davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX  has made Inaccurate Information on my report, Per FCRA all information must me correctly as this is fraud and someone opened an account. I have tried to assessed this issued and nothing has been done. My lawyer will reach out and file the necessary suits for violations.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've sent multiple letters to Experian to have addresses that are NOT mine & have never lived at removed from my credit report because, by law, incorrect items must be removed. But they will not investigate these addresses & remove them. All they have done was sent stall letters to me claiming that i am using a credit repair company when this isn't true. I have requested this multi of times only for them to send the same email claiming false information. 

All these are the times they replied back to my letter. Never opening an investigation. 

XXXX XXXX - XX/XX/XXXX Second Letter - XX/XX/XXXX Third Letter XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XXXX  Resurgent Capital Services called regarding a couple of debts I owed. XXXX was legitimate and we paid that bill, the other was for an account that is not mine, a debt that is not mine. This supposed debt is from XXXX, charged off in XXXX. They are trying to collect {$8200.00} for an account that is not mine, I never had any credit card at that time, but is also XXXX XXXX XXXX. 
I told them the debt is not mine and they sent it to review and immediately sent me a paper notice that it was indeed mine. At the time I was on the phone with them the woman advised me to file a complaint with the CFPB. They had also said all communication about this must be in writing now, which is fine. I sent back their form that I was still disputing it when the form and review letter arrived. 
My concern, besides the age of the debt, is that it is not mine to begin with. It shouldnt be on my records at all because its just not mine. They also still email and text me several times a day, despite having unsubscribed and asking to switch to paper for all communication. 
Thank you very much and have a nice day.
Consumer complaint received 2023-06-15
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Hello, My name is XXXX XXXX and I seem to be having an issue with Synchrony Bank. See I have 2 accounts with this bank. One is a Care credit card which the bank dropped my credit limit from XXXX to just {$100.00} without notice. When I request to have the card close since I don't have a balance and the card was paid off 2 years ago. The bank customer service department tried to use every excuse possible. To prevent me from closing the card. Is that even legal? Also, I have a second card with Synchrony bank, an Ashley 's furniture card. Which the bank close again without prior notice with an outstanding balance. When I attempted to settle the account for half of the balance. I was decline, again by their customer service rep. I really do believe that your bureau along with the US government need to look into the business practices of this bank. I've also forwarded a copy of this letter to my state 's senator office. So that they can take a look into this bank 's business practices. Even during hard times this bank is not willing to work with their customers. Instead, you are bombarded with weird captions demanding payment. Which goes against their core values of Synchrony Bank? The last time I formed a complaint against this bank with your bureau. The rep response was very rude and rigid. In other words, she wasn't willing to work something out with me to resolve the issue. This is by far the worst bank in the US, and base on their business practices. I can foresee Synchrony bank shutting down or filing for bankruptcy before the end of the year.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX DUE TO THIS SITUATION!!
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (MD)

I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, XXXX XXXX XXXX acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. XXXX XXXX XXXX applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX  points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2024 my mother sent {$1600.00} to me to cover my rent which was due by XXXX XXXX XXXX XXXX XXXX XXXX She sent the MoneyGram at XXXX. She paid a fee of {$15.00}. I check at XXXX on the MoneyGram app and it showed that the transaction was ready for pickup. I checked the closest location to pickup and saw that there were several CVS that did MoneyGram Transactions in the XXXX area. I went to CVS located at XXXX XXXX XXXX XXXX, TX XXXX. They advertised to be able to recieve/send MoneyGram at the store. I told the CVS agent that I wanted to pickup a MoneyGram and was informed that they did not do MoneyGrams for over a XXXX. I was baffled because of the website stating this location was able to do MoneyGrams on the MoneyGram app. I contacted another CVS  Location at XXXX XXXX XXXX XXXX, TX XXXX and was told the same thing. That the CVS associates were not trained and that their printed no longer worked to do transactions for over a XXXX. 

So, I had to drive miles away to a XXXX . I gave the associate the transaction ID who informed me that it was not ready for pickup, and I needed to contact MoneyGram. I was once again baffled because it stated on the App that it was ready for pickup. Essentially I spent XXXX hours and counting since Im waiting on the sender to go back to XXXX to update the information because the only way they can verify the transaction is by text or call. 

Overall, MoneyGram FALSELY ADVERTISED their locations. MoneyGram is DECEPTIVE in their notification and status. MoneyGram should be regulated more and held accountable for their fraudulent behaviors.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XXXX I had a XXXXXXXX XXXX conversation with someone I believed to be XXXX XXXX ( my former neighbor ). Her account had been taken over and " she '' was selling items on behalf of her elderly uncle. I was interested in one of the items and was asked to provide a deposit to hold it. I was given her email address, which had her name in it and I sent {$210.00} from my PayPal account. As the conversation with the fraudster continued I started to get suspicious, and I texted XXXX XXXX to verify if it was really her I was speaking with. At that time, she told me it was not her and that she had been hacked. I had sent the money to someone who's name appeared as " XXXX XXXX ''. We ( the real XXXX and I ) immediately contacted PayPal to try to get my funds back, but could barely understand the person on the phone due to a lot of background call center noise and a language barrier. From what I understood, they'd " look into it '', but I had no protection. I was told I'd receive an email with the case details, but I never did, so I opened a dispute via the app. That dispute was closed in favor of the " seller '' in less than 2 hours. The details say I can appeal the dispute, but upon trying to do that, the website went in circles and kept giving me an error. I tried calling, but the automated system said I could not appeal the dispute at this time, but yet had only 10 days to do it. 
I was taken advantage of by a scammer and PayPal will do nothing to help. I asked them to pull the funds back from the fraudster, or at the very least, put a hold on the account so the money can't be spent while the investigation is underway. This has been the worst customer experience and I'd like them to be accountable to their customers in need. I am attaching screenshots of my conversation with the fraudster, who was NOT XXXX XXXX, for reference. I did try to ask XXXX XXXX to return my funds but he has since gone silent.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023, I received an email notifying me that a XXXX account had been created using my email address, and seconds later I got a second email confirming my purchase for tickets using that XXXX account in the total amount of {$1800.00}. I knew I had not created this account and it had to be fraud, so in order to prevent the fraudulent parties from getting what they wanted, I went to XXXX  to attempt to reset the password to this fraudulent account, in order for me to get access to an account I had not set up and therefore didn't have the password to, so I could change the password and block the fraudulent parties 's access to that account. I set up a new password so I could then access the account. I first tried looking for a way in XXXX to cancel and return the tickets untouched, but there was no such option, so I immediately closed the XXXX account unused and called my credit card company, Chase, to report the fraud. In the months following, we had several calls with XXXX where they continued to state they were investigating my claim with statements that they would follow up with me within 24 to 48 hours with updates, which they never did. On XX/XX/XXXX, I received a letter from Chase that their findings were the charge was valid, so I contacted Chase and XXXX in tandem again to dispute the charge. On a subsequent call XX/XX/XXXX, XXXX admitted that the account was created fraudulently while Chase was on the line, but they never sent a confirmation email containing that statement on their letterhead as Chase required, nor did they issue a refund. On XX/XX/XXXX, I followed up again with Chase who informed me that I had to reach out to XXXX directly, which I did immediately. XXXX claimed that they'd won the chargeback claim that Chase issued, that the bank ( i.e. Chase ) agreed with XXXX that this transaction was not fraudulent, and that no refund would be issued. According to XXXX, part of their " Riskified '' process to prevent fraud was to send a text message to the account holder, and once that message was responded to with an approval, that validated the account. I stated to XXXX  that I received no such text message, and when asked what phone number XXXX used to send this supposed message, they said they had no record of the phone number used to send this text message. I did NOT create this fraudulent account. I did NOT purchase these tickets from XXXX. I do NOT agree with the decision rendered by XXXX or Chase, and I am filing a police report for this fraudulent charge in combination with this complaint. I intend to take legal action absent a timely refund for this fraudulent charge. I can provide records of the above actions upon request.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (NJ)

I paid a deposit using PayPal credit and was not shown any terms and conditions when I made the purchase, now they are enforcing the merchants terms and conditions and not approving the chargeback even tho it was a fraud
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

Apple/Goldman Sachs continues to freeze my account. Will not allow for withdrawals. And everyday makes me call and wait for over 1 hour. I have called XXXX  times, each time waiting for over 1 hour to get them to unfreeze it and resubmit to move my money out. They unfreeze it but then the next day it's frozen. I want my money back immediately. 

I have requested my {$100000.00} ( roughly ) back for the past week so I can pay off a line of credit which i'm paying 11 % on. They keep denying it. 

Nobody can provide me with a solution after the XXXX phone calls ( over 5 hours ). I text apple and they keep saying to call and wait again which does nothing. 

I have requested a call back from management every time and still haven't received an email or a call.