davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
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. (TX)

I am complaining about my Equifax credit report score decreased by 50 points. Equifax has allowed three disputes on my credit report, and I did not authorize these disputes. XX/XX/2020, received an alert from XXXX XXXX my score decreased by 50 points. I reached out to Equifax, I spoke with the representative XXXX, employee XXXX. XXXX confirms three disputes show on my credit report, and it is pulling down 30 % of my credit ratio. I inform XXXX  I did not request for any disputes on my credit report how can I stop and remove the disputes? XXXX states there is nothing I can do ; I had to wait 30 days for a response. XXXX informs the three disputes are paylaince, XXXX XXXX, and XXXX  XXXX. I told XXXX  it is impossible to have a dispute for XXXX because I paid off this account, XXXX refuse of stop the is dispute I did not request.
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-07-02
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)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a Debit Visa card in the mail today. It has my name on it and an account number. I did not solicit this card from US bank! This is a fraudulent account. It was sent in the US mail to me. I have not requested this card and I have no need for a card. I am very concerned about the information that is on this card, there is no reason for me to have asked for a card from this company or from the government. I want this stopped!
Consumer complaint received 2020-07-02
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)

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

I bought a XXXX XXXX under promotional no interest for 24 months. I then bought a wireless charger the next month on the XXXX XXXX  account. I called in that month to make the full payment of the charger since it was going to have interest, I made the payment of {$84.00} on the phone and she said that I would have no interest. I then got interest and called in, she said I needed to make another payment of {$40.00} because it didn't apply right before, and refunded the interest. I got interest again and called in a third time saying the previous two payments and calls both said they fixed the interest problem, I got a refund of interest up to XXXX XXXX. I called in XX/XX/XXXX because I again received interest from XX/XX/XXXX-XX/XX/XXXX and assumed my third call fixed the problem. They said 'oh the payments were applied to the wrong portion! you owe the interest ', even thought hose payments were maid multiple times, over the full amount, with representatives, who said I wouldn't get interest. They refused to remove interest off the account. I have since paid the account off in full, and there is still an erroneous {$18.00} of interest that I overpaid. Terrible company, bad ethical choices, and no responsibility. I've attached the 3rd calls result ( XX/XX/2019 ) where I paid the full amount and they refunded all interest that was charged so far, and you can see there is no interest at that point, then it started again after.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of Inquiry XX/XX/2019 XXXX-Date of Inquiry XX/XX/2019 XXXX-Date of Inquiry XX/XX/2019
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-12-11
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. (FL)

I reach out to XXXX XXXX  XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I was emailed by XXXX  yesterday about a change in credit score due to an outstanding debt that I have on my record. I found it odd, since I have never missed a payment on any of the debts that I owe. I checked and see that I have an outstanding debt balance of {$3800.00} originating from a company called ( I C SYSTEM INC ) that I do not recognize. 
I requested XXXX  to dispute this and see it was originated from XXXX XXXX XXXX. I have never used XXXX XXXX XXXX as a carrier before and have never received any type of documentation regarding this matter. 
It states this was opened in XXXX of this year, but XXXX XXXX was in a state of lockdown during that time, so I have no idea where or how this could have happened. As a result of this my credit score dropped from XXXX to XXXX ... 
This is a charge that I am completely unaware of and it is affecting me financially, especially during these hard times.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I processed a Payment Amount of {$9200.00} USD through my PayPal account. The PayPal Card Reader did not work, so I entered the credit card number manually. On XX/XX/XXXX, I tried to access the funds, but received an ambiguous Error Screen that the service wasn't available. 

I contacted their customer support on XX/XX/XXXX, at XXXX XX/XX/XXXX, and was told that I needed to provide further information for the transaction. I promptly supplied all of the requested information, and was informed that the funds would be releases within 3 business days. 

I waited until XX/XX/XXXX, tried again, and received the same ambiguous Error message. I contacted Customer Support @ XXXX and was told the team that reviews and approves these transaction was running behind, but that I would be approved within 72 hours and the funds made available. 

I attempted to access my funds on XX/XX/XXXX, and received the same error. i contacted customer support again @ XXXX, and was asked to be patient, and that they were processing my request. The agent, XXXX suggested it would be faster if I simply refunded the amount, and created an invoice. XXXX did NOT tell me that PayPal would, instead of refunding the {$9200.00} they were holding, attempt to take that amount from my personal checking account, nor did she tell me that they would keep the {$320.00} fee. I am now incurring overdraft fees of {$32.00} every time PayPal tries to take that {$9200.00} from my personal checking. 

On XX/XX/XXXX, I tried to contact Customer Support, and remained on hold. During all of this time, I also engaged with Customer Support via PayPal 's XXXX support. They offered no help, and took over 3 hours on average to respond, the longest time being over 12 hours. 

On XX/XX/XXXX, I contacted PayPal customer support again, and had a conversation with XXXX named XXXX ID # XXXX. XXXX was condescending and rude. He told me that they were keeping the fee because I had the money. My response was, NO, I don't have access to the money, because PayPal had never released the funds, to which his response was " I'm looking at it in the wrong way ''. He finally agreed to escalate the situation, after telling me he was the highest authority I could speak with at PayPal. He told me that he would issue a credit of {$100.00} toward the {$320.00} fee, and that the credit would be seen in my account within 24 hours. He also told me that the funds would be released within 24 hours. 

It is now XX/XX/XXXX, and none of the promises that PayPal have made have been honored.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IN)

Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond. 

XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX  or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the LVNV XXXX XXXX and LVNV XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX LVNV LLC XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus.

More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

I have multiple mortgages with Loancare and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Consumer complaint received 2020-09-03
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. (IL)

My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the Equifax breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (FL)

Account Name : XXXX XXXX XXXX Amount : {$6800.00} XXXX5 USC 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 account without my instructions
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and Trans Union are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX  is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Refer to Case number XXXX and the {$1000.00} charge from XXXX XXXX on my Bank of America account number ending in XXXX. On XX/XX/2022 Bank of America informed me that they reversed previously issued credit for this charge. The explanation they are stating is that " we're unable to dispute merchandise that was signed for or picked up in person. '' Furthermore, they state " without a credit slip, we're unable to assist you further. '' There are no contact details provided to contact Bank of America in writing to respond. In case CFPB is able to bring this message to someone at Bank of America who can assist, the supporting attachment your team provided has someone's signature that can not be recognized, " signed for by '' name that does not seem to match my name or the signature on the slip provided, and finally alleged delivery address to me and my home address. I have not received any goods from this merchant. I have not signed for any goods from this merchant. I have been unable to reach anyone at this merchant. I do not have any credit slips from this merchant. Regardless I am being charged for something I have not received. Please issue a credit of {$1000.00} to my account and finish this chargeback. Thank you.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.