davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC (OH)

Was contacted XX/XX/2021 by an officer who was supposed to serve papers but called me instead and worked for XXXX XXXX XXXX XXXX XXXX about a payment on my credit report to the company Why Not Lease It. The amount is for {$2500.00}, which I was told included court fees, court costs, attorney fees, or they would settle out of court for {$730.00}. They gave me a few ways to pay. I chose to pay XXXX up front and the remaining 30 days later. 

This debt is on my account, but after paying it and reading online, I feel I was scammed. I was never given a contract or agreement until after I sent the money. And my closing payment I wont get another document until after the last payment. The man I spoke to said I had 1 hour to decide or the deal would be gone and they would pursue court and bring on fraud charges.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-10
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

Someone went to the XXXX  and took my money off my card while I was at work all day with my card on me. I don't understand how someone can take my money off my card and I have my card. They saying I gave someone permission to use my card. If I would have gave someone permission then they would've had my card not me. So I just want the information so I can give to the police so they can start the investigation. They not trying to give me any information and I don't understand why not because this was money that belongs to me. I truly got scammed please help.
Consumer complaint received 2022-08-04
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. (PA)

On XX/XX/XXXX XXXX Ive spoke to XXXX from Equifax about two accounts on my Credit Report. Which are # XXXX XXXX XXXX Account ending with # XXXX, its closed and charged off, Also # 2 XXXX XXXX XXXX which doesnt have an account # on this report. As I ask the question of do you have a signature on these accounts from me that I consent to these accounts, XXXX started giving me the definition of the banking system and The Credit Bureaus and I asked again do you have my signature to consent these accounts. Again XXXX dodged the question and I can heat in his voice he was irritated so I asked for a supervisor it took 10 minutes he stated they dont need a signature he knows the law I said do you understand what 15 usc.1681 b2 he says yes you must dont fully understand the law his voice got louder as I started to read ( 2 ) disclosure to consumer which I didnt get a chance so I said you have a great. Im going to file a report this has made me feel sad someone yelling on the phone.
Consumer complaint received 2022-08-01
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal codes my account for no reason and will not help me getting it back I am sure this is some mistake as I assume it has to b I have not been able to get help from them for months and its affecting me a great deal My email linked to PayPal is XXXX XXXX
Consumer complaint received 2021-01-15
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2020 around XXXX XXXX  I received an alert from XXXX XXXX  and XXXX XXXX about a new hard inquiry which i do not recognize. It was made to XXXX  by Barclays Bank Delaware. I have not solicited any credit services since XX/XX/2020. I tried contacting this bank via phone at XXXX but was unsuccessful after waiting on hold for 2 hours. I already placed a frod alert through XXXX  to all 3 credit bureaus. Since i was unable to contact barclays bank delaware, i need a report from ftc so that XXXX  can remove the fraudulent hard inquiry from my credit report.
Consumer complaint received 2021-01-15
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: The CMI Group, Inc. (FL)

the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) XXXX XXXX # XXXX 2 ) CREDIT MGMT # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase bank in XXXX TX. Since the government start giving out stimulus checks my bank has taken it upon themselves to credit my account for money to help but it end up hurtling me and many other consumers. Because what Chase does is once your stimulus money has hit your account that give you credit if you over draw and them 30 days later they charge back that amount to your account, which puts customers right back in the hold where I was. I had {$2800.00} deposited into my account on XXXX and at that time it was over drawn {$1200.00} which was from my rent. I knew that my stimulus check would cover it and bring my account back current and I could take care of other bills. I previously asked Chase not do credit my account as they did before when I got the {$1800.00} stimulus checks and they agreed. But I checked my account today and saw that they went against my request and credited my account when it didn't need it because my stimulus check too care of the overage. Now that Ive notice what they've done its going to cause a financial hardship for me that I can afford. : ( and I really need some help with this matter.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

Hello I have for the past 2 years tried to correct a problem with Equifax credit services, they have been reporting me as Deceased and not providing me a credit score. I have sent Certified documents to include birth certificate, drivers license and copy of my social security card to prove I am not dead or deceased.They consistently tell me they have all the documents they see the documents but they have not fixed the problem mentioned above and that it is the lender doing this not them The problem I have is they are reporting all my credit accounts, but not giving me a score on a month to month basis they also have addresses that I do not recognize or have not lived at in over 25 years and I want those removed, I respectfully request your assistance in resolving this problem and that Equifax be fined according to the Federal Trade Commision rules and regulations that govern them, thank you
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2016-09-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (DC)

This creditor is extremely aggressive in their collection practice they are harassing me not only at work but on my cell phone as well. I 'm trying to work somthing out with them but they are treating me like a dog. Can you please help me with this.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I cashed a girls checks and her boss put stop payment so chase bank but the had her bank returned the money. In mean time I moved to XXXX from XXXX XXXX to XXXX and opened a account here in XXXX XXXX. I then found out these 2 checks was send to me. I called chase bank and ask them if I can deposit the checks 1 for {$210.00} and 1 for {$55.00}.

They told me yesterday do I have the app to chase I said yes she then said yes there your checks deposit them. So I did. Weeks later they where returned to my account as no good and charged my account another {$12.00} x 2 on both checks.
Consumer complaint received 2021-02-24
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. (NJ)

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-04
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. (TX)

Equifax is violation of 15 U.S. Code 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I did not give Equifax permission to assemble and evaluate my consumer credit or any other information which violates ( 15 U.S. Code 1681b ( 2 ) ). Equifax doing so without my consent is identity fraud.

Equifax also violated 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax did not exercise grave responsibility with fairness by submitting false credit scores to financial institutions, which stopped me from being able to purchase a home and other essentials for myself and my family. My right to privacy has been taken from me and I feel unsafe.
Consumer complaint received 2021-09-15
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: Uplift, Inc (PA)

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on UPLIFTINC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MO)

I first received notice of the charge on my credit card in XX/XX/2020 and the card had expired in XX/XX/2020. I attempted to contact the company making the charge, and for which I had not been informed of the charge, to get resolution from them with no success. I then made several attempts to contact Barclay, the issuer of the credit card, beginning in XXXX or XXXX of 2020 and was told through their customer service phone number to submit my complaint online through their dispute resolution process. I did this and each time it was submitted and followed up on that this was the only way to address the issue, they could not resolve it by phone, and that follow up could be expected to take 4-6 weeks each time I made inquiry. After I attempted to resolve this with them over months, I was told it was " outside the date '' at which it could be addressed. After the last communication I had with Barclay, I asked to discuss this issue with a supervisor and I was told one was not available at the time ( even though it was during their posted business hours ) and one would have to call me back at my number. After a couple of days, I received a call that I was unable to take at that time. I returned the call but did not reach anyone, but received a message saying " they received notice I was calling and they would return my call ''. This was attempted twice, with the same message given, and the call was never returned.
Consumer complaint received 2022-08-04
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. (NY)

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 n 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-03-31
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)

XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (TX)

I called XXXX  Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX  visa.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX I received {$200.00} from a family member, I then try to transfer my funds to a card attached to my account And I got a message saying to try again later. Then get a message saying that I had limitations on my account into upload a picture of my ID and A picture of the card on file I Uploaded my picture ID and the card on file was a virtual card therefore I took a picture of the virtual card and Uploaded that period. Next thing you know I got a message from PayPal saying that my account was closed in they can no longer do business with me And told me I had to wait a 180 days to receive a email in discussing how to go about receiving my funds. Prior to this day I've had A couple other transactions and everything went through fine So I am confused as to why PayPal Close my account and expects me to wait a 180 days for my money.