davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

In XXXX XXXX I got a loan with XXXX for XXXX  use the account went in default and closed in XX/XX/2017. XXXX three years later sold the account but continues to keep it on my credit, they then report as XXXX/tomorrow, and then XXXX  also I report to all three bureaus but equifax was the only one that didn't remove the account. I got a letter in the mail stating that the account was sold to galaxy enterprise. Requesting that I have to pay them XXXX when the account closed I owed them XXXX, now I have another company Requesting money for the account for XXXX XXXX and it is still XXXX. Under frudling acts I am asking for your help to have this account remove from my credit.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, Equifax and XXXX has not complied with the Fair Credit Reporting Act, XXXX5U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-11-23
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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)

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added XXXXIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

At XXXX XXXX time on XX/XX/2022, I received a login code I never requested followed by a notification that my email was removed from my account. this prevented my notification of any subsequent fraudulent transactions, so I don't know what the criminals have been up to. Any and all transactions made at or after that time in that account are fraudulent. I can not see any of these amounts since my account was hijacked at this point and I was rendered unable to login through the removal of my email address. I was asleep and not logged in, so I could not possibly have made the transactions. I contacted cash app immediately upon waking up that morning via in app ticket through another account, through XXXX, through email, and made numerous attempts to reach them by phone. I have sent dozens of emails back and forth with support and they will not do anything to remedy this. I want any fraudulent transactions reversed and the account closed, and I have been upfront about those instructions, my personal information and what happened from the very beginning.
Consumer complaint received 2021-01-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX, I received a notification from PayPal with a receipt of {$1000.00} from XXXX on my account. I already had my XXXX account locked at this time due to suspicious activity, so I knew this was a fraudulent transaction. I immediately contacted PayPal through their live chat option with the information about the fraud. I was advised to file an unauthorized transaction case, and did so that same day. On XX/XX/XXXX, I received an email from PayPal saying my case was denied. I logged into PayPal for more details, and to my shock they had allowed six more transactions to go through from the same merchant. I then called PayPal to find out why this was still happening after I had alerted them of the fraud. I was told to appeal the decision and upload any proof I might have to help my case. I filed my appeal with screenshots of me being locked out of XXXX during the time of the transactions, and in less than 10 minutes, it was denied again by PayPals computer system. I was forced to contact my credit union that is connected to my PayPal account and instruct them to not allow any transactions through until I could get my account secured. From the PayPal website, PayPal defines an unauthorized transaction as an Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. This is exactly what happened to me and I have become a victim of computer fraud. PayPal has now sent my account to their collections department and offered to settle for a reduced amount. I contacted the office of the Minnesota Attorney General, and they suggested that I file a complaint with the XXXX XXXX XXXX. I would greatly appreciate any help in fighting these charges.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (TX)

My XXXX Ferderal income tax return refund in the amount of {$2200.00} was deposited into the wrong checking account at JP Morgan Chase. This was due to my tax preparer inputting the wrong account number on my direct deposit transmittal form. When I discovered this had happened I immediately reached out to Chase to advise them and they confirmed that they could see the deposit sitting in the wrong account. They could also see where all of my refunds had been deposited in my correct account every year prior to this year. 

Chase advised me that I would need to reach out to the Internal Revenue Service so that that they could request the withdrawl of the funds from the wrong account. I did this and it took 120 days to get an acknowledgement letter from the IRS. Later, I did find out that the IRS traced the money and they requested a refund of the money and Chase told them that they could not refund it because the money was no longer in the account. 

Chase told me a number of things including : 1 ) There was no way that Chase would have deposited the refund without checking to make sure that the name on deposit matched the name on the account. 

2 ) That the IRS never requested a refund which the IRS confirmed that they had 3 ) That I would need to prove that the IRS reached out to them 4 ) That there was nothing that they could do to help me. 

The IRS stated : XXXX ) That they deposited the money into the same account as my XXXX return which they later acknowledged was not true by their own records of my XXXX tax return direct deposit transmittal. 

2 ) That they performed a trace on the direct deposit and found that the money was deposited into the wrong account and that they requested a refund from Chase 's XXXX department who refused and told them that the money was no longer in the account. 

3 ) That to get my refund back I would have to get it from Chase. 

Basically, I have been ping-ponged back and forth between Chase and the IRS and I have been working on this since XX/XX/XXXX. My refund was deposited into the wrong account at Chase on XX/XX/XXXX. Chase and the IRS are blaming each other and its been 7 months. I am requesting assistance in getting this matter resolved.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (LA)

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, Texas XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire day of XXXX.
Consumer complaint received 2022-04-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # XXXX CONTACT # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX # XXXX XXXX
Consumer complaint received 2022-04-26
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-25
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (PA)

Back in XX/XX/XXXX a store card for a macys  credit card was opened in my name. I have disputed this account several times with the merchant and also with the Credit bureaus. This account was charged off back in XX/XX/XXXX. However even though this account was charged off and is set to come off of my credit report XX/XX/XXXX. Macys still continue to report monthly late payments on this account. When this account was charge off this account should no longer be reporting monthly. This account was last reported this month XX/XX/XXXX. When I go to apply for something it looks as if I have recent late payments with this account. I have reached out to macys regarding this asking if they can send me a letter when this account was paid which was in XX/XX/XXXX. The rep told me that they will only be able to send a letter saying it was paid but not with a date because they are not allowed to do so which I find that hard to believe. when I contacted the credit bureaus regarding this issue also I was told that I need a letter from macys  when this account was paid in order for them to stop reporting monthly. Every month I get a new update from macys on my credit saying late payment which should not still be affecting my score when it has been 6 years and as mentioned this account is due to come off XX/XX/XXXX.
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: MARINER FINANCE, LLC (TX)

I took a loan from mariner finance and hit hard times. I paid off 70 % of the loan but when I missed a payment they took an aggressive tactic toward me, threatening me, leaving hundreds of calls, and threatening to get me and my XXXX XXXX if I didn't pay them immediately. They also wrongly and falsely reported to my credit report that I was delinquent
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

My student loan debt when I completed XXXX  school in XXXX was {$54000.00}. Today, it is {$44000.00}. I have made over XXXX payments since XXXX yet my debt is only $ XXXX less. There were 3 months where it was at collections in that time, but I resolved it. 
How is it possible it is only XXXX less? Also, the loan servicer only had from XXXX. When I asked to get my history going back to XXXX they said they can't access that as they have no history. I then contacted Nelnet, who I was able to find, had my loans from XXXX. They said they could not find my payments prior to XX/XX/XXXX because the servicer prior had gone out of business. I continued to dig, and found XXXX XXXX XXXX  who provided me with a print out of XXXX. That was all they had. We have a lapse now from XXXX. 
These are payments I have made to the federal government for my degree in XXXX XXXX, giving back to society. Payments that they can't seem to track since they switch servicers so often. A loan that after 22 years of payments is only XXXX less. Something is not right.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TN)

This company is reporting inaccurate information on my credit report this debt is not mine. I never received anything in writing proving ownership of this debt .And I have never signed any contract with this company. I believe this account is a result of identity theft because the other credit agencies have already removed this fraudulent account from my credit profile. This company has already removed this information on a separate occasion now they are reporting it back on my credit profile. The information they are reporting is inaccurate and unfair. It states I opened an account with them XX/XX/21 I never opened an account with this company and this is a violation of federal law 15 U.S code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 1 ) ( The banking system is dependent upon fair and accurate credit reporting ).
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (GA)

A individual named XXXX called for XXXX ( Superlative RM ). He asked if I knew an XXXX or XXXX XXXX, I did not. He repeated the question and I answered I did not know them. 

I then asked who was he with, he did not answer, I asked again about relatives of the XXXX '. I asked a second time and he hung up without answering the question of what organization he was with/representing. 

He then called my wife, and when she advised that he had just spoken with me, he hung up immediately before she could ask him who was he with. 

I contacted the company, and filed a complaint with XXXX XXXX.