davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: ID Analytics, Inc. (TX)

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and XXXX, SageSteam reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of XXXX, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CREDIT, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Consumer complaint received 2021-08-19
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. (CO)

I filed a written dispute about fraudulent inquires with Equifax and XXXX XXXX I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. Equifax did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (CA)

The Gurstel Law Firm PC was hired by the XXXX XXXX XXXX XXXX  to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXX  which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX firm has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
Consumer complaint received 2021-08-19
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: Avantus, LLC (MD)

I submitted several disputes to XXXX  regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with XXXX and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.
Consumer complaint received 2021-08-19
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-19
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. (GA)

I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedResident VerifyDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/Resident DataDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedJPMCB CARDDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX
Consumer complaint received 2021-08-19
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Paypal.com XXXX  was previously using synchrony bank and the sychrony bank website to handle all credit card matters. Now everything is on through the paypal website. 

Prior to this change I had auto-pay set-up for my credit card payments. 
I come to find out I no longer have auto-pay set-up. 
I'm trying to link my bank account details to pay my credit card statements. 
Paypal is setting an automatic security hold while trying to link this bank account to paypal. 

I've tried to contact paypal via their chat, which is automated. 

The chatbot allows me to try to enter my routing and account numbers through the chatbot, I do that but I recieve a message letting me know that my attempt has been blocked for security purposes. 

I'm basically going to pay a late payment fee because of this and overall inconvenience. 

- Poor notice of the change - Autopay was cancelled without my approval - Linking bank payment info with the new paypal mastercard interface is troublesome - Lack of support. 

I will continue to try to reach out to PayPal support but I assume I'm not the only user with these issues.
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

I took a loan out with Affirm on XX/XX/2021. It was for merchandise from XXXX. The item was supposedly delivered but was mailed to someone else. I opened a dispute with Affirm so we could go after XXXX for the refund. I was supposed to be contacted by Affirm and never was. 

I got the issue resolved on my own and the money was refunded back to Affirm on XX/XX/2021. Affirm refuses to take the dispute status off and therefore the customer service team can not apply the refund and pay off the loan. I have called 9 times since XXXX to get this resolved. Customer service keeps telling me they have escalated the issue yet no one calls back. I have also emailed multiple times and never received a response. This needs pulled off of my credit report and resolved immediately as I owe them nothing on this loan.
Consumer complaint received 2021-06-23
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX didnt inform me that they wouldnt be paying on my accounts until they got enough money to make settlements or i wouldn't have joined the program it caused my credit score to drop from the 700s to the 500s i deposited with them over {$5000.00} the only account the negotiated was XXXX XXXX from {$30000.00} to {$11000.00} and that was negated when i stop using the service .They keep all the money i payed into the account over {$5000.00} for their fees. I fought with them for months and ended up getting back around {$300.00}. If they had explained better how their company worked i would have never did their program and i would have continued to my payments on mine own. Thanks to them im out about {$10000.00} total and my credit score is now poor and in the low 500s.
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I had a call earlier today FRI XX/XX/XXXX with a very helpful Navient agent. I was made aware today that payments to federal loans serviced by Navient not owned by The Department of Education were accruing daily interest XX/XX/XXXX - present. I thought a federal loan was a federal loan. Navient is not honoring the federal 0 % APR but are rather acting daily interest. I paused payment XXXX. Further, if a borrower elects to have Covid accommodations they would have required to be renewed every 30 days and that interest is capitalized and added back to the principal every time it is renewed. This is required every 30 days. When I found out and inquired about a refund of all monies paid since XX/XX/XXXX - XX/XX/XXXX I told I was entitled to it but processing a refund will put my account in some state of failure to repay and reported to a credit agency. I insist i would like to request a full refund of any payments made on federal XXXX subsidized and unsubsidized FFELP loans since XX/XX/XXXX. The amount comes to roughly {$2300.00} in payments. One notable lump sum was {$800.00} and roughly {$500.00} was applied to interest and I was never overdue. Ever. A refund of capitalized interest charges for payments pauses XX/XX/XXXX - XX/XX/XXXX would amount to {$1200.00} capitalized on XX/XX/XXXX and {$100.00} capitalized on XX/XX/XXXX. In no way did I expect that I had a federal loan that was not being in zero percent APR. In the middle of a pandemic I did not know that I would be penalized and have {$1300.00} ADDED to the principal of my loan for pauses relating to the coronavirus. All US press said federal loans were at zero percent. Literally I paid {$1300.00} in capitalized interest before resuming payments for the PRIVILEGE of choosing to begin repaying loans thinking I was adding monies straight to principal while federal loans were at 0 %. In all I have been scammed out of {$3300.00} - {$3500.00} under the guise of being a PARTNER with The Department of Education servicing a federal loan. When I tried to call back Friday XX/XX/XXXX the call center was closed. Previous emails closed the ticket and encourage me to call but the calls are circular, threatening, attack my intelligence and are demeaning. The agents state with dubious intonation that not all federal loans are owned by ED, yet, the only demarcations on paperwork is loan type ( subsidized or unsubsidized ) and repayment type. I strongly suspect my in school deferments also capitalized interest. Very ruthless organization. I had {$110000.00} in student loans and the only ones that are not paid off in 19 years were the ones serviced by Sallie Mae then Navient. This is not a coincidence.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (VA)

My credit card, wallet and phone were stolen back in XX/XX/XXXX. The card was fraudulent used on XX/XX/XXXX for charges which were {$1800.00} with XXXX  and {$320.00} with XXXX XXXX XXXX These charges were not made by me, authorized by me nor anyone I know. I have informed Wells Fargo and also informed them that they have no proof that I made the charge because there is none. They have added the charges back on my account illegally and telling me Im obligated to pay. I didnt make the charges and informed them in time about the card being stolen. Per fraud act Im not liable and have informed them that. They are illegally still putting the charges on my account. I need assistance getting this removed and corrected because as of now dealing with corporate bullying. We have seen the documentary and reports about the illegal practices that they have committed and still do.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

A {$1000.00} check, dated XX/XX/XXXX, was cashed from my account for {$3000.00} and the bank has yet to credit my account with the difference. 

Attached to this complaint is a copy of the deposited check, obtained from my bank, PNC. You can see clearly that I wrote it for {$1000.00}. On the top line you can also see that instead of the amount I authorized, {$3000.00} was actually debited from my account. 

I contacted the bank repeatedly over the past several months. Every time I call, I'm told that they're waiting on the receiving bank to get back to them, etc. One person told me that the case had been closed, but could provide no justification for doing so.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE XXXXXXXX XXXX XXXX # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO CITIBANK IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY XXXX XXXX XXXX XXXX AND ATTORNEYS XXXXXXXX XXXX XXXXXXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (CO)

This Morning a process server called me from a Private number left a 48sec msg. Yawning and tired.XXXX XXXX. I will be served as a civil complaint Wednesday theXX/XX/XXXXand for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX XXXX XXXX XXXX direct line XXXX.14min call about XXXX XXXX account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called XXXX XXXX and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$2400.00} XXXX XXXX / XXXX / {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (UT)

Account was closed in XX/XX/2019 and then new account was opened by XXXX. 
I paid debt in full prior to this. I repeatedly told the representative to not close account because I didnt not have issue with my current contract. The representative insisted it was in good standing and paid in full. By opening a new account without my consent this inherited a debt that I was fraudulently charged for. Ive asked numerous times for phone transcripts and either I get hung up on or denied information. I am requesting phone transcripts and detailed information concerning this account legally how can they refuse but yet still demand money?!
Consumer complaint received 2022-02-18
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. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are XXXX your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (NC)

Good afternoon, my name is XXXX XXXX. Im 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.