davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NC)

I hope all is well I paid the debt for PayPal pay in 4 for the amount {$90.00} and several agents advised once I made the payment I would be able to use PayPal pay in 4. Im still not able to use Paypal pay in 4. It wasnt my fault that it went to your internal collections department because I tried to pay it several times but it was not showing up for me to pay on PayPal.com. Can you please fix my account so Im able to use PayPal pay in 4 that was stated by your other representatives ( several ) they said once I make the payment I will be able to use PayPal pay in 4 again and I have witnesses and documentation of this. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-04
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. (GA)

Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section. Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (KS)

My first request for verification was on XXXX and that was over 180 days and i have yet to receive proper verification from this alleged XXXX debt that it is on my report. Also i never even received the option or the communication needed to rectify this alleged debt. XXXX has not verified this account or anything and i've sent countless letters to them. I need your help because they are ignoring me.
Consumer complaint received 2023-01-12
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.
Consumer complaint received 2020-09-09
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. (MA)

I was victim of fraud and I have a Bankruptcy on my three credit reports ( Equifax, XXXX, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in BK ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.
Consumer complaint received 2023-01-12
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. (MA)

I was part of the Equifax breach settlement. The status of my claim is indicated as " paid '' as of XX/XX/2022. I have received no payment. I have contacted the settlement XXXX twice to inquire about the status of my claim during the many months the status showed " pending '' and once to report that I did not receive any payment after I saw that my status had changed to " paid '' using the secure form on the Equifax breach settlement website. I have not received any replies or acknowledgments to these messages.
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

On XX/XX/2021 I sent Simons Agency a certified letter requesting proof and documentation of two debts which appear on my credit report through XXXX. To date, they have not sent the documentation and the debt still appears on my XXXX credit report. The letter was received by XXXX XXXX on XX/XX/2021 and was signed for. Accounts are both XXXX XXXX XXXX # XXXX XXXX  and # XXXX XXXX
Consumer complaint received 2022-04-04
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. (MI)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Because of the civid 19 pandemic my family was put in a hardship Because of our government mandated rules that has to deal with us working and being able to provide adequate support for our family... I have disputed 2 companies in XXXX  about 30 day late payments on both of my credit cards with them being capitol one and XXXX XXXX XXXX XXXX and they both denied me... I feel this is against everything we stand for a a people. My family should have the same rights to have stuff removed during a pandemic as everyone else. Pls help
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To be completely honest, I am so overwhelmed and confused at Capital one 's practices it is unreal. They have been reporting late payments when I wasn't late. There are more then XXXX instances. I have dealt with XXXX deaths back to back in the last year from people closest to me ( my dad and my sister ). I recently had the XXXX and was out of work for XXXX month with no pay. Capital One has absolutely done more good than damage for my personal credit report. I phoned in on XX/XX/XXXX I believe it was to make payment arrangements. Keep in mind I always pay my cards off in full. I just hit a bump in the road. I was placed on XXXX different payment arrangements as I have XXXX accounts one ending in XXXX and the other ending in XXXX. This pandemic has literally taken a toll on the best of us. The late payments reported have literally killed my credit. I'm a single mom who works XXXX jobs, have a kid in XXXX and one in XXXX who plays XXXX. I'm trying the very absolute best that I can. I also called in yesterday XX/XX/XXXX and asked for a print out of all the payments made and was on hold for over XXXX minutes. I then told the rep that this isn't an unreasonable request and I no longer could be on hold. I wake up at XXXX XXXX everyday for work. I needed to get to bed. I just want this rectified. This is absolutely unacceptable.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc. (ID)

this company failed to provide service because of lack of manpower during the coved pandemic, I called the local representative a bunch of times. One excuse after another, so I canceled my service. The local contact tried to talk me out of canceling but I had paid for service not delivered. I thought I should receive a refund, but to no avail. They brought out a second receptacle, which I did not order. Called back and canceled again, so they said set the receptacles out in the barrow ditch. By this time I had signed with a different provider for the service. I kept receiving bills, I continued to call the local number which wasn't being answered with any regularity. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Idaho. 
XXXX. I had canceled XX/XX/XXXX and was in good standing at that time. The bills kept coming as though I was still a customer. I had balanced my account with a local representative over the phone and she had agreed I was current.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

On XXXX I signed documents for a loan modification on my house through Ocwen Loan Servicing , LLC. The modification went into effect XXXXI filed for XXXX  XXXX Bankruptcy XXXX. All payments were taken directly from my paycheck. The loan servicing either changed hands or name to PHH Mortage Services. It is now XXXX in C/O PHH Mortage Services XXXX My Bankruptcy has been paid off. After the Bankruptcy I started using a third party company to make my payments, In XXXX of XXXX  I requested a payoff. That's when I discovered that during the loan modification there was a non interest balanced placed on my loan. I received a letter from XXXX dated XXXX that I had a surplus in my escrow account and I would be receiving a check for the amount of the surplus. I received the check around the time I received the payoff letter. That's when I was made aware of the non interest balance. I tried to apply the check to that balance. XXXX would not allow me to do that. That's when I discovered that there was a clause in the loan modification that allowed them to put this balance on my loan. I was not aware of this at the time. My main concern that that I was keeping my house. I have been making my payments on time for a good while now and want this balance taken off of my loan. I don't believe this balance is right. I believe that the company used my situation to benefit themselves and it has put me in worse financial shape then before. The payoff is more than what the loan was for to begin with. I have been in this house for almost 17yrs.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an account on my credit file that doesn't belong to me. I asked TransUnion to investigate and remove the account. I filled out an Identity Theft Affidavit they said they couldn't accept that and I needed to do an FTC report. I have filed an FTC report and have attached a copy below. This incident has caused my family many issues, credit scores dropped, credit limit decreases, and it was brought up at my job.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (VA)

About month ago I got a notification from XXXX XXXX asking if an account was correct. An account was opened for a XXXX credit card and was late making payments. Account limit was about {$400.00} but only {$290.00} was actually used. Account was opened in XX/XX/XXXX. I dsputed account with XXXX XXXX and it was removed, but I also contacted XXXX, they sent me a letter how to properly dispute account which brought me to this site.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX I sent this message to XXXX XXXX about a purchase I return I made last year that was NEVER refunded. I returned two items on the same day, one was a fan and one was a fireplace. I dropped them off at the same place ( XXXX ) and theres VIDEO FOOTAGE of me returning the item. I received a receipt. A few days later I received a refund for the {$100.00} fan, but NEVER for the {$360.00} fireplace. I would like that amount to be credited to my account. ( I've attached proof ) I sent the message below to wayfair card on XX/XX/XXXX and they've yet to respond. Even though they are supposed to respond within one business day.

" Hello! 

I returned two items to XXXX last year. The smaller item return was posted to my account, but the other item, which is worth over {$300.00} still hasn't been credited to my account. I returned both items at the same time. 

Please help! ''
Consumer complaint received 2020-09-09
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: SYNCHRONY FINANCIAL (TX)

There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from Synchrony. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.