davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2021 and XX/XX/2021 I sent letters to Experian Credit Bureau disputing the information being reported by XXXX XXXX XXXX. XXXX XXXX XXXX is an outdated account and the account has been paid in full. I also, informed them to that they are reporting delinquent when the account has been paid in full. I have yet to receive an update from Experian removing the inconsistencies.
Consumer complaint received 2022-09-28
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: LEXISNEXIS (MI)

I have tried numerous times to get this issue resolved with LexisNexis. Unfortunately, I am still unsuccessful in my quest... I have requested that they provide me with proof on how they verified the bankruptcy in question. Nothing! This issue is hindering my ability to maintain a lifestyle that includes caring for my child. Please assist me in having them update my public profile by removing this inaccurate account for bankruptcy filing. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within XXXX weeks from the date you receive this letter.
Consumer complaint received 2022-12-08
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: FRESNO CREDIT BUREAU (CA)

The company keep s changing info on my credit report. I have no contract with this company. Please see attached information on my multiple attempts. I have tried to resolve this issue multiply times. there is no litigation that is incorrect information. I have contacted investigators to have this company investigate so I can move forward. Company reports incorrect information.
Consumer complaint received 2023-06-29
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)

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has XXXX this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( Equifax, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice! 
I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-12
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (CA)

I received an alert from Experian that a new dispute was opened for the creditor XXXX # XXXX. I have disputed this item with Experian. I have not requested an investigation by Experian on XX/XX/XXXX. 
Actually there is a complaint I submitted here reference # XXXX with the same creditor. That complaint has not been closed and is past 30 days with no communication about the status. 

They have repeatedly use my complaint here to extend investigations into this creditor. They state they have updated the item by saying its been paid and closed as of XX/XX/XXXX. That did not happen especially since this account was reported inaccurately with status showing included in bankruptcy. How can I pay an account that was included in a bankruptcy in XXXX?
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC (NV)

I didn't get any information about garnishments before sending a letter to my prior employer for garnishment. I thought that the court handles garnishment and there is a third party XXXX XXXX  in AZ that inform the prior employer company to garnish the wages. I've tried to call them to make a payment plan but decline to talk to me they rather deal with employer that I don't work for
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (LA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Account Number : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (WA)

The male PayPal customer service representative refused closing the PayPal account with it's current {$10.00} balance. He insisted that I transfer the money to a valid bank account and claimed there was an existing Bank XXXX XXXX account PayPal had in file. This immediately raised red flags because PayPal can close the account and send the remaining balance to its prepaid card or mail a check to my address if record. The male customer service agent wasted my time and insulted my intelligence with nonsense about how he did not have any authorization to close the account or transfer any funds without a verified bank account. I called his misrepresentation of the truth and facts by stating PayPal can not insist upon verifying a bank account to transfer funds and closing an account. I also demanded to know why PayPal still linked a defunct Bank XXXX XXXX account with my transaction history. I stated that PayPal deliberately kept a closed bank account information on file and wanted me to link the PayPal account to it in order to verify the bank account existed. I stated that such PayPal activity was legally irresponsible and constituted fraudulent activity. I demanded to know what type of investigation PayPal was operating in concert with Bank XXXX XXXX and if gathering information about my transactions for a pending Bank XXXX XXXX investigation were the reason PayPal refused to close the account. Afterwards I stated to the PayPal representative my intention to exercise my legal rights to find more information with respect to PayPal refusing to close the account.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Starting in XX/XX/XXXX I was charged for a credit card I never had a series of charges at the same time and same location, I believe Bank of America ( BOA ) suggested these purchases were made in Texas ( I live in MA ). I called them and told them that I never had this card and that I didn't make the purchases. They agreed it was fraud and said they would 'take care of it '. Every month from XX/XX/XXXX to XX/XX/XXXX I have gotten a bill, every month I call them and they assure me that they know it's fraud, and in XX/XX/XXXX, they sent the bill to a collection agency, harming my credit. I have received letters from BOA saying that the balance is cleared with the original balance but an incorrect number indicating account #.
Consumer complaint received 2022-09-19
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. (PA)

Equifax reporting items that are due to identity theft and per the law need to be removed. The equifax breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, Global Consumer Solutions, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. customer.care@equifax.com blatantly lied to me and told me that " they couldn't find the two XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within 72 hours! They lied! I mailed in my copies, faxed it 13+ times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the two XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum 5 business days to process their faxes and I sent it last Thursday so it's been 5 business days! Plus they received the previous information THIRTEEN TIMES since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!
Consumer complaint received 2022-09-15
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. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : Equifax Mortgage Service Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I requested my credit be permanently unfrozen with XXXX and Experian on XX/XX/2021. XXXX XXXX XXXX XXXX XXXXXXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact Experian and XXXX by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC. (AZ)

I went to an XXXX facility for a pre authorized procedure. Once the facility obtained the pre authorization, I was told that my bill would be a stated amount, which I paid. I received a bill for {$1000.00} from revmd stating that I owe them {$1000.00} because the procedure was not covered by my insurance. I tried to call them several times and XXXX, their collection company. They arent answering their phones within business hours. I have been unable to get this resolved