davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$0.00} ( Original Creditor : ) XXXX {$130.00} ( Original Creditor : ) XXXX XXXX} ( Original Creditor : ) XXXX XXXX  ( Original Creditor : ) XXXX {$130.00}
Consumer complaint received 2021-10-10
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. (WI)

On XX/XX/2020 there was a fraudulent inquiry made on my XXXX credit report made by ( JPMCB ) JP Morgan Chase Bank Card Services. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with XXXX but they asked me to reach out to the merchant. i can't get through.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX Texas XXXX. I have unknown or fraudulent addresses appearing on my credit report and other incorrect information I am requesting that these items be removed and updated. 
Please remove the following addresses : XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX TX, XXXX
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

Via cfpb complaint response from EOS CCA on XX/XX/21, EOS CCA stated the following, " The account has since been closed, collection activity has ceased and our office will not contact you further. EOS CCA has already notified the credit bureaus to delete the above reference account from their records. '' There was a " NOTICE TO COLLECTION PLACEMENT '' dated XX/XX/21 mailed to a po box .
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal has closed the account without any reason since XX/XX/ 2021 and they are not helping me to get it back. I am sure that I did not make any mistakes and they are not even telling me the reason of closure. I tried to get any answer from them many times but they are not giving any proper answer. They even held my money for 180 days and after 180 days they took all of my money ( {$1100.00} USD and XXXX GBP ) on XX/XX/2021 from my account. 
So I am filing a report here as they are not doing their job properly. They held and taken all of the money without giving a proper reason and it gave me quite a loss. 
My email linked to PayPal account is XXXX XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

XXXX XXXX Medicredit is stating that I owe a debt in the amount of {$1800.00} from XX/XX/2019. I have insurance that apparently was never billed for a service that I never had rendered nor have I received a bill. I have submitted a dispute that was rejected and XXXX decided to favor the collector. I would also like to note that not only is this a bill I never received, this is also a violation of HIPAA that I intend to report for sending my personal information to any bureau.
Consumer complaint received 2021-10-10
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. (NJ)

XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have written to Capital One three times ( on two of my accounts # XXXX and # XXXX ) requesting proof that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp (CA)

On XX/XX/XXXX I contacted Creditors discount & A about a collection on my credit saying I had late payments for over 3+ years. I was confused and not knowledgeable about this not only was I under XXXX when they say the account was open I have no knowledge how I owe them {$680.00}. I never received a phone call, letter or email about this absurd amount. When I spoke to operator about this collection on my account she failed to identify me using my social saying she doesnt have information because I dont have an account, and is unclear how to help she tried a couple different tactics including trying to look me up under my phone number to see if its possible I had an account still nothing came up. I explained I have no knowledge of ever opening one and as I noticed she doesnt either so why is it on my credit reporting as a collection since XX/XX/2017. Please help I have already disputed this but there making it impossible. The dispute has been in review for weeks with no change.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On Friday, XX/XX/2021 approximately XXXX XXXX  I, XXXX XXXX received a phone call from a number from Wells Fargo Bank. The individual introduced himself as a Wells Fargo Employee and proceeded to explain that my account had received some suspicious activity. After verifying my account by asking me personal questions and sending me text messages to my phone he was able wire transfer {$5000.00} dollars to another account. I immediately hung up & called Wells Fargo to report the activity but was ultimately denied by Wells Fargo.
Consumer complaint received 2021-10-09
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)

Equifax and XXXX are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

company contacted me threating me telling me why I couldn't pay them right now as I told her over 6 times in a row my father died and do not have any money due to funeral cost she still was very rude and started telling me why would I want to hurt my credit like I was a XXXX kid I tried telling her I will try my best to make a payment as soon as I could she still nagging me well pay something right now with a debit card and we will save it for future payments I told her I was considering bankruptcy she then stated why would u do that I told her cause I cant afford to pay my bills at this time to due family issues then she got mad and I hung up she just threaten me the entire call this was in 2018 and balance is not accurate to me adding charges that are out of my means of monies
Consumer complaint received 2021-10-09
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. (CO)

Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I called the company ( Midland Funding LLC ) on XX/XX/XXXX, I was told I had a cease and desist on file but never sent one in. Once I updated the information on the website to remove the XXXX XXXX XXXX, I tried to talk to someone in reference to a settlement on the account. I was transferred from rep to rep and no one could or would assist me. I was than told that there was a judgment placed on XX/XX/XXXX on this and they could not give me a balance owed at this time and I would need to call back on XX/XX/XXXX. I called back and on the XXXX and I still could not get a balance owed on the account. I called back a few hours later and was placed on hold for over 10 minutes. I called back again and asked to speak to a supervisor. XXXX ID 'd herself as one and stated the balance could not be given. I than asked if I could get proof of the judgment. She placed me on hold and a few minutes later a XXXX came to the phone and I asked him for the proof of judgement. He advised that he would see if they could get it but he now had a balance. He stated that it took some time to get it because of the judgment and they had to make sure all fees and or interest was included. I asked if there was a judgment on the account than why was it not with the legal department? I than asked for a supervisor so I may settle this account, he offered account rep. I advised that I was at work and asked if someone could give me a call back and he stated no. I advised him that I will be filing a complaint against the company.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I have been XXXX  full time in a XXXX  XXXX  for 19 years. I decided to earn my XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX certification. My original loan and XXXX XXXX was with XXXX College, SC. 
I submitted my first PSLF request that got denied based on wrong types of loans about 5 years ago. I had called my loan servicer XXXX XXXX XXXX   multiple times when the PSLF was announced being told by mulitple loan reps that I was on track for the forgiveness and had the correct loan. I was told to keep paying my minimum payment and at the end of 10 years the balance would be forgiven. So I was blatantly lied to. 
Then at the 10 year mark, I submitted the form only to be denied for the wrong loan types. I was then advised to move my loans to FedLoans service. They charged me about {$500.00} to consolidate my loans as well. I paid the consolidation fees and moved my loans. I have now paid on my loans for about 14 years. In the last couple months I found out about the Temporary Forgiveness Program so I was told to resubmit for PSLF and if it was denied I could then apply for the Temporary. The PSLF was denied yet again in XX/XX/2019. When I called to apply for the Temporary I was told yet again that I had the wrong loan types and couldn't even apply for the Temporary Forgiveness Program. 
Please help. Thanks.
Consumer complaint received 2020-07-25
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. (TX)

The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is a complaint against timeshare XXXX XXXX. The people that I remember dealing with or were involved with this were XXXX XXXX & XXXX XXXX. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up, and even said it can go up {$29000.00}. We were alsotold that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for me but we were never properly educated of the fees involved. Everything was rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. They have our ID during this process. They offered us gift vouchers. We weren't properly informed how to cancel. We didn't even know how many days to cancel. I was XXXX and my wife was XXXX y/o at the time and we feel like our ages were taken advantage of. We have medical conditions such as XXXX, XXXX problems, XXXX  XXXX  etc & having this timeshare just doesnt help, it just gives us financial difficulties. Plus, they will keep on calling everyday. Having this timeshare just causes us stress plus the current problems and issuses we have due to XXXX. Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

An original letter was sent to credit bureau & the company directly and I have not received any information nor is the account deleted I also disputed this debt online as well Asking them to verify debt information & send updated results and have not received anything.it has been over 30 days without a response
Consumer complaint received 2021-10-09
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: CITIBANK, N.A. (GA)

Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX