davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.
Consumer complaint received 2022-09-12
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. (FL)

XX/XX/XXXX, I filled a dispute with XXXX credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXXXXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX XXXX shows a 30 day late from XX/XX/XXXX, at which time I was in a COVID payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX XXXX  account and my XXXXXXXX XXXX XXXX  account are all also in modified payments due to COVID. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to XXXX during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX. XXXX XXXX XXXX of $ XXXX is reporting open, it is CLOSED and XXXX XXXX  was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of XXXX and they fail to report properly. 

I am asking you to please hold XXXX liable for their actions.
Consumer complaint received 2022-09-12
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: Onity Group Inc. (NY)

I am trying to obtain a loan and my former mortgage company, Ocwen, has late 8 payments on my credit report that is hindering me from obtaining a mortgage loan. I made all successful payments and during the time that I made the late payments I was suffering financial hardship. Please help me get rid of the late payments from my credit report.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

I was scammed notive the bank on XXXX XXXX on said situation was told i have to file a police report we contacted the bank on XX/XX/XXXX to be told yes we had to file a police report and to come up to the bank close out the account and reopen another account and that the bank would start a investigation, and that I wouldnt be responsible for paying back the dispute because I was scammed. On XX/XX/XXXX I called the bank to find out how the investigation was going to find out nothing had been investigated. So on XX/XX/XXXX we went up to the local bank to have them start a investigation because my whole work check was used to pay back the bank. I have called the fraud department to be told the account has been put on hold nothing can come in and nothing can go out. To find out that another one of my work check was confiscated to pay back the bank. I dont have issues paying the money back and was told I could make payment arrangements but for a month now they have taking my money. I have had no money for a month I have lost my home because I couldnt pay the rent, I am staying with my mom who is on a fixed income. I went to the bank today to find out that they finished the investigation and that the bank was closing my account and mailing a check to me. I did report right away but all they have done is give me the run around and kept my money. All they said is you have a lot of XXXX XXXX  transactions
Consumer complaint received 2022-10-25
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (SC)

Credit Karma e-mailed me on 3 separate occasions telling me that my approvals odds were excellent for getting a personal loan and a new credit card. I applied to 3 different places for a personal loan that they recommended and said I had outstanding approval odds and got denied by all 3. I also applied to a credit card that they said I had outstanding approval odds for and again got denied. This has affected my credit score to drop because of them lying to me.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XX/XX/2022 XXXX - XXXX ( XXXX XXXX  ) Venture XXXX Capital One Card, down grade to avoid the annual membership fee I called today to avert the annual fee of {$95.00} the original customer service transfer me to retention department. The retention customer service name was XXXX XXXX Emp. ID XXXX - provide by her superior ). 

XXXX told me I could down grade - although they call it upgrade. To a card earns 1.25 miles per every dollar instead of earning 2 miles per every dollar now. This could avoid the annual fee. After simple disclosure she stated I will receive my card in the mails. As we are near end I told her what about the {$95.00} dollar just posted which prompted my phone call. She then tells me she can't waive that fee. I told her why would I pay the fee then down grade myself? The whole purpose of the my phone call was to avoid this fee. If your intent to still charge the fee it defeat the purpose of the down grade. Then she tells me there is no way for her to waive the fee nor she could reverse the action of the down grade. 
She mentioned, all the details of the new card will be mailed yet she stated she satisfied her obligation explaning the details. It seems she didn't care if I closed the account and she was supposed to be in retention department. 

I requested to talk to her supervisor then she transfer me to XXXX-Emp ID XXXX from XXXX, Virginia. 
When I tried to explained the situation. The supervisor was indifferent and stated the same thing saying I am stuck with {$95.00} annual membership but still stuck with the down grade. She stated there is nothing she could do and seems eager to assist me to cancel my card. When I raised the issue about my existing point she tried to explain deeply discounted rate where I would be disadvantaged if I were to cash in unused XXXX points. It would worth over {$550.00} but wanting to give half of that amount in credt. 

I think I was being prejudiced because I had strong accent. I clearly, I explained why I wanted to down grade to avoid fee. And solution was down grade to no fee card. The supervisor indicated that's what other customer service did for me. 
But I told her whole purpose was to waive or get rid of this renewal fee that was charged. 

I would like to complaint there was inadequatly explanation of terms and condition of down grade. And misled waiving the fee for down grade. Once this was done blaming Capital One system not able to reverse the action nor making simple remedy to waive or credit the fee. It seems customer service are blaming the customer for inadequate understanding and same time blaming their system that they can't do nothing for the customer.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof
Consumer complaint received 2022-10-25
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; XXXX XXXX
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (OH)

True Accord reached out to me on XX/XX/22 for a XXXX from XXXX for {$400.00} I have records of ending my contract with them and returning the equipment with a {$0.00} balance. 

I wrote to True Accord informing them of this. They stated they would do a debt verification and never got back with me. I received a notification they reported this debt to the credit bureaus. 

Currently they are trying to collect a debt not owed and have not proved I owed this debt.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

Disputing a Charge for Bad Service at CareCredit SYNCHRONY BANK. Charge of {$740.00} on the date of XX/XX/XXXX plus fees getting in a total of {$1200.00} on XX/XX/XXXX. 
I called many times. I disputed the charge and the service many times. 
I already complained at creditcare many times about what happened. But all I had to deal with were some inappropriate questions, for example, if I tried to return the service? What? That is even a question for who got a service and not a product? Who returns services? I had to ask many times if the attendant remembered we were talking about a dentist service and not about a product. 
The questions kept on this level, like, did you use the service? 
I had to use a lot of my patience with these questions. 
The person was completely ignoring how I was treated at the dentist, how I didn't like what happened, and how the office was anti ethic and unprofessional. 
I went to this dentist for a {$39.00} service ( now day {$59.00} ). 
These back and forth calls wasted so much time of my life. 
Today I did my last call. I was on call for 45 minutes and I still didn't get any solution. All they did was trying to make me uncomfortable, keeping me in long holds, and embaracing me calling me delinquent. I am so tired and frustrated.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX Someone pretended to be an event coordinator on XXXX and asked me to pay them the fees for a booth that I signed up for. I then paid them {$40.00} with {$2.00} fee on PayPal to their email that they listed. I didn't know at the time they were not the correct person. 
two days later, I got a message from the correct coordinator and she told me this other person was a fraud. 
XX/XX/XXXX I disputed the transaction on PayPal, it closed in the sellers favor. I tried contacting the fake " coordinator '' they are no longer communicating with me. 
I know it's only {$40.00} but this means this person is getting away with lots of other scams just like this.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX BANK OF AMERICA XXXX Open Date XX/XX/2019 Balance : {$260.00}
Consumer complaint received 2022-09-12
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. (GA)

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed