davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting 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. (NC)

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2019-02-04
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 (CA)

I own and operate a small business. I had recently opened a PayPal account for added convenience for my customers. I have received incoming customer payments and sent funds from my PayPal account. I have been very diligent with my PayPal transactions and usage. I had recently processed credit card transactions manually inputting the card details. PayPal had placed a portion of these funds on hold. I contacted PayPal to ask the reasons why. I was informed the PayPal policy is any amounts to processed over {$500.00} in a one week period would be placed on hold. PayPal informed me they would release the funds as a courtesy because this was new and informative to me as a customer. I had called a few days later to follow up because they had not yet released my funds from the hold. The representative was rude and disconnected my call. Within one hour, I received a email from PayPal stating my account has been closed. 
I did not violate any law or terms of use in the PayPal terms and conditions. I have no chargebacks or bad transactions. I was not given any opportunity to explain my usage and given to opportunity to appeal this unjustified PayPal internal decision. PayPal representative I just spoke to, informed me PayPal is keeping my funds for 180 as standard PayPal punishment policy. I am aware of my state regulations and will contact my state regulators office because this is not fair business and treatment by PayPal
Consumer complaint received 2024-11-01
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. (FL)

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX XXXXXXXX XXXX I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments being inaccurate not the same with all three creditors to wrong information reporting.
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (CA)

This complaint is about : XXXX XXXX XXXX XXXX XXXX C/O DLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX -Whom I received a Predatory Loan of {$2500.00} in 2015, which has been paid 3 times over. However, they continue to Garnish my wages! This is the second round of my wages being Garnished after the loan was paid. I tried communicating and have gone to court with XXXX XXXX XXXX and they continue to Garnish  my wages. 

The problem is when I return to workforce my wages will continue to be Garnished and I am the sole provider for my family of XXXX. I can not provide for my family due to the Predatory Lending Practices. 

The complaint is truly about the violation of TELA and RESPA Laws that were violated at the time of receiving the loan. According to the Law : because the instalment payments totaled over four payments it falls under the TELA and RESPA guidelines. I was not told about this law nor was I told about the true cost of this loan. However, I am not an Attorney nor do I make the claim. 

But what I am is a person, a father, a dad who made a bad decision along time ago who's family has paid dearly for my mistake ever since. I feel I was taken advantage of because of my bad finical situation at the time of the loan.
Consumer complaint received 2019-01-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (MI)

In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX  XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. 
I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX  they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (TX)

The CBE Group , Inc at XXXX XXXX XXXX XXXX, IA XXXX has been sending me collection notices in the amount of {$1200.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never did business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have a frozen account with Equifax that I was able to unfreeze online to allow a banking institution access to my credit, they were unable to view my credit report. I called Equifax several times and in talking to several individuals, I was finally informed I needed to send in a photo copy of my driver licenses for verification. I have provided all pertinent information when I spoke to this last person on the phone to verify my identity, she also told me I have an online account that will let me change account info " ID and Password " Online access will not let me access my account. 
I then went to their website and unfreeze my account with my confirmation # and the bank still can not access my credit account. 
Is this because I am one of the people whose Identity that was breach?
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

Hi, today I got notified that a collection account related to a medical bill has got reported to my credit history. The collection agency contacted me ~6 months ago and informed me about unpaid balance and immediately took action and paid the entire bill to the SERVICE PROVIDER and then sent the receipt of the payment to the collection agency. They told me it will take 2 weeks for their records to get updated and they will remove the claim as soon as they confirm it with the provider. After that I tried multiple times to contact the collection agency to resolve the issue but they kept saying the account is under review. The service provider name is " XXXX XXXX XXXX XXXX ''. As per attachments you can see that I have already made a payment of {$68.00} on XX/XX/XXXX to the service provider. In order to prove that the transaction has actually gone through, I've attached my XXXX card statement for XXXX for your visibility. 
For the past 6 months, I've made multiple attempts to resolve the issue by contacting RentonCollections but I keep hearing the account is still under review. Today I got informed that this account is actually reported to my credit history. I immediately filed a dispute and send RentonCollection an email to remove this account from my credit history ( again ). But no action is taken yet. I feel I'm being financially abused and they are intentionally delaying the review.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent multiple disputes and this has been investigated. I most certainly did NOT open this XXXX account. This must have been opened by somebody else under my name. This is literally the only thing reporting negatively on my credit report. Please assist in deleting this erroneous account immediately.
Consumer complaint received 2019-01-28
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. (GA)

I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX,XXXX  XXXX XXXX  XXXX , GA XXXX.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. Please help me Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2018-01-30
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: PNC Bank N.A. (NJ)

On XX/XX/ 2017 I received a call at home from the fraud unit of PNC Bank stating there were 2 fraudulent charges on my credit card. Someone managed to get a copy of my card and purchased 2 XXXX XXXX  for a total amount f {$2000.00}. It would be physically impossible for me to do that. I was at work or on my way home from work in XXXX, NJ and the phones were purchased in XXXX, NJ. No one else that I know of had possession of the card. Someone has clearly cloned the card. 

The investigation dragged for months with the person from the fraud unit barely contacting me. 2 months later I was told to file a police report but with no clear direction where it needs to be filed and being I had destroyed the card in question, I wouldn't be able to provide that to the officers. I would lose at least 2 days of work having to do this. When I would try to call the fraud investigator, I couldn't even call her directly via her extension on the papers she sent over. She had the wrong number. 

When I was finally sent a copy of the receipts, the signature is clearly not mine. I do understand that it's one of those signature pads but that is not how I sign my name on those pads.

Last week, I manage to escalate this to a manager in the retail escalation unit and she leaves me a message it was " resolved ''. Resolved meant that I was charged back for those phones.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NV)

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Right now I have XXXX XXXX trying to pull my report and everytime it comes back stating that the social security number not found. Everytime I call Equifax they claim that they need verification a copy of my ssi card, utility bill and ID, I've sent it to them 4 times already. However they say they never recieved it. I sent both fax and certified mail. I feel that they are mixing my file with someone elses. Also I've been having issues with them removing inquiries from my report then somehow adding them back on.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (SC)

The creditor failed to mail paper statements for 2 months, XX/XX/2019 and XX/XX/2019 after paperless was declined. In addition, the creditor reports to credit bureaus that I am over 120 days delinquent when I have never missed making a payment which they acknowledge receipt.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Pay Care Credit the total full amount on my account which was applied to my balance on XX/XX/2019, I also contacted SYNCHRONY BANK/Care Credit the very next On XX/XX/2019 to confirm that my payment was received the full amount of which they were paid which they did do. Care Credit Synchrony Bank AKA Care Credit was paid in for the total estimated amount of XXXX on XX/XX/2019 and it was posted to my account on XX/XX/2019 with verification the also sent me a confirmation letter that they were paid in full the total balance. I will also be attaching my letter to verify that the account was paid in full with a verification letter and a confirmation code.
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

On XX/XX/XXXX with Acima I wanted to close out my account with the total of {$280.00}. The payment was made after the weekend because they were closed on the due date. The Representative kept telling me I could not close out the account and they give you just one day to make the payment which the customers would not know. I asked constantly if I could close the account out and he said no. I would have to continue to pay every 2 weeks. As of today I received at text saying my account was passed due it has been 3 months. I now have a total of {$250.00} due without any notice and I thought my account was closed. The company argues back and forth with you and lie and say they are the supervisor until you say that you need to make a complaint. I should not feel like I am about to have an anxiety attack when speaking with a creditor. I am a student and and I tried to do the right thing and pay off my account.
Consumer complaint received 2021-02-09
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. (NY)

I've been disputing fraud accounts 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 accounts are not showing in dispute nor are they 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 accounts 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.