davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.S 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. My information was impacted by the Equifax data breach as well so therefore got into the hands of a criminal.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (FL)

on XX/XX/XXXX i filed an ftc report with inquirys that were unauthorized due to identity theft. EQUIFAX has not complied and removed the following inquirys from my credit report 1. XXXX - Card Service Inquiry from XX/XX/XXXX 2.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 3.XXXX Financial Inquiry from XXXX XXXX, XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.
Consumer complaint received 2020-10-06
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX  XXXX   XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NC)

Fraud charge appeared on my PayPal account through my XXXX XXXX XXXXXXXX card that was connected. The fraud charge is for a recurring charge of {$110.00} to vendor XXXX. I attempted to dispute the transaction but PayPal said that no fraudulent behavior was found and that the spending aligns with the rest of my account. The only true activity on my PayPal is receiving money after buying a friend dinner in XX/XX/2023. 
The dispute number is XXXX XXXX
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, XXXX  LOANS & GRANTS from them. and i didnt had business account as XXXX XXXX XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX XXXX IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money. 
i have attached documents related to my self employment and sba documents alongwith unemployment department. 

MY SBA APPLICATIONNUMBER : XXXX
Consumer complaint received 2021-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I submitted a public service loan forgiveness employment certification form to FedLoan on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. I received notification that the process of confirming the eligibility of my employment would take approximately 30-90 days. I web-chatted with FedLoan a few weeks after submitting my form and was told that it had to be reviewed by " FSA. '' I contacted FedLoan via email on XX/XX/XXXX and was told that no updates could be provided concerning the review. I submitted another employment certification form on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. Shortly thereafter, FedLoan updated my qualifying payment count to show months of XX/XX/XXXX and XX/XX/XXXX as counting, but payment months of XX/XX/XXXX through XX/XX/XXXX continue to show as " employment not certified. '' I contact FedLoan via email on XX/XX/XXXX to inquire about this and was provided no information or explanation. Thereafter, I wrote to the Department of Education 's FSA Office for assistance and they forwarded my inquiry to FedLoan. When I have spoken with FedLoan about the issue, they have pointed to the FSA Office and advised that no updates or timeframe for a resolution can be provided. As of now, it has been more than 90 days and this issue remains unresolved.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper mistakenly issued multiple withdrawals to my account, causing my account to have negative funds, endangering my other payments, and jeopardizing my credit history. They corrected the issue and advised me to continue monitoring my account for any additional errors from them. It is unfair for me to allocate time and resources to verify their mistakes were corrected or to make sure no more have appeared. I am not confident this will not happen again. They lack transparency and are just incredibly incompetent.
Consumer complaint received 2021-04-28
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. (AZ)

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Consumer complaint received 2021-04-28
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

So Ive been trying to grow my credit score and As of about 1 month ago JEFFERSON CAPITAL SYSTEMS started reporting negative remarks. I had no idea who or what this was. Turns out someone opened up an account with XXXX XXXX  on XX/XX/2021. They say I owe {$750.00}. This wasnt me. Ive had XXXX phone lines open with XXXX XXXX for almost 2 years. My phones are almost paid off. I dont miss my payments. Why would I go to a company like XXXX XXXX  anyway. Trash service. I called JCS and the guy clearly was foreign and I couldnt understand his name but he asked for my social security number over the phone. I told him I wouldnt do that and he insisted this. I NEVER opened this account! Ive disputed this twice with my credit account and they just updated my info. This is absurd. All I have to do is prove my location compared to where this was purchased or where was the money coming from? I know it didnt come from my account for sure. I need this removed from my credit account ASAP. Stop all debt collection!
Consumer complaint received 2021-04-28
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. (WA)

On XX/XX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (VA)

On XX/XX/XXXX I Received a debt collection notice from the company, National Recovery Agency. I requested copies of the account transactions showing I owed said debt on XX/XX/XXXX. In late XXXX, I received the photocopies of the account with a letter dated XX/XX/XXXX, which PRE-DATES my request for information. After careful review of the account transactions it is clearly shown that the account balance is listed as XXXX  " {$0.00} '' and the debt that is to be collected on was listed previously as a " Charge off ''. On XX/XX/XXXX, I provided this information to the National Recovery Agency, along with a spreadsheet showing the transactions and the charge-off, in addition to identifying the same on the transaction listing they provided as evidence of debt and asked them to remove my collection notice and ensure that it does not appear on my credit report or have any negative remarks for an invalid debt. 
I am now in receipt of another request from National Recovery Agency dated XX/XX/XXXX along with new photocopies of the account transactions that still show the amount that is attempted to be collected on as a " Charge-Off '' as well as showing a {$0.00} balance. The name of the account representative is XXXX XXXX. National Recovery Agency information : XXXXXXXX XXXX XXXX, XXXX, PA XXXX ; Phone XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific quesons asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

While my student loans were discharged through the PSLF program, my payment count was not correct and has not been corrected in the last year that I've been asking for help. I had an additional 22+ payments ( roughly $ XXXX {$14000.00} worth ) that were never applied. I have made dozens of calls to MOHELA and the Dept. of Ed. to try to get help and resolve the issue. I have filed complaints, reconsideration forms, talked to dozens of customer service reps, and have seen no resolution. 
XXXX was my original servicer. Apparently I reached XXXX qualifying payments in XX/XX/2021, during the time XXXX was my servicer, and prior to being transferred to MOHELA. I'm not sure if that is where the problem lays, but these three agencies don't seem to be able to work together to resolve this issue!
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-04-28
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: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I contacted XXXX XXXX regarding a dispute I submitted to XXXX related to late payments on my credit report. As well I inquired about my credit reduction in XXXX. The XXXX XXXX representative could not find any logical reason why my credit was reduced in XXXX from {$1200.00} to {$400.00}. I was told that XXXX XXXX no longer had a file of my payment history. I was informed that the payment history was provided to XXXX When I submitted the dispute with XXXX I am informed that they would need to contact the creditor. At this point, I feel as a consumer I am being mislead about who maintain my payment history. 

In XXXX The Home Depot adversely effected my credit. My credit score decease to XXXX from XXXX. It has been a long road to build my credit back to credit worthiness. Three of my credit cards were closed and two reduced because THD, in my opinion, reported I was severely negligence on my payment of {$120.00}. As I reported in dispute in XXXX my line of credit with The Home Depot was {$3000.00} ; however, I paid my balance of {$120.00} after my credit line reduce to {$500.00}. Then I instructed them to close the account because I did not see myself as a valued customer. Then, I received closure letter from other accounts that I was in very good standing and the account had no outstanding balances. 

To this day, I still believe The Home Depot reported my credit worthiness as poor. Again, none of the creditors were able to logically inform me why they reduced or closed my accounts. As a struggling working American I only have my name and integrity to repay in good faith my credit. I feel as if I am " getting the round around. ''
Consumer complaint received 2021-03-28
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-13
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. (NV)

These are not my accounts. I had placed a fraud alert on my profile as I believe someone is using my information. 103 Claims true identity fraud/account fraudulently opened. 040 Account involved in litigation. Please remove these accounts from my credit profile. Thank you.
Consumer complaint received 2021-01-13
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.