davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (AL)

Hi I am submitting this XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2023-07-21
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. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2023-07-20
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. (TX)

In XXXX XXXX XXXX I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX XXXX XXXX  which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.
Consumer complaint received 2023-07-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I received the letter from American Express National Bank that someone attempted to one or m ore deposit accounts in my name at American Express National Bank, and it was without my authorization, the applicant had access to my name, address an Social security number prior to presenting it to them. I know who stole my identity and i am very scared about it. Last month people called me that they are from XXXX XXXX and someone tried to use my card and I believe them. They asked to me download the app on the iphone luckily it didn't work out. They took my XXXX XXXX XXXX card number and I was told by them that they will send the link and I should authorized but I declined the request and my bank found out it was fraud .I came to know people pretend they are calling from my bank and made me fool. Also I get new credits card which I never authroirized to opne. Please let me know how I can save the identity..
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-21
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: ENCORE CAPITAL GROUP INC. (IL)

I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character. Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805. In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer. Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent. As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Consumer complaint received 2023-07-21
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. (AR)

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputatyion. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2020-12-23
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. (FL)

I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

Thank you
Consumer complaint received 2024-11-05
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: WELLS FARGO & COMPANY (CA)

To Whom It May Concern : I am writing to formally escalate a matter I have been trying to resolve with XXXX XXXX customer service team. I recently had a very unsatisfactory experience with a representative who was rude, condescending, and failed to properly address my concerns regarding an unwarranted 30-day late on my credit. 
XXXX XXXX was the escalations representative assigned to my case. Despite my attempts to explain the situationincluding the difficulties Ive faced with making payments due to poor customer service and communication issuesI received no meaningful resolution. Upon realizing this matter wasnt going anywhere, I requested XXXX superiors contact information in which the representative repeatedly claimed to be at the very top of the hierarchy, stating that no one was above him. 
Specifically, I am concerned about a 30-day late that I believe was wrongly applied to my credit history, resulting in a drastic hit on my XXXX scores. This late is due to be the result of an oversight on Wells Fargos part, as I had been informed that I was placed back on autopay after an earlier issue. The representative dismissed my concerns, referring to the issue as a matter of forgiveness, which I found to be an incorrect characterization of my situation. 
Further, upon pulling up the recorded calls between customer service and me, the representative acknowledged the presence of a significant language barrier in my prior interactions with Wells Fargo customer service, yet he still failed to take any concrete steps to rectify the issue. 
In our final exchange, I requested the contact information for the legal department, as the representative claimed that he was unable to escalate the matter further. He promised to follow up with me but has failed to do so, leaving my concerns unresolved. 
I am disappointed with both the lack of resolution and the unprofessional behavior exhibited during this interaction. Given the circumstances, I am now formally requesting that this issue be escalated to the appropriate level for a thorough review. Please provide the necessary information for further escalation or a direct response from a senior representative who can help resolve the matter. 
Thank you for your prompt attention to this issue. I look forward to your response and a satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Last Month I got a called from my bank saying there fraud activity, I looked up the phone number and it came up as a chase number and that I needed to send money in order to fix this. They made me send XXXX dollars. I tried disputing the problem with chase and they have done nothing to help me.
Consumer complaint received 2024-09-03
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. (MS)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX bal. {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX bal. {$110.00} HOPE XXXX XXXX XXXX bal. {$0.00} XXXX XXXX XXXX XXXX bal. {$0.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

I received on XX/XX/2023 a debt collection letter from XXXX XXXX XXXX for a PayPal Inc account which I have never opened. 

The initial 'debt ' was for {$66.00}, with XXXX XXXX adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over XXXX years. I have never opened a paypal account, and after speaking with PayPal they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

PayPal informed me that the account was tied to a XXXX address which is not mine. 

PayPal is enabling Fraud, and does not care how it impacts consumers.
Consumer complaint received 2022-07-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-07-21
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)

XXXX, Equifax, XXXX, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (NV)

XXXX XXXX & XXXX XXXX record on my report from places i've never been, or lived. Also, several names that are attached to me that i've never used for any reason.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened Citi Priority Account in late XX/XX/2021. After a few days, Citi bank locked my account due to fraud protection and took more than a month to unlock my account. During the time under investigation by fraud protection team I did not deposit any fund to the account. After the account is unlocked, I deposited new fund over {$50000.00} in total to Citi Priority Account. Finally Citi declined me the welcome bonus offer as they said I didn't put money in in the first 20 days.
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

XX/XX/XXXX, XXXX I paid my move-out payment for XXXX XXXX in XXXX, California amounting to {$680.00}. 
XX/XX/XXXX, XXXX I received a second letter from IQ Data International , which is a debt collector company, regarding this debt. This time, the amount listed is at {$680.00}. 
XX/XX/XXXX, XXXX I called IQ Data International to dispute this debt. I provided them thru email with receipt from XXXX XXXX and a proof that the check has been cashed out from the bank. I was told that since I made a dispute, I do not need to make any step further and that my record will not be forwarded to any of the credit bureaus. 
XX/XX/XXXX, XXXX I was notified by my account that I received a derogatory record on my XXXX account filed by IQ Data International . The amount owed listed is at {$690.00}. 
XXXX XXXX, XXXX - I called IQ Data International, and I was told that I have to pay them the amount owed at {$690.00} since my debt is still open. I was told that if I want this to be cleared, I should settle that amount to them. I refused since I said I already paid that amount and provided proof for that. I was told that they did not hear anything from XXXX XXXX  clearing that debt that is why my account is still open and was forwarded to the credit bureau. 
XXXX XXXX, XXXX I submitted my XXXX dispute letter to IQ Data International and forwarded it also to the supervisor handling my case. I attached the XXXX record showing the derogatory record filed by them, a copy of the check submitted to XXXX, and a copy of receipt from XXXX XXXX XXXX 
XXXX XXXX, XXXX I called XXXXXXXX XXXX and spoke to the manager. I was told that my account has been settled and that they did not receive any form of communication from IQ Data International. I was told that they will email IQ Data International to clarify this matter. I asked to be included in the correspondence so I can have a paper trail of the conversation but the manager declined my request. 
XX/XX/XXXX, XXXX I called IQ Data International to confirm receipt of my dispute letter. I was declined to be provided with that information. I asked for an acknowledgement receipt for my email but the person I talked to declined my request as well. I asked if they have received any email from XXXX but he declined to provide that information. I was also asked again to pay for the amount for my name to be cleared, which I refuse to do.
Consumer complaint received 2021-09-27
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 (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its been pass that. I also called the department to find out what was the release date which they said it was XX/XX/2021. Its XX/XX/2021 and still no updates. I have called the customer service number and spoke with the supervisor and they just informed me ti just keep check on my email because the department that has that information they cant contact them. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-09-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (TX)

We started the Short Sale process on XX/XX/2021 and submitted all the necessary documents ( statements, pay stubs, W2s, Tax Income, etc. ) to First Bank of Puerto Rico. Then they requested more documents and we submitted them on XX/XX/2021. Then, First Bank of Puerto Rico send a letter requesting more documents, this time new documents that were not part of the initial packet. On every occasion we submitted the documents promptly. Again, on XX/XX/XXXX they requested more documents and were submitted the next day. We have been trying to constantly communicate with the Loss Mitigation Specialist but no success. Her info is : XXXX XXXX XXXX XXXX XXXX Loss Mitigation Specialist Mortgage Default Tel XXXX Ext. XXXX I called on XX/XX/XXXX and left a message with a person from First Bank that was going to reach out to XXXX XXXX but at this point we still haven't received an update. This process started more than 6 months ago and we still haven't heard a decision on our case. Thanks.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.