davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ProCollect, Inc. (TX)

I am filing a complaint regarding an unauthorized collection entry placed on my credit report by Procollect ( Adress- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX Phone- XXXX XXXX XXXX ) The agency first contacted me by phone call regarding this debt on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. However, before ever contacting me, they reported the debt to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These acts mandate that consumers have adequate notice and the opportunity to verify or dispute a debt before it appears on their credit report. 

Furthermore, I have proof that this debt was paid in full on XX/XX/XXXX. Despite this, Procollect inaccurately reported it, causing an immediate and severe impact on my credit score. This has led to significant distress and unfairly harmed my financial standing. 

I have made several attempts to resolve this matter directly. I have sent multiple emails and left messages on the agency 's website, but I have received no response or assistance in correcting the error. Additionally, I was forced to contact all three major credit bureaus ( XXXX, XXXX, and XXXX ) to file disputes to mitigate the impact on my credit score. 

I request that the CFPB investigate this matter and ensure the immediate removal of this incorrect entry from my credit report. Additionally, I seek assurances that the collection agency will comply with FCRA and FDCPA requirements in future actions.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (TN)

XXXX, I ordered items from XXXX totaling {$270.00} which included the amount of {$260.00} for furniture ( XXXX XXXX XXXX XXXX XXXX Afterpay XXXX XXXX XXXX was used to facilitate the credit transaction, and I have been required to make scheduled payments of {$69.00} on the order every two weeks, following a down payment. 

XXXX, I was sent an email from the merchant XXXX ( on their platform ) indicating that the furniture portion of my order had been shipped via XXXX, and should be received no later than XX/XX/year>. The XXXX shipping receipt provided to me by XXXX upon the alleged shipping of the furniture, also serves as an indication that it was never actually shipped by XXXX ( see attachment ). Please note, it has not been received as of the date of this complaint. 

On XXXX, after not receiving my purchase and being given the " runaround '' by XXXX regarding this matter, I filed an online complaint with Afterpay, which they ultimately responded too by repeating XXXX 's false claim that the furniture was delivered " in the mailbox '' at the designated delivery address, which is not only false, but also impossible. Afterpay apparently accepted the merchant 's obvious false claim, denied my refund, and continues to withdraw payments from my bank account for merchandise I never received. 

On XXXX, in response to a complaint that I initiallyfiled with them, XXXX forwarded a correspondence indicating that a " chargeback '' was in progress, directing me to " contact my financial institution '' which would be Afterpay in this instance ( see attachment ).

As of this date, Afterpay continues to give me the " runaround '' and has not refunded any of my money, and they continue to withdraw funds from my checking account, effectively facilitating and participating in the fraud against me.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my XXXX time writing this issue. I sent your company a claim last month XXXX XXXX,2024, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.
Consumer complaint received 2018-11-09
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 (NJ)

PAYPAL is currently holding {$1300.00} of my money since XX/XX/2018 even though I satified all of the requirements that are stated in the 1. ) PAYPAL disclousure for holding funds, 2. ) telephone conversations with PAYPAL representatives and 3. ) notices on my PAYPAL account computer page.

In XX/XX/2018 I started listing and selling my collection of toys on XXXX to supplement my income. XXXX required me to open an account with PAYPAL to act as the " BANK '' for payments. I followed the PAYPAL instructions and set up the account as required. I began receiving money for my toy sales which was automatically placed on hold by PAYPAL for 21 days with the option to release my money early if I could provide an proof from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I first provided an XXXX " positive feedback '' from every customer assuming that was what the feedback option was intended for but PAYPAL demanded additional information in the form of an email from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I then contacted every person I sold items to, explained what PAYPAL was demanding for the release of my money and they all replied with mails reconfirming that they were satified along with notes about how they also thought the XXXX " positive feedback '' response should have been sufficient evidence that they were satified to PAYPAL. After numerous telephone calls back and fourth from XXXX, PAYPAL and myself a portion of my money was released. When I started the process to again have the rest of my money from my toy sales on XXXX released, I was again required to " jump through hoops '' but this time with the added demand for and UPLOAD OF PHOTO ID, PROVIDE PROOF OF FULLMENT and PROVIDE PURCHASE RECEIPT FROM THE SUPPLIER. I did as required, going so far as to optain a new NJ MOTORVEHICLE IDENTIFICATION ( I am XXXX   and do not drive ) just to satisfy PAYPAL. I originally submitted my passport as identification which they would not except.

After complying with all of the extra requirements and checking daily to see when my funds would be available I received an email that stated : FOR SECURITY REASONS YOUR FUNDS WILL BE HELD FOR 180 DAYS. I called PAYPAL several times and the representative stated that they did not know what specifically " FOR SECURITY REASONS '' meant and would not transfer my call as the security department did not take phone calls. I tried emailing and submitting comments to no avail. The 21 days hold is long since past. ( XX/XX/2018 ) so my funds should be available no matter what.

Additionally, I requested and explaination in writting of " FOR SECURITY REASONS '' each time I spoke with a PAYPAL representative and have never received and explaination of why or what was necessary to release my money.
Consumer complaint received 2018-08-24
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)

In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC (OR)

This is a complaint against Johnson Mark, LLC ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX Johnson Mark, LLC is representing XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) doing business at the following address : XXXX. XXXX  XXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

Johnson, Mark LLC has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXX Store located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where Johnson Mark, LLC practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for Johnson Mark, LLC to follow garnishment proceedings with publicly traded companies such as ADP since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) simply going by the work of Johnson Mark, LLC at this time. 

While XXXX XXXX ( XXXX XXXX XXXX, XXXX ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for Johnson Mark, LLC have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or JXXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ). 

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I was paying monthly my Citibank Credit Card over the phone. The last time I spoke to someone, around XX/XX/2018, I asked the customer service representative to set up auto-payments on the account so I did not have to call in every month. It was also hard to know what the balance was, the due date, or remember how much needed to be paid, as all of my statements since XXXX have come blank with only the XXXX  XXXX, Customer service number and account number. There is NOTHING on the paper underneath the heading information ... It was my understanding that he processed that request and set it up so my account was on XXXX. 6 Months later, the collection agency is calling my BOYFRIEND, who I did not authorize them to call and have no clue where they even got his number, about my account saying it's in collections. I immediately called the collection agency back and made a large payment of about {$450.00} on the account, and set up weekly payments on the remainder. I called the XXXX account inquiry number today at XXXX & was told they " cant even open '' my account, they wont even attempt to listen to what my questions are, before they transfer me to the recovery department. The recovery department tells me they can't do anything but see the amount i owe and take a payment in full because my accounts closed and that if I need help to call the collection agency. the collection agency tells me I need to speak to Citibank. NO  XXXXNE will help me, give me the information to get help, etc. I specifically asked XXXX of the recovery department XXXX if there were agencies to file complaints regarding credit card fees, and he refused to give me the information and stated he himself would take a complaint but wasn't going to do anything about it. All i am asking for is for the {$250.00} in Late Payment charges on the account to be removed, since these were billed in part due to the error of the CSR at Citibank not setting up auto-pay when i had asked, and I am willing to pay the remaining balance of over {$700.00} in full immediately.
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion without my knowledge and consent removed or deleted my XXXX ( XXXX ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for Transunion to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. Transunion has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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