weeks since the date I applied, there was still no update either through email, phone, or physical mail. I called again and I was told I was already given a mail decision. However, I never received the decision letter. The " manager '' on the phone refused to provide any copy of this letter or follow up with any type of proof. She refused to acknowledge my issue and hung up the phone. 

To this date, I still have a hard credit inquiry for XX/XX/XXXX from " XXXX CARD '' for a " Bank Credit Cards '' with a removal date of XX/XX/XXXX on my XXXX credit report. I believe this is grossly negligent on JP Morgan Chase Credit Application department 's part. Their response is willfully ignorant since no one wanted to provide me a name of the customer service agent assisting me with my issue. No support ticket was opened since they ignored any wrongdoing.
Consumer complaint received 2022-10-08
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)

RE : DEFAMATION OF CHARACTER to whom it may concern, This is about the consumer report dated XX/XX/2022 received from EQUIFAX via email. While reviewing my report I came to know about the inaccuracy and even fraudulent information still being reported on it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company FALSELY REPORTED information that resulted in defamation of my character. even further, you created deceptive forms that made creditors and employers believe that i was in debt though you could not prove its validity. If the debts were valid you created a false impression that i could not pay the alleged debt. As a result i was discriminated against and denied my right to extend credit. I was denied a XXXX XXXX credit card, and personal loans, I have suffered emotional as well as financial hardship. Therefore, your company is liable under 15 USC 1681o. I have evidence of over 10 phone calls made to EQUIFAX to remedy this matter. I have previous CFPB complaints that EQUIFAX has failed to accurately investigate. I have contacted your company through multiple mediums to remedy this matter. EQUIFAX has willfully and knowingly refused my right to an accurate credit report pursuant to the FAIR CREDIT REPORTING ACT. As a result of a previous breach of my personal sensitive credit information by EQUIFAX i am eligible for a settlement check from the class action suit. Claim Number : XXXX which further proves my sensitive credit information was not secure. However, Still to this date, EQUIFAX continues to be unfair and impartial to my right to privacy and refuses to remove the inaccurate and fraudulent information from my report. my EQUIFAX score is the lowest amongst all my other credit scores and continues to tarnish my character and reputation. I hereby grant your company the opportunity to remedy this matter by doing the following things ; DELETE the account in collection status XXXX XXXX XXXX XXXX XXXX from all consumer reports. Pay {$1000.00} by check addressed to XXXX XXXX for the willful and repetitive knowing violation of my rights. If your company refuses to remedy this matter, I will pursue individual action under the Fair Credit Reporting Act seeking actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VA)

Hi, This is a continuation of a complaint ID XXXX. Please reopen the case since I have new findings : This isnt about fraud, Its about a financial Institution that should have a fiduciary duty to customers. 
I flew to XXXX to meet with XXXX bank in person and further investigate the case. 

The customer care agent was totally understanding and willing to helpwithin the banking regulations of customer confidentiality. 

She confirmed that neither the address or the name of the beneficiary matches the account XXXX. Furthermore, she directed me to the branch location where the account was open. She advised me to meet with the branch manager. 
The branch location is XXXX bank XXXX XXXX XXXX XXXX XXXX The branch manger, XXXX XXXX XXXX confirmed the following : - The account name is not in the name of Cosal Interiors - The account address is not the one in Wise receipt. 
- The bank has never received any request or any corespondents from XXXX or any other financial institutions to return the fund. Even if it was directed to any other department, it would have arrived to him since the account is in his branch. He mentioned Have I received a request from the sending party, we would have refunded the amount since neither the account name or number matches the XXXX. 

He refused to send me the above in writing since Im not the account holder. However, he said that he can put that in writing if a formal request from the sending party was addressed to his bank through the proper channels. 

Based on the above facts. Please consider the following : - XXXX should have been acted as a fiduciary to protect their customers by making sure that the XXXX, address and account name matches what I provided. 
XXXX XXXX falsely claims that they have attempted to recover the funds but they never did. 
Please find a link to : - The branch manager business card : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - Fax XXXX XXXX XXXX XXXX : XXXX -Videos of my conversation with the manager. Its in a bad quality but it its a best I could get. XXXX sure we can suppena him or depose him if needed. He doesnt speak English, his assistant was translating for him. 
XXXX XXXX XXXXXXXX? XXXX I appreciate looking at this case from a different perspective and not to treat it as a fraud case. 
Thanks
Consumer complaint received 2020-07-13
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)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.