davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

I sent a Non-member of PayPal a request to refund {$100.00} I gave her Dad on XXXX/21. PayPal 1st put it on hold on My Member Account, then refused to make funds available for me to transfer to my bank for 21 days. They keep locking me out of my account and now stalling, saying maybe keep trying other things, then I get locked out for 2-3 days more for trying it and following system prompts. " System '' keeps saying Oops, something went wrong. Please help.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

I received a letter from Sequium Asset Solutions , LLC ( a debt collection agency ) dated XX/XX/2022 saying I owed {$1400.00} ( reference number XXXX ) to XXXX XXXX XXXX mobility with an account ending in XXXX. I called them to get details. ( XXXX ) They said I had opened the phone account on XX/XX/2022 and the account was canceled for nonpayment. I told Sequium I wanted to dispute the debt. For the following reasons. 
-The name it was mailed to is my maiden name which I have not used for 7 years. 
-I have not had an XXXX XXXX XXXX  account. For the past year or so I've used XXXX XXXX for phone service. 
-I no record of an XXXX XXXX XXXX  account on my bank or credit card statements. 
-When I XXXX this company and the debt from XXXX  XXXX XXXX XXXX found that many people have had the same debt information told to them, and the XXXX XXXX XXXX has many complaints about this under the company 's name. ( see below ) hXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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. (NJ)

Upon checking my XXXX, XXXX, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Closure Request Checking Account XXXX To Whom it May Concern : On XX/XX/2021, I asked in writing for Populus Financial Group , Inc. d/b/a XXXX to close the above captioned account. 
Later that day, I was informed that my account could not be closed via email and was given instructions to log in to your account online and select Help -- > Close Your Account. 
To my knowledge, XXXX is only available via smartphone application, not online, and no such options exist within the app. 
Now, I must reiterate my request to close this account. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX I sent by certified mail to CSC Credit service Company about an alleged debt that they say I owed to CSC Credit service Company I have yet to get a response from them I informed them that my HIPPA, and my rights to Privacy had been violated under ( 5 U.S.C. 552a ) as well as 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participated in anyway, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or to attempt to collect any extension of credit, or ( 2 ) punish any person for the non repayment thereof SHALL be fined under this title or imprisoned not more than 20years, or both. 

They have reported this debt on my credit report and has caused me to not to get a house along with my insurance premiums going up. They have and are using EXTORTIONATE MEANS by damaging my name and credibility. And now their silence in this manner is Unacceptable. 

Ive asked for them to provide the following items Provide a copy of my signature with the provider to release my medical information to CSC Proved proof with a verified certificate of authority, and proof their company is licensed to collect debt in my state of Texas. Along with a license number and registered agent or agent of service. 

And lastly an affidavit signed under Penalty of Perjury that their organization has not violated any portion of the FCRA, FDCPA, HIPPA.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is violating my rights! 

Account : XXXX XXXX I spoke with a representative from XXXX XXXX removing this account from my credit reports and they agreed to do that. Transunion STILL shows this account on my report! 

There are also inaccuracies that show on this account as well and I am in my legal right to demand this account be removed from my report! 

Last Verified Date does NOT match other reports from XXXX and XXXX! 
Date of Last Activity Does NOT match XXXX and XXXX! 
Account status shows Open, this is a PAID collection! Open is WRONG! 

Each violation can fine Transitions {$1000.00} in court! I will sue if this account is not removed!
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when Ieft Texas XXXX and XXXX years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$120.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.
Consumer complaint received 2022-09-09
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: Credit Karma (NJ)

I have had credit karma for months maybe even years and they constantly mention that I am pre-approved for numerous of bank credit cards. Every time I have tried to apply for one, I am always denied. 

Credit karma has given me false hope into helping make my life better for quite some time now & I think its not fair to fill thousands of users with false pre-approved card applications and many not having any luck. 

Its been such a huge issue that a article was published, about credit karma agreeing to pay users XXXX XXXX who were affected with this issue because of a complaint made to FTC. 

Now that I see that I wasnt the only one and that its been going on for so long. I want to fight against Credit Karma and receive the help I been prolonged for.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (GA)

-I spent time comparing and contrasting across credit bureaus and under several different programs.

-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes.

-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports.

-I have spent time reading the general summary of rights under FCRA -I have taken time to place Fraud alerts for the misuse of my personal information. 
-I spent time investigation my local & state consumer protection rights.

-Reserarching forms from the IRS -Having the form 14039 Identity Theft Form submitted to the IRS -Police report
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NC)

I had a dispute with American Express regarding a card issued to someone without my authorization. The other cardholder according to Amex had authority do so which I agree. However, Amex will not say if that person misrepresented my credentials including my social security number to obtain the card. Amex cancelled the card and I removed the person from the account. The card was also sent to an address that's not listed on the account and Amex would not divulge that information. If someone stole my identity and were to request card to another address won't I have the authority to know and being notified. Amex wouldn't answer that question. 

Few week later, Amex cancelled all my cards ( one personal, and two of my business cards ) citing member policy violation. I was not notified of the actions. The letter stated that I am responsible for any charges as per cardholder agreement. 

My personal card was subscribing to ebill through my bank and payment is made automatically two days before due date on the statement balance. The other two business cards have auto draft setup to be paid two days before due date with Amex. 

I have been paying Amex this way for a number of years ( personal card for 17 years ) and business cards for about 5 and 1 year respectively. I have never been late on any charges and never had any late fees or unpaid balances. 

Upon closing my account, my past month drafts went as usual through normal means and I was hoping that the final statement of the closed accounts would follow suit this month. However, Amex without giving any advanced notice either to pay the amounts on closed accounts immediately or make alternative payment methods as it won't send any ebill or draft money from my business accounts, all my three cards were sent to collection and I received email that my cards are overdue. 

This is absolutely not true. One card was scheduled to be drafted on XX/XX/XXXX by Amex was also sent for collection. I am unable to reach Amex and question their motives and why I was not notified in advance about paying the bills directly or that they won't draft it automatically. 

I can only see a sinister motive to ruin my credit and take making a corporate statement. 

My calls to AMex are sent to a voicemail once my card number is given and no would return or take my call. 

I have the proof of my auto draft and all my payment records. Online Amex shows that my account is still fine that there's no past overdues but still it was sent to a collection agency. 

I have paid all of the outstanding amounts immediately. What Amex did was totally irreprehensible and they should be held accountable for any impact on my credit due to their irresponsible actions.
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NY)

A letter dated XX/XX/XXXX received at residence referencing a XXXX XXXX XXXX with a past due amount of {$1500.00}. 
Phoned the company, Credit Acceptance, to advise them that the addressee is permanently and totally XXXX and does not know of such a car loan. 
The representative was unable to assist and was advised that a cfpb complaint would be filed.
Consumer complaint received 2022-10-19
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. (MI)

XXXX, XXXX, and Equifax is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried disputing these unauthorized inquiries several times, and to no avail, nothing has been deleted. These inquiries do not belong to me. My next step will be to file a complaint with the federal trade commission. 

XXXX XXXX XXXX XXXX-REPORTING TWICE XXXX -REPORTING TWICE XXXXREPORTING TWICE XXXX XXXX XXXX-REPORTING TWICE
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

In summary, I have no access to my account online, the company does not send paper notices, email statements, or have they discussed the amounts in question while on the phone. 
Trade/turn in issue : In XXXX XXXX  I leased a vehicle through XXXX XXXX XXXX serviced by NMAC. I have paid every payment on time in full from day one. I have been trying to trade the vehicle in since XXXX XXXX. This had mot come to fruition due to a number of reasons including poor communication on behalf of the sales team, suitable vehicle availability, scheduling test drives during COVID. At the expiration of the else I continue to have issues that included getting call backs from the dealer to get inspections and turn in scheduled.

Managing the lease : I opted into paperless accounting. At the expiration of the lease, I attempted to access the account. I was locked out by NMAC. The phone number provided had a COVID related message suggesting calling at a later date, which I did as well. I was unsure of what i would owe without this access. NMAC finally contacted me right as we identified a new vehicle during mid XX/XX/XXXX. I expressed the desire to return the vehicle and requested a communication of what was due on the account. I was contacted by them again and expressed the same only to be refused the account balance yet again.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CT)

The debt is with XX/XX/XXXXXXXX and I have consistently tried to let them know that the debt does NOT belong to me. It belongs to my father XXXX XXXX XXXX XXXX. They have come back and placed the debt on me.
Consumer complaint received 2022-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

3 years ago I had a charge off on my XXXX XXXX have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am XXXX.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.
Consumer complaint received 2022-09-09
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. (SC)

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXXXXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXXXXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX ), which would not have been properly delivered by USPS. I spoke with a representative from XXXXXXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXXXXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

XX/XX/2021, XXXX XXXX  : Loan # XXXX Lender : Selene Finance Agent Name : XXXX stated that my loan was approved for a loan modification but never received any paperwork I have asked many times to have it sent to me, they advised that they couldn't because I declined it I stated that was never offered to me I did ask for the recorded call. Right now all I want is for the loan assistance
Consumer complaint received 2022-09-09
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.