davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
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. (MA)

On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is "  open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

This company has knowingly and inaccurately reported information to the 3 CRA 's. I have asked that they provide documentation proving that this debt belongs to me to which they provided documentation claiming that XXXX  is the original owner of this account along with lease agreements with my name on it. However, the information provided by SourceRM is very much conflicting with the information received from XXXX. Upon speaking with a XXXX Representative, IN STORE, I was provided with documentation that DOES NOT match the information provided by SourceRM. SourceRM claims that the account was opened in Colorado with the purchase of a black XXXX on XX/XX/XXXX and a rose gold XXXX XX/XX/XXXX. One with a typed signature the other with a hand written signature. Yet, the store Representative at XXXX provided a completely different lease agreement with my name on it for an account due to the purchase of a RED XXXX kit 128 gigabytes purchased on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX Florida also, with a typed signature which coincidentally was also not purchased by me. I provided this documentation to SourceRM as well as XXXX in effort to have them do a thorough investigation of said accounts, and have also filled out the XXXX identity theft affidavit along with a police report and have mailed it back of to XXXX to no avail. I have also attached the print out that I received from XXXX as further proof, that these accounts are fraudulent and that neither of them were thoroughly investigated by either XXXX   nor SourceRM before knowing and illegally reporting false information to my consumer credit reports. Additionally, because of this conflicting and unverifiable information, I ask that this trade line be removed from all three credit reporting agencies or I will be immediately filing a complaint with the Federal Trade Commission and the Texas Attorney Generals office. 
I would prefer not to have to use the courts to resolve this matter. 
Respectfully, XXXX XXXX
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2018 I attempted to send money via XXXX to a friend in the amount of {$50.00}. The friend necer received the funds so I XXXX searched XXXX customer service number and contacted them for assistance. I spoke to who I was led to believe was a customer service rep for XXXX. Who stated that they needed to send test transactions to link my account. I was told that these transactions would only be test transactions and no money would be deducted from my account but instead {$640.00} was deducted. I immediately asked to speak to a supervisor but was disconnected and unsuccessful with reaching anyone since. The next day I filed a complaint with Navy Federal who investigated and gave me a provisional credit but have reversed the credit after they were unsuccessful with getting anything resolved with XXXX XXXX. Since then I've made 3-4 email attempts to speak with someone about this issue with no response I've also requested the rest of my money that is left in my XXXX account but the only response that I received was that my account was closed due to the dispute I made withy bank. I have filed a police report and have not been able to get any help from Navy Federal or XXXX with this issue
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.
Consumer complaint received 2021-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My home mortgage was transferred to XXXX XXXXLoanCare LLC from XXXX when XXXX filed for bankruptcy. I have lived in my home for almost 20 years and have had a late payment from time-to-time, but no major issues. 

The transfer process was confusing. I wasn't sure where to send my payments or even what I account number was. 

Once I found the information, I sent a payment on XXXX XXXX for {$610.00} via bill pay with my bank. The payment was returned on XXXX XXXX. I did not immediately notice that the payment was returned. I made another payment on XXXX XXXX for {$610.00} via bill pay with my bank. That payment was returned on XXXX XXXX. Again, I did not immediately notice the return in my account. 

I never received a phone call or email message from LoanCare. The first letter I received was mid-XXXX  when I was notified that I had missed 3 payments. 

Once I realized what had happened, I called LoanCare ( XXXX XXXX, I believe ) and paid over the phone. They only allowed me to make 2 payments ( I'm not sure why ). At that time, I found out my account number had changed. I suspect that is why my XXXX and XXXX payments have been returned. This payment cleared my bank account on XXXX XXXX. 

I tried to pay on LoanCare 's website to avoid all of this, but because my account is past due, I am unable to pay online. It seems like they are making it as hard as possible for me to make a payment. 

I updated the information with my online bill pay and paid XXXX, XXXX, and XXXX 's payments via online bill pay again : {$2000.00} on XXXX XXXX. LoanCare has not credited this payment to my account. I am working with my bank to obtain proof of payment ( which I should have early next week ). 

At this point, I can not pay over the phone because the {$2000.00} that I sent on XXXX XXXX is no longer in my account and I don't have the funds to make a payment today. 

The problem is that LoanCare has my status as 3 payments past due and they could begin foreclosure at any time. They said there's nothing more I can do until I submit proof of payment ( which I should have early next week ). When I asked the Collections Department if there was anything more I could do there was a long silence and then she asked, " Is there anything else I can help you with? '' I asked my question again she did the same thing. It felt very rude, and almost like she wasn't listening to me. 

You don't have to search the Internet very hard to find multiple complaints about LoanCare. My experiences so far ( from the start of my mortgage transfer until today ) match the other comments I'm seeing online.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (GA)

I attempted to do a mobile deposit into my XXXX account and the check cashing company Ingo Money sent me an email stating that the check was accepted and was pending deposit and then advised me to write void on the check and resubmit the voided check image. I did as they requested and then they denied the deposit and I can not get any other financial institution to honor the check because it has been voided out. I have been corresponding with Ingo Money for the past month trying to get this resolved and every time I am advised to resubmit the check deposit and they will cash the check but they have not. This check is for {$790.00} and has caused me to fall behind on my rent and utilities.
Consumer complaint received 2021-07-03
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. (AZ)

My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-27
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. (OH)

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX ARS Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

XXXX XXXX2014 fair collections and out XXXX XXXX @ XXXX XXXX XXXX {$6500.00} I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say if my parents defaulted I would take responsibility for the money they owe. I had no job making it real hard for me to pay the $ XXXX monthly rent. Crooks I never spoke to anyone here at the property that I would gladly pay the rent. This is beyond upsetting I wish I was told the woman who rented the place to my parents never met me bet she has no clue who I am yet Im responsible.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

I recently sent a request to all three Bureaus - XXXX, XXXX and XXXX reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/FORTIVA Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

unauthorized inquiries on Equifax from the following companies : XXXX XXXX On XX/XX/XXXX XXXX  plus on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I've spoken to the companies and to the credit bureau multiple times to no avail. Please the inquiries are unauthorized and do NOT belong and should be deleted immediately. They have repeatedly violated my rights.
Consumer complaint received 2021-07-03
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: I.C. System, Inc. (FL)

This company IC system is illegally re-aging my debt which is in violation of the fair credit reporting act. This acct was was settled in XXXX  and IC had it then. They never removed from my reports and Ive disputed this several times with no resolution they just keep re-aging it. I have attached my payment letter from the original creditors which they are ignoring
Consumer complaint received 2021-07-01
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)

These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
Thank you!
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (FL)

Credit Karma claims they can not " see '' my driver 's license. I have sent my driver 's license to them multiple times, for years. Still, they can not " see '' it. They claim the personal identity documents that I submit to them are unreadable, and therefore, they can not begin the process of verifying my identity. Credit Karma claims they can not verify my identity. No matter how many museum-quality documents I submit, Credit Karma claims that these personal identity documents are unreadable, so that they can not verify my identity with my driver 's license, passport landing page, social security card, monthly bank statements, voter registration, monthly mobile phone statements, car registration card, car insurance card, and more. I am born-in-the-USA, fluent in XXXX, and have a XXXX degree. With my overflowing XXXX skills and XXXX  skills, Credit Karma is still unable to process my request for a free credit report, claiming they can not verify my identity.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

i've sent several notices even sent certified letters the company refused to send me proof they have in their records showing how debt being reported that's not mine were certified verified buy lenders/source
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (IL)

In XXXX of this year, after unsuccessfully trying to contact the vendor, I called Chase to dispute charges for automobile service that turned out to be fraudulent. I was told that I would receive a request for information. When after more than a week, I had not received the request, I called again, and was told a request had been mailed earlier ( I had not received it ) but not to worry, another request was on its way. In response to that second letter, i sent documentation to Chase by uploading on its website. Chase then closed the dispute saying it hadn't received additional information. I called again and was told that the notwithstanding instructions in its letter, I had to mail or fax the information, not upload. So, Chase told me it reopened the dispute and I faxed some information in. Chase then denied the claim, saying in a letter that a significant amoiunt of time had passed, even though the reason so much time had passed was because Chase had mislead me about its process and how to submit information. So I called again, and was told that the denial of the dispute was because of information the vendor had sent in, not the passage of time. I responded that I had not been given an opportunity to respond, and asked for the information, and Chase then sent it to me. I then called Chase again to ask for an opportunity to dipsute the information provided, and i spoke to a supervisor who then told me that in her iew Chase had mishandled and mischaracterized the dispute and that she would send the claim for review with her recommendation that Chase credit the disputed amount to me because of the mishandling. She also said I should wait for about 15 business days to see what happens. I received no further information, so I called today and was told the review was denied almost a month ago, and Chase had no obligation to notify me about this. The dispute inovlves a vendor who misrepresented the type of parts to be used and then installed the parts incorrectly. This all is explained in the correspondence that is attached with all the dates etc. Chase has not processed this matter or dealt with me in good faitih but has deliberately tried to discourage me from exercising my legal and contract rights. The vendor 's response to Chase contains a number of falsehoods, but Chase has not provided me with an opportunity to respond. Chase claims that some time periods may have expired, but that was not what I was told in my first call in XXXX. And, Chase has waived any right to make those cliams by accepting and processing the dispute. Chase has an obligation to do so in good faith, which it has not done. Please see all the attached documents.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

I've tried opening a case using another email address that I've opened an account with. I received a response that PayPal would not reinstate my account because I have another closed account where I went against terms of service and engaged in risky behaviors. This complaint is regarding my original PayPal account, XXXX. 

Like I said earlier, I only buy and sell sports cards on this account and do not engage in any risky behavior. I would appreciate if PayPal was clearer about what risky behavior I engage in, as I have only legal transactions where goods or services were being transacted. 

Furthermore, when on call with a PayPal employee, I was accused in engaging in activity such as selling drugs, alcohol, illegal paraphernalia. This is defamation, and I can not believe that PayPal would allow their employees to accuse clients of this without any basis whatsoever.