davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
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. (GA)

I have been disputing these 3 accounts for months with Equifax concerning INACCURATE and INCOMPLETE information they have failed to provide : XXXX XXXXXXXX XXXX ( credit card account ) - PLEASE SEE PAGE 4 ON REPORT XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 6 XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 9 THESE 3 ACCOUNTS HAVE NO ACCOUNT NUMBERS : 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. If an item of information disputed by a CONSUMER is found to be INACCURATE or INCOMPLETE or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptlydelete that item of information
Consumer complaint received 2021-12-26
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)

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the Equifax Report that there was a XXXX XXXXXXXX Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with XXXX XXXX XXXX I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting XXXX XXXX XXXX XXXX to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in XXXX XXXX XXXX XXXX  fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling XXXX XXXX XXXX XXXX, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within XXXX XXXX who he had had working with another of his clients who had an open case with XXXX XXXX  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from XXXX XXXX XXXX being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but XXXX XXXX XXXX is really working hard to make that impossible. 
After doing internet searches on issues with XXXX XXXX XXXX XXXX XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through XXXX XXXX XXXX through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and XXXX XXXX Bank will exacerbate id theft going forward.
Consumer complaint received 2021-12-26
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-01
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Consumer complaint received 2019-07-05
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: FactorTrust, Inc. (TX)

Factortruct, Inc is on my credit report I don't know what this is I never apply for anything at this company. Factortruct, Inc on my credit report can you please remove them. Starting with date XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is effecting my score they are hard hit item that I have no knowledge of. please can you remove them.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MO)

I purchased a prepaid PayPal card for my daughter to use because she is under 18. I chose PayPal because I can link to my account and watch what is spent. The card was instantly shut off by the company and they refused to tell me why and also refused to reactivate said card unless I sent them proof of my identity, address, social security number and source of income. This is a prepaid card. Now I am out the money I put on the card and my daughter is stuck away from home with no money because of this.
Consumer complaint received 2022-03-12
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: CBC Companies, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (PA)

On XX/XX/2019, I received a letter from Dynamic Recovery Solutions, regarding a supposed debt from XXXX XXXX XXXX XXXX, which was sent originally to XXXX XXXX XXXX, XXXX, and there was never any sort of contact received about this alleged debt. When I called, the person at DRS refused to give me the information of a contact person at the supposed original Creditor, in order to dispute the validity of this claim. I am sending a cease contact letter to DRS but wanted to report unfair  debt reporting and contact- as the original debt is allegedly from XXXX more than 9 years ago.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Cashnetusa deposited {$300.00} into my personal checking account on Wednesday, XX/XX/2019. They used my personal information from a loan they had transacted with me 10 years ago. I contacted them upon discovering the deposit today, XX/XX/XXXX. I was told they could not reverse the deposit because more than 24 hours had transpired. I argued with several agents for nearly 45 minutes before they finally agreed to reverse the deposit. My complaint stems from the simple fact that I DID NOT authorize anybody at cashnetusa, whether on line, on the phone, or in person, to grant me a loan of any kind whatsoever. I sincerely believe that the only way this loan was transacted was by a cashnetusa agent with nefarious and/or fraudulent intentions.
Consumer complaint received 2021-10-02
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. (NC)

Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.
Consumer complaint received 2022-05-04
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. (CT)

please be advised this is my 3rd official complaint against XXXXToday XX/XX/2022 I received a letter from Equifax which confirmed that every complaint was Accurate and that every negative item on my consumer credit report must be deleted and removed. Every late payment must be removed and everything item shown as closed must be reported paid in full or deleted. Equifax letter states They received my request regarding my consumer report and they are unable to locate a credit file for me for one of the following reasons : 1. I have not applied for credit recently 2. I have not actively used credit in the past 10 years 3. I have not lived in the United States or have not been issued a U.S. Social Security Number. 
However when I called Equifax today XX/XX/2022 to confirm that the accounts were indeed non-existent, they said that the accounts were still reporting on my consumer profile. ( didnt they just say I didnt have an account? ) This letter I Received From Equifax is Enough Evidence that Equifax have indeed violated 15 U.S.C 1681 section 602 which state I have the right to privacy. & 1681 Section 604 A Section 2. It also states the consumer can not furnish an account without my written instruction. 15 U.S. Code 1681c-1-Identity Theft prevention, Fraud alerts which they clearly disregarded. I have provided police reports, identity theft reports and they simply ignore all my requests to delete the items. 

CFPB claims that you take action to halt illegal debt collection practices CFPB claims to enforce and take actions against predatory companies & practices That violate the Law and returned billions of dollars to harmed consumers.

CFPB claims to root out deceptive or abusive acts or practices by writing rules, supervising and enforcing the Laws and monitor financial markets.

CFPB will you enforce the Laws on my behalf and Halt illegal debt collection practices and make Equifax, XXXX and XXXX pay for the damages they have done to my consumer report and my life and for breaking the laws?
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

XX/XX/2017 I applied to consolidate my student loans and reduce the interest rate when they were really high. I applied on a website that gave me options, and ended up with Mohela, which eventually became XXXX through the paperwork process. After I accepted the rate and the paperwork was sent I figured this out. And I also learned that they listed all of the benefits of a Federal Student loan and said, 'MIGHT NOT BE ELIGIBLE FOR " before each benefit. NO where on the forms did it say, these will be private loans and no longer eligible for any type of Federal Student loan benefit! 

they intentionally mislead the borrower by saying 'you may ' and offering the same payments as a Federal Loan Servicer. They even show the Federal Loan paperwork on the account website, saying apply for Loan Forgiveness and such.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

For over two months, I have not been able to access my bill pay account through my online bank, Capital One. I only have full access to my bill pay through my desktop browser, not my mobile which gives limited access. It is the desktop that is not working, but has the full access. Each time I have tried to access my bill pay through my desktop, I receive the same messages " Oops, we've hit a snag! Looks like we ran into a snag displaying this account, but we're working on it. Please try again in a bit. '' and " Oops, we've hit a snag. 
We ran into a snag trying to retrieve your account details, but we're working on it. Try again in a bit, or give us a call at XXXX. '' This has consistently been the messages I receive when I try to enter my bill pay. I have called customer service on a number of occasions and have been told that they are aware of the problem and are escalating it. I have been into the internet cafe for assistance. I have sent emails. All to no avail. Since this is an online only account, I do not expect to wait this long to have a resolution to this electronic problem. I am now highly suspicious that the bank is discriminating against me for some reason and is trying to shut down my account by inconveniencing me. When I have spoken with customer service, they direct me to the mobile site, even though it offers different and inferior access. It does not allow me to enter recurring payments or to get details of merchants that are listed for payment. For instance, I can not see account numbers to make sure I am paying the right amount to the right merchant when I have more than one account with a particular company. In fact, I tried to pay some insurance bills today, but because the mobile site doesn't tell me which of two accounts I am paying, and each needs different amounts, I can not tell what I am doing at all. Since I have waited over two months trying to deal with this bill pay problem and with no effort from Capital One to reach me to resolve this matter, I am convinced they have no intention of doing so. 

As someone who has been a customer for over 12 years, without prior problems, I would like to know why Capital One is making it so difficult for me to use my account so that I am forced to shut it down.
Consumer complaint received 2022-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC (OH)

XX/XX/2022, I received a call from a company out of New York by the name of XXXX XXXX Yes, I had explained to the representative that I have no loan. I did ask for information about the loan but he refused to provide it. I then asked to get placed on a cease and desist. 
XX/XX/2022, Same company called again I asked why aren't they honoring my C & D. He hung up. 
XX/XX/2022 next day, same company -female called and she hung up real quick as asking about the loan. 
XX/XX/2022, Prime Recovery LLC called about XXXX XXXX Yes, explained to the representative, never took out this loan, never received documentation about this loan. Asked her if the SOL has expired, she couldn't answer. Claims she was closing the file and returning to the client. Requested C & D XX/XX/2022, received a text message from Prime Recovery LLC detailing loan is owed to XXXX XXXX XXXX XXXX, after a C & D has been requested. 
XX/XX/2022, called Prime Recovery LLC was told wait 72 hours.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

There is an issue with the automated phone payment system for Frontier Airlines Business Credit card on XX/XX/2021. The system changed this month where it would not let the owner, employee or administrator make a payment. Given the option to talk to a representative I waited on hold for an hour and when I got the representative she could not find my account. She put me on hold for another 20 minutes to talk to a security advisor and then got dropped. After the fact, I noticed that the last four digits are different on the monthly mailed statement and the actual credit card. The Frontier pay-by-phone number is XXXX. Problem was not resolved and my payment is now late. 
Note : I use the automated phone system for all my payments and never had this issue in the past.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Dyck-O'Neal, Inc. (MD)

This letter is to initiate a complaint against Dyke ONeal collection agency,  located in XXXX, Texas ( please see attachment provided ). 

At an earlier time, I was forced into a short sale of a property I had owned due to vandalism. The mortgage holder required that a {$5000.00} promissory note, with payments of {$42.00} per month. This note was subsequently turned over the Dyck ONeal for servicing. 

Dyke ONeal sent me monthly billings on a regular basis until the middle of last year ( XX/XX/XXXX ). For five months, I received no billing statements - and therefore no payments were made on the note. In XX/XX/XXXX, a  representative of Dyke ONeal contacted me by telephone and informed that the note was in arrears. I promptly brought the note current. 

Later, Dyke ONeal placed a derogatory note on my credit report, stating that I had missed five payments. I phoned the company to request that the derogatory information be removed, as I had not paid because I had received no billing statements. The company refused to do this, citing that they sent out billings as a courtesy only, and hung up the phone on me when I complained. 

I would like to request that action be taken to compel the removal of this information from my credit report. I have excellent credit otherwise, and what they have added is very damaging. 

In addition, the short sale was originally mis-reported on the credit report as a foreclosure, when this was not the case. 

This issue was already referred to the Maryland Division of Financial Regulation, but they were unable to have the derogatory information removed. Further, XXXX XXXX, XXXX at Dyck-O'Neal made several untruthful statements to that agency during the course of their investigation. 

As a result of this situation, I am looking at payments on a used car of nearly {$100.00} more PER MONTH due to the fact that my credit score dropped approximately 115 points. This is a material adverse financial impact. 

What rights do I have as a consumer regarding credit reporting agencies? There would seem to be no accountability for the veracity of their information, despite its impact on peoples lives. 

I may be reached by telephone on XXXX should you wish to discuss this matter further. Please note that if you call and receive an unusual response, you have probably reached my robocall app. I will call you back. 

Thank you in advance for your assistance.
Consumer complaint received 2022-03-04
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}