davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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: Exeter Finance, LLC. (GA)

I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information
Consumer complaint received 2021-04-03
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)

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-05
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 — 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 2021-04-04
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)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax did not remove the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

In 2020 I wanted to clean up my credit file and started to do so. I ordered XXXX credit monitoring and XXXX and got most everything cleared up. I decided to get EQUIFAX and XXXX credit monitoring as well so I could freeze all three because there were some fraudulent things I couldn't remove until I stopped the activity. I had no problems with the other major credit monitoring/reporting agencies when I went back to the free accounts and have told MANY people how to clear up their own credit that way but Equifax LOWERS YOUR XXXX when you go back to free. When I went to free my score went from XXXX to XXXX overnight. I got the credit monitoring again this month to dispute something ( It goes quicker if you pay for it. It takes months and months for a dispute if you don't pay for the monitoring ) and Equifax overcharged me for the monitoring and I made them pay it back yesterday and this morning my credit score is 63 points lower. I didn't do anything else since yesterday. They are abusing the power they over people. I think it should be given to another company that has better morals. Fining them doesn't seem to be working. I have screenshots of this bad behavior.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.
Consumer complaint received 2021-04-03
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

The involved company is Gemini and the issue is that my account is pending verification after 5 Months into submission of my personal identifiable information. I have emailed Gemini four times consecutively, explaining my issue but have not heard anything back. I invested funds into into the Gemini platform and have been denied to withdraw those funds due to my " Pending Verification '', and it tells me to " Please check again later ''. I can not access my funds or get Gemini to release them to me, Thank you very much!
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

I received a mail from Convergent Outsourcing dated XX/XX/2021. Stating that I owe XXXX XXXX {$650.00}. But if I agree with the settlement amount of {$320.00}, XXXX XXXX XXXX will recall my account and cease all collection activity. The letter said that if I agree, I have to call their office at XXXX. It was also stated in the letter that the letter is not an offer to accept 50 % of my debt as payment in full, but an offer for XXXX XXXX XXXX to remove my account from further collection efforts and they are not obligated to renew this offer.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc. (FL)

XXXX XXXX presented me with an offer that if I reinstated my membership, any balance owed would be removed from my credit report. I have had a current membership with them and this has still not been removed from my credit report.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, I sent Comenity Bank a letter because I have an open credit card with them through XXXX XXXX. On XX/XX/XXXX, the company informed me they would place me on to a forgiveness program due to Covid 19 and because I had lost my job. They then informed me I did not have to make a payment until XX/XX/XXXX. Now due to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the time of Covid 's forbearance period.
Consumer complaint received 2021-04-03
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. (MI)

On XX/XX/XXXX there was a fraudulent charge made using my Chase credit card in the amount of {$470.00} from a XXXX  XXXX in XXXX XXXX TX. I noticed the charge a day or so later. I called Chase to advise of this. They closed out my current card number and advised would send out a new card number and also put this amount in dispute. 

When I looked at my credit card statement for XXXX, I saw that the XXXX XXXX charge had been posted to my account again. I called Chase on XX/XX/XXXX and spoke to someone in their fraud department. She said wasn't sure why this happened and would reopen investigation. Didn't hear anything so called back on XX/XX/XXXX ( was told investigation would take 7-10 business days ), then called back XX/XX/XXXX ( still no resolution ). 

Finally received a call from Chase fraud/recovery department ( yesterday XXXX ). She said it was not fraud and that charge would stand. She suggested I call XXXX XXXX in XXXX XXXX myself. So I called and spoke to a store manager. She said that was totally wrong. It's up to the credit card company to open a case and deal with the store and/or XXXX XXXX headquarters. She did suggest I make a police report, so I will try to do that next. 

I already had my credit frozen with all 3 credit bureaus, but now have added a fraud alert. Don't know what else to do. I am shocked and disappointed that Chase is being so unhelpful. Help! 

Thank you, XXXX XXXX
Consumer complaint received 2021-04-02
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-04-05
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS LISTED ON MY CREDIT REPORT WAS OPEN WITHOUT MY CONSENT AND STOPPING ME FROM BUYING A HOME FOR THE FIRST TIME
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

last year XX/XX/XXXX XX/XX/XXXX, i applied for forbearance knowing that I will not be reported to credit bureaus. I paid early before the said agreement via a lump-sum amount. right after the payment my mortgage company reported me to credit bureaus that i did not pay for the forbearance months. and I was affected by a natural disaster. did not report that i am current after the lump sum amount was paid. I filed a dispute to transunion and clicked the box that says incorrect payment history. on XX/XX/XXXX I got an email that says dispute solved ... I checked on the dispute and still reflects that on XX/XX/XXXX to XX/XX/XXXX that they haven't received reports from the mortgage company and the remark that says I am affected by covid was still there. I called transunion everyweek since the dispute was filed. and their answer on friday ... its because you filed a wrong dispute! I should have said that I want to remove the remark and wants me to file a dispute again and wait for 30 days. Today I did what I was told. but before that, my mortgage company is asking for credit report from transunion since they want to check what was the remark. I can not pull my credit report from transunion since I am on dispute.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (CA)

I have a loan from XXXXOLLEGEAVE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COLLEGEAVE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contactingXX/XX/XXXX, and COLLEGEAVE with no successful resolution.XX/XX/XXXX and XX/XX/XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Consumer complaint received 2021-04-02
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)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXXwith no successful resolution.XX/XX/XXXXEquifax, and XX/XX/XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery associates calls me multiple times a day, every day despite repeated requests to stop calling and repeated requests to validate any debt. Portfolio claims I owe them a debt when I have never done business with this company. They will not provide me information about the original creditor, if there really is a debt. I asked one called to send me a 1692g letter and I stopped answering their calls. No validation has been sent and no debt with this company appears on my credit report. 

The first call was on XX/XX/XXXX and came from a fake number. Numbers known to belong to portfolio recovery associates have never called me. Their official phone number has never called me. All numbers are fake, spoofed and in one case, belonged to an individual who was not aware of portfolio recovery associates or any debt. They call every day, usually more than once. 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and so on. When answered, callers claim to be from portfolio recovery associates but will not give account details or even ask for money. Not sure if this is a real debt collector or a scam. Either way, I blocked all of these fake numbers but the calls continue using different fake/spoofed numbers. 

The purpose of this report is to gain information about any alleged debts and to make the harassing phone calls stop.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Company involved closed my account on XX/XX/2021. Had a {$9000.00} credit limit in good standing. No late or missed payments, always paid on time and was paid off early. Could not get an honest answer from anyone. Asked for supervisor and all he said was my account was closed because of past credit problems. Now my credit score dropped 27 points.I originally got this card to help with my credit and it had but now my score is lower than what it was before even having this card.Why was I approved in the first place if it was because of past credit issues and then close account and tell me it was because of past issues. Doesn't make any sense. Now as I stated my score dropped 27 points. My girlfriend is also on this account and her score only dropped 2-4 points. All the supervisor told me was that they can close an account at their discretion at any time and he hung up on me after having to call them back 3 times because of being on hold for over 16 mins. I realize my score will drop after a closed account but 27 points. They told me there were certain standards that they go by but when I asked them they couldn't or wouldn't tell me what they where.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

I DISCOVERED ON MY CREDIT REPORT THAT THERE WAS A COLLECTION ENTRY FOR COLLECTIONS FOR I GUESS INSURANCE FROM XXXX XXXX. I HAVE INSURANCE FOR THE PAST 4 YEARS FOR MY AUTO AND HOME AS WELL AS LIFE INSURANCE THRU XXXX XXXX. I CONTACTED XXXX XXXX AND THE COLLECTION AGENCY TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT BUT TO NO AVAIL NOTHING HAS HAPPENED ALL THEY WANT ME TO DO IS PAY THEM THE MONEY. THIS NEEDS TO BE REMOVED IMMEDIATELY AS THIS WAS NOT APPROVED BY ME. I DID NOT AUTHORIZE THIS INSURANCE COMPANY TO INSURE VEHICLES THAT ALREADY HAVE INSURANCE ON IT. THIS IS FRAUDULENT. I HAVE ATTACHED A POLICE REPORT AND FTC AFFIDAVIT
Consumer complaint received 2021-04-02
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. (MD)

As the consumer, I have told Equifax LLC through a notarized affidavit that there were unauthorized and unverified inquiries reporting on my credit report and in accordance to the FCRA, they legally need to be removed. Equifax LLC has not repsonded to my affidavit that was delivered via fax to XXXX on XXXX, XXXX, 2021, a number provided by Equifax LLC themselves. They are violating 15 USC 1692g as they have not completed those steps and I, the consumer, has not validated any of the Inquiries.In this case, they are also violating 15 USC 1692k that speaks of failure to comply with law and consumer they will be subject to fines each consisting of {$1000.00} each violation. My rights have been violated and the inquiries must be removed.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I am being ask to pay a debt that I remember already paid many many years ago. 

I requested Covergent to provide me the details about the age and amount of debt, including the copy of the last billing statement from the original creditor, a detailed explanation explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original claims this debt became delinquent.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STEWARD FINANCIAL SERVICES LLC (NY)

I went to the Stewards shop XXXX ATM XXXX today ( XX/XX/2021 ) at 2 locations..The first location was on XXXX XXXX and the second was on XXXX XXXX.in Albany..It is bad enough that I was assaulted by people putting harmful things in my coffee..They harassed me at there ATMS  violating my personal business. 
These people who they have done this with should be in jail and have a nerve to compromise my freedom..If you do something really bad to a person ( ME ) I have a right to make sure they can not hurt me or ANYBODY ELSE..They can not CONTROL me because I have constitutional rights and should be protected by your consumer protection agency..I don't ever ever want these people in my environment and it is my choice who I want around me and they put substances in my coffee to watch me and disrespect me in my home and this is penal code 145.50 and if you intentionality commit this act against my will you go to jail and there is NOBODYin this world who can tell ANYBODY they can assault me in anyway at all ...