davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

This is the second formal complaint I am filing against PayPal because they are dishonestly preventing my law firm clients from paying me by credit card for 30 days or more by forcing me to continue to unlawfully, unethically, and immorally verify my account again and again, time after time, for this the 6th time in less than 3 months, simply because I keyed a payment in based on a faxed and signed retainer agreement from a client rather than an in-person swiping of the card, and using that as a pre-text to hold on to my money ( last transaction they kept {$2000.00} out of a {$2500.00} credit card payment ) and then once again " limiting my account '' so that I could no longer accept credit cards or get access to my money which I desperately need to pay court ordered child support, rent, phone bills, or other necessities for me and my minor children to live. 

PayPal does not even let you know beforehand that they engage in this type of unfair and deceptive trade practice with any degree of notice ( I am a XXXX for 15 years and even I missed any notice, if there even was any, so I can not imagine a XXXX knowing about this ). 

PayPal also neglected to tell me that I can actually " invoice '' my clients by emailing them a bill, which they can immediately pay online, which sends money directly into my account, but of course they do n't want to tell their clients about this because then how else could they steal and collect interest on your hard-earned money for a minimum of 30 days? 

Fraud, deception, and unfair trade and business practices is apparently part of their business model, and their customer support, all of whom who are apparently XXXX speakers, do n't even understand their business model let along able to explain it you. 

PayPal 's actions are exposing my minor children to starvation and me to jail or loss of XXXX for non-payment of court ordered child support and home/office eviction simply because they want to dishonestly and deceptively hold on to my money ( after they have collected their large finance fee ), collect the interest thereon, and otherwise XXXX their customers in violation of both law and ethics. I demand that PayPal release my help up {$2000.00} immediately as I desperately require my rightfully earned funds from my XXXX clients. If my money is not returned I demand a formal criminal and civil investigation and indictment of this company.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC. (RI)

Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
Consumer complaint received 2015-10-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Curo Inc. (CA)

I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Meridian Financial Services, Inc. (WA)

I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.
Consumer complaint received 2016-01-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan Asset Management, LLC (TN)

Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from Target for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (CA)

I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX XXXX XXXX. After numerous late payments by her, the vehicle was sold and XXXX paid her the proceeds in excess of her loan balance. Again, I made NONE of the late payments nor was their any " repossession '' from me nor did I participate in any profits from the sale. Despite my repeated requests, EQUIFAX refuses to delete this account or the late payments/repossession status from my file.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I am contacting you in regards to a violation of the Fair Credit Reporting Act by XXXX XXXX XXXX and Equifax. I have made several attempts to have the fraudulent account from XXXX XXXX XXXX removed via the original creditor, the company they sold the account to ( XXXX XXXX and Equifax. I was able to resolve the issue with XXXX XXXX on or around XXXX/XXXX/2015, however neither the original creditor or Equifax have removed the fraudulent account from my credit file, even after several disputes providing all necessary documentation including a letter from XXXX XXXX verifying the account as fraudulent. Attached you will find a copy of the letter from XXXX XXXX as well as XXXX " investigations '' from Equifax stating the account is mine even after provided proof and verification of fraud.
Consumer complaint received 2016-08-01
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (GA)

Seterus Inc, reported a late payment for XX/XX/2015 to my mortgage account and has refused to correct it on the XXXX credit reporting agencies. Although my monthly payment was {$810.00}, I paid the exact amount as stated due, according to their mortgage statement for XX/XX/2015. Being a fairly new client, seeing there was an adjusted stated amount of {$610.00} for that month, was n't unusual, so I paid that amount, which Seterus recorded as paid on XX/XX/2015. I was appalled when I saw that they reported a thirty date late. I 've requested that they take the procedures to update my credit reporting files, to no avail.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (ID)

This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.
Consumer complaint received 2016-06-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (CA)

I have been getting continued mobile phone contact with XXXX collection companies, XXXX XXXX XXXX and Penn Credit Corporation on a number that is listed in the Do Not Call registry. These are unsolicited calls using a number I do not use for credit applications. They are both intrusive and waste my minutes on a phone I use for work purposes.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.