davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have been dealing with this for 4 months now and no reply from anyone. Contacted the creditor and no reply after 60 days and the same for the credit bureaus. 
the following accounts are reporting inaccuate 1. XXXX XXXX 2. XXXX   3.XXXX They are charged off accounts and they are reporting a balance and that is against the FCRA laws
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX. I cant say this more emphatically, I have never had a XXXX  account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-09-17
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. (CA)

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There are 3 accounts on my credit that are reporting inaccurately. 
1. XXXX  XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3. XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

There are 3 accounts on my credit that are reporting inaccurately.

1. XXXXXXXX XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3.  XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (FL)

I contacted Experian.com several weeks ago. I pay {$24.00} for a service with them. I notated when bring up my account online that my synchrony bank XXXX XXXX was missing all of its information including the history, the credit limit and balance. 

After 7 hours on the phone and being sent back and forth, they are claiming they see the information at their end, however the paper report that they sent me shows the same as I see on my account. 

They are totally rude, and do nothing other than keep blaming other departments. I need the account that I have online for this specific account to show the correct information. 

The tools available to me showing my score and usage is completely wrong due to this situation. 

Any help would be appreciated.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-07
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. (AZ)

ftc violations remove all the attachment ftc violations The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OR)

Hello- On XX/XX/2020 I took my dog in to XXXX XXXX XXXX XXXX XXXX XXXX. When I went to pay, I sent a {$400.00} payment to them over Care Credits site. I had to do this as I could not give them a card due to covid and the desk person did not want to initiate payment on their end to ensure accuracy. On the site, they were listed twice but all the information was correct, so I chose one of the options thinking there was no difference. After about XXXX minutes, the desk person called me and said they hadnt received my payment. I told them I made the payment and emailed a screen shot. They said the payment went to their OLD account before they merged with another vet clinic and that I needed to pay them another {$400.00}! I called care credit immediately and tried to get them to drop the charge. They said that as long as the payment is not claimed by the clinic, it would drop off. It never did! 
On XX/XX/XXXX, I called the vet clinic as care credit had not credited the money back despite several calls about the issue. I waited a week for them to call me back. On XX/XX/XXXX, I worked with a staff member named XXXX. She worked with a supervisor and the corporate office to contact care credit and inform them that the {$400.00} charge was a duplicate and needed to be dropped. The corporate office kept records of the old account number and called and specifically named the account. On XX/XX/XXXX, I got a call from the Vet office saying that care credit emailed them back saying they are looking into the charge and will be crediting it back. 
It is now XX/XX/XXXX. 60 days later and they have either resolved or credited back the charges. There has been no provisional credit given within 10 days. 
I feel they are waiting until the full 120 days and will deny my claim and keep the money for themselves!
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been making payments to Sun Trust Bank for two years I have been paying extra money towards the principal last year I called to check payoff. Amount of payoff was not correct manager looked into the problem said extra money was going to next months payment they fixed the problem.On XXXX XXXX I checked on extra payments again the same problem was back again I called sun trust but could not get any results to my concerns.My payments going to principal are not being applied correctly sun trust is merging with another bank if this problem is not corrected now it will be bigger problem for me to get corrected when they merge. Someone needs to look into this matter and make them fix there mess I am being charged interest on money that I am paying towards the principal extra money it not being applied to the pay off at the end of the loan. Thanks for any help you can give. XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (TX)

I made a payment on the actual XXXX day, they still reporting the payment as 30 days late when the payment is made on the actual day, it is not 30 days past due until XXXX XXXX  on the XXXX day.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

The problem is with PayPal. 

They have seized my son 's money that remains on a balance equal to {$480.00}. They indicated that he is a minor, which he was up until 3 weeks ago.

Please note, during the account opening process, Paypal in no way sought to verify my son 's age. They were more than happy to open an account. On an ex-post basis, they used this to seize these funds. He has since turned XXXX and has sent his drivers license, which they refused to accept. 

They indicated they would release the funds within 180 days. 193 days have passed and they still refuse to release his money. 

They refuse to provide any documentation supporting their position, but still refuse to release his money. 

Paypal is a recidivist because it is economically profitable for them to be so. They don't care about complaints and simply hold funds hoping people just give up, and yes, at some point they do need to escheat the money, but not after they have earned interest on or have otherwise used these customer balances to lower their banking fees at XXXX. 

They maintain limited call center support and push all this back office work to offshore labor so the costs are irrelevant. I would guess 9 out of 10 parents just give up. 

Here is an idea. For every monetary complaint, so {$480.00} in this case, there are treble damages. My son gets his money back and Paypal pays the CFPB, {$1400.00}. 


They are just a bunch of miserable XXXX liars.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax Dispute Department, I am writing to formally dispute four negative accounts currently listed on my Equifax credit report. These accounts are not mine and are the result of identity theft stemming from the well-documented Equifax data breach.

The data breach compromised my personal information, making me a victim of identity theft. As a result, four negative accounts have appeared on my credit report without my knowledge or authorization. These accounts are as follows : XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX - {$930.00} XXXX XXXX XXXX  - {$4300.00} Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure that the information it reports is accurate and verifiable. According to FCRA Section 611, I am requesting a thorough investigation into these accounts. Should the investigation find these accounts to be fraudulent, I demand their immediate removal from my credit report, along with any associated inquiries.

I expect a swift and thorough resolution of this dispute in compliance with all applicable laws. I request a written response detailing the results of your investigation, the actions taken, and confirmation of the removal of these fraudulent accounts.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my XXXX and Equifax reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TN)

Online Collections is Tarnishing my credit report with a fraudulent account that is not owed! I have know knowledge of this fraudulent account, and they are violating the FAIR DEBT COLLECTIONS PRACTICES ACT for reporting on an account that is due to fraud!
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

Dear officer This is XXXX XXXX, my UA account number is XXXX I had transfered XXXX points from chase credit card to UA account Chase logo Order Date : XX/XX/20. Order Number :  XXXXbut I did not received the milesI had called chase credit card service office at least 4 times and call UA XXXX service for 3 times. However, these does not work. I did not receive any points and miles. thanks XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

First off, I'm a partially incapacitated severely autistic adult. A company called XXXX XXXX keeps calling my telephone incessantly. They violated Texas Penal Code 42.07 ( a ) ( 4 ) on XX/XX/2020 by calling me ( from XXXX ) three times in a row in immediate succession. I file a report with the XXXX Police Department and they contacted the company to instruct them to never call this number again, both as a remedy for the criminal harassment and also as a reasonable accommodation request under American 's with Disabilities Act and Texas Human Resources Code 121.003. 

They did not honor this request. Today, XX/XX/2020, they called me again, three times in rapid succession, only this time it was a different telephone number that was offset by XXXX, XXXX. I have asked the XXXX Police Department to criminally charge them for harassment as well as a criminal violation of Texas Human Resources Code 121.004 ( a ). Also after reviewing my call logs, they called me  twice on XX/XX/2020, from XXXX. 

I don't know what their deal is, they incessantly harass me via the telephone, there are many other occasions where they call me only twice in a row. Their communication tactic are abusive, especially for an autistic. 

Furthermore, they are attempting to collect a debt that I do not owe. Additionally, they have not provided written notification about this alleged debt. I checked my credit report the other day and they are defaming me with false statements on my credit report. I have been rejected from stuff due in part to derogatory marks on my credit report. 

Furthermore, my credit report shows they are tacking on penalties, this too is unlawful. I dispute the debt entirely and demand they provide a debt verification letter.
Consumer complaint received 2018-04-10
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 (MA)

To whom it may concern, I mailed a certified letter to Lexis Nexis 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Lexis Nexis responded that they received all three letters, but Lexis Nexis continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc. a sample letter is attached. Lexis Nexis continues to put this matter in dispute why?? Lexis Nexis then sent me a credit report stating verified, that's not what Im asking for Im asking for. Proof of validation is, and Lexis Nexis continues to not validate or show proof. Lexis Nexis has no proof and I want this deleted off my account. This is my final step before filing suit in Small Claims Court.

Regards, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

The account from XXXX XXXX XXXX card. This account was charged off by XXXX XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. 
I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX XXXX bank. 
If they cant provide validation I remedy this be taken off my credit report immediately all XXXX bureaus. This has negatively impacted my life. 
15usc 1681eb Debt of validation letter XXXX XXXX