davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my Massachusetts ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.
Consumer complaint received 2020-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I went to the Wells Fargo Branch located on XXXX XXXX in XXXX XXXX, NJ to make a cash deposit toward my mortgage loan. I used the drive through window as the branch was closed to customers due to COVID. I typically pay my mortgage via bill pay, but failed to schedule the payment in time for the cutoff before late fees are issued. I gave the teller {$2200.00} in cash. I was at the branch between XXXX - XXXX. I did not keep my receipt as I thought the deposit was made and no further action was needed. A few days ago i received a call from Wells collection asking about when my mortgage payment would be made. I told the customer service representative that I made a cash deposit, but when i checked my account using online banking, the deposit was not applied to my account. I have no other accounts at Wells Fargo. I called the branch and explained the situation. The branch 's review found no record of my deposit in the teller logs for XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). The branch filed a ticket with " the resolution team. '' I also called corporate offices and reached the executive office where i filed another ticket as i requested that corporate security investigate the matter promptly and pull cameras for that 20 minute window to see what happened to the cash deposit. Waiting to hear back.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (MS)

Carmax did not honor this negotiable instrument. Payment was tendered for the complete amount in Accord and Satisfaction upon redeeming the instrument ( see attached ). Carmax accepted said payment in full and are still saying that I owe them. Carmax is in violation of 18 USC 1951 which states even if one makes a payment willingly, which I did because I felt forced and obligated to do so, against my will, payment was in fact made and they accepted that payment.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a released state tax lien from the state of Georgia on my credit reports at Transunion,  XXXX , and  XXXX . The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on  XX/XX/XXXX  ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  XXXX  redit Reporting Bureaus, who stated that they need documentation from the GA Dept of Revenue requesting that the released lien be removed from my report - they r eport that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the  GA Dept of Revenue who  advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.
Consumer complaint received 2020-08-05
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. (TX)

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Equifax. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Equifax consumer file. All information in pursuant to the FCRA section 609 should be mailed to 12101 XXXX XXXX XXXX  XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX. 
Account Name XXXX  XXXX. 
Account Name XXXX XXXX . 
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC (UT)

I was contacted by a company qc holdings claiming i owed a cash loan company for. XXXX loan XXXX they wouldnt send me a copy of bill or tell me what the loan companys name address or phone number they had all my info but all they wanted was for me to pay or they would sue me..they said contact trump for stimulus check and bung up they called from XXXX..refused to give me any info except amt and for me to pay with no information provided and they hung up
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (MI)

I was sent a PayPal.com/prepaid secure credit card. I attempted to activate card but it was denied as I previously had a Netspend card with legitimate unauthorized charges which I reported to Netspend but they have not reimbursed me,
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

A fraudulent charge was made on my XXXX XXXX XXXX debit card on XX/XX/17 from XXXX in the amount of {$420.00}. The claim was resolved and closed from XXXX XXXX XXXX in my favor on XX/XX/17. 
Claim # XXXX amount XXXX money was refunded. 
Over 3 years later I get a bill from a collection agency Transworld systems inc saying I owe XXXX XXXX for a charge made on XX/XX/17. I mailed in the claim number from XXXX XXXX XXXX. But Transworld wants a claim from XXXX, I have tried to contact XXXX but they have not contacted me back other than giving me a case # and we will research this in order of inquiries. Transworld should be fine with the letter from XXXX XXXX XXXX showing it was closed and resolved. Which I mailed to them a copy of and showing the charge on my statement from XXXX and showing it was refunded. I have also asked Transworld to mail me an original bill from XXXX and they have not provided me with it. 
XXXX invoice # XXXX Transworld regitration code XXXX I do have a case number from XXXX XXXX  XXXX Reference ID : ref : XXXX : ref
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

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  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

LexisNexis is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. LexisNexis is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX XXXX XXXX ) who are also directly using LexisNexis ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how LexisNexis is claiming they are AGAIN using a third party system ( XXXX  ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( XXXX  ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which LexisNexis also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX XXXX XXXX ) show that address on my report. Therefore, under the FCRA, LexisNexis is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. XXXX  is not. The Court is the original provider and they do not furnish this information.
Consumer complaint received 2019-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hi dear PayPal team! 

You have sent me an email that you are revewing again the case and transaction to decide for a refund as I didn't get the item paid for. Please get back to me and decide for a refund as I have lost {$360.00} from this transaction. 

Best regards, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : <XXXX> Date : Monday, XX/XX/XXXX Subject : Case Number : XXXX To : " XXXX '' <XXXX> Dear XXXX XXXX, We have concluded our review of the following case : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : - {$360.00} USD Your  Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We can see that your payment was completed almost two years ago, which is now outside our 180 days Buyer Protection timeframe ( on the XXXX of XX/XX/XXXX) We can see, as well, that you have closed the dispute most likely because it has been requested to do so or because you expected the item to arrive correctly. 

Then on the XXXX of XX/XX/XXXXyou reported the transaction as unauthorized, but once no unauthorized access was found on your account, we could confirm the payment was, indeed, completed by you. 

We do understand you still would like to receive your funds back, but so far we have no evidence that the item has or hasn't been shipped and delivered correct to you. 

Please keep in mind that this payment is now outside our Buyer Protection Policy,  but we would like to clarify as much as possible if the seller has or hasn't shipped the item to you. 

Feel free to provide us with any evidence you might have that helps confirming this item has never been sent to you ( such as email, message exchange, XXXX comments, anything that might help us clarifying your constant appeal ). 

Please email us at XXXX, but keep in mind this payment is not covered by our Buyer Protection Policy anymore. 


Yours sincerely, XXXX XXXX PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Help : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please do not reply to this email because we are not monitoring this inbox. To get in touch with us, log in to your account and click " Contact Us '' at the bottom of any page. 

Copyright XX/XX/XXXXXX/XX/XXXXPayPal Inc. All rights reserved. 

Consumer advisory : PayPal Pte Ltd, the Holder of the PayPal payment service stored value facility, does not require the approval of the Monetary Authority of XXXX. Consumers ( users ) are advised to read the terms and conditions : XX/XX/XXXX carefully.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/2020, Ally Bank offered to defer payments due to COVID-19 but in order to process this request I needed to pay the {$90.00} late fee. I paid the fee and was approved for the deferment. Despite my payments being deferred I still continued to pay something and when I logged in to schedule a payment, I noticed the {$90.00} late fee was reapplied on XX/XX/XXXX. I called and spoke to a representative. The first representative gave me wrong information so I spoke to someone else who informed me that the payment was applied as a regular principal payment instead of being applied to the late fee. When I explained that the late fee disappeared when I paid in XXXX, he agreed that he saw that and would have it corrected and to wait 4 to 5 business days. I checked my account after that time and the outstanding late fee was gone again. On XX/XX/XXXX I logged in to confirm my payment was processed on XX/XX/XXXX and I noticed that Ally once again added the late fee back to my account. I called on XX/XX/XXXX and spoke to a representative and she agreed that she saw that I paid the late fee in XXXX and that the system again applied it to the principal instead of the late fee. I explained that when I called on XX/XX/XXXX I was told the same thing and that it was taken care of. This time the representative said to wait 2 to 3 business days and I would that the issue was resolved. I logged into my account 4 days and it still reflects the late fee. So on XX/XX/XXXX, I tried to access my account via the mobile and website but it was down. I called the customer service line to listen to the outstanding balance and the late fee was not removed. On XX/XX/XXXX, when I called in XXXX for the representatives to mail or Email me confirmation of this resolution and I was told they can't do that. On XX/XX/XXXX, I called back and finally spoke to a representative, who assured me that she would take of this and she would also send me a payment history showing the late fee was paid and she would have a manager call back. But to date no one has called me and the late fee is still on my account. I checked again on XX/XX/XXXX and fee is still remaining and no call back. I called multiple times on XX/XX/XXXX and spoke to managers who said they were escalating the case, they placed me on hold and never came back to the line.
Consumer complaint received 2020-09-10
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: I.C. System, Inc. (FL)

Disputed debt with collection agency that I did not have an account with their client. Report indicates an account opened in XX/XX/2020. I have no such account in my name. They responded that their investigation, which unsure what they mean, is accurate. I have been living with my daughter for more than 2 years and she has cable contract in her name and its not this company
Consumer complaint received 2020-08-26
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: Nelnet, Inc. (MN)

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 Data breaches. I decided to look at my credit reports from the 3 major credit bureaus 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
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)

In XX/XX/2020 i sent equifax a letter to remove a fraudulent account they have the account reinvesgating for 4 months its now XX/XX/2020 havent heard anything so i tried to call them today too see whats going on NOBODY ANSWERED when i asked to speak to an agent it sent me straight to the survey to rate the agents conversation but i spoke too no one! This is really fustrating that i have to wait 4+ months which is a BIG violation  according to the FCRA.
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Beginning XX/XX/XXXX I have sent numerous of letters and documentation to prove fraud with the reporting company. I have contacted the companies who the alleged fraud first occurred with and all could not provide any information where any credit applications where applied for.
Consumer complaint received 2020-08-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
Consumer complaint received 2021-03-08
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. (FL)

I have sent countless letters to equifax about multiple inaccuracies on my credit report. Equifax is continuing to report this account with XXXX. The original creditor who was XXXX  XXXX removed this account. However, XXXX is still reporting this. Ive attached a copy of my consumer report which indicates this debt was satisfied and deleted!!! Yet XXXX is still reporting this please help.
Consumer complaint received 2020-09-10
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.