davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NC)

I am complaining to the CFPB that XXXX is retaliating against me for filing disputes against them for being dishonest and lying with regards to several disputes against XXXX and XXXX XXXX XXXX, and proved that XXXX had lied when they claim to have investigated these validation disputes regarding two medical bills being reported by XXXX XXXX XXXX, where they admitted they never had validation for years and all three credit Bureaus lied when they said they investigated. If they had of investigated the disputes they would of found there was no validation info available until two months ago when XXXX  sent me a medical statement violating my HIPPA protection and have lied to the CFPB. 

XXXX are now retaliating against me and making my score low and leaving inquiries I have no connector with on my credit report and has systematically refused to remove inquiries off my credit report even after me providing the identity theft report and a police report. 

Retaliation. Please notify law enforcement. 

Someone tried to sabotage my credit report and none of these accounts have nothing to do with any of my accounts the XXXX which I verified. 

I have also placed fraud alerts as required, have followed all procedures, and I want an investigation into their failure to follow procedures. 

Again, per there request I have submitted an identify theft report and police report almost 4 times now to XXXX on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. XXXX refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. XXXX needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Consumer complaint received 2022-10-28
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 (MD)

This company has rush people. 
i call paypal for get help about my limitation XXXX that was request to me send information. 
After 1 hour i received another email about my account was limited permanent again. 

But how they decided to permanent my account if i didnt sent the document for review. 

It looks like they just want keep the money. 

i feel really fustrated with this company. They system act just like hold the money to the customer. 

my email is XXXX XXXX
Consumer complaint received 2021-05-31
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. (CA)

0n XX/XX/2021, I have sent a letter regrading inaccurate and unknown things on my credit report. Up to this day, it is already over 60 days and I have not received any response yet. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 day period gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to headaches and stress you caused me.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (FL)

I paid XXXX XXXX  to remove this from my account it's still showing me all the way back from XX/XX/XXXX! I paid sometime in XXXX in XXXX to XXXX XXXX.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXXXXXX XXXX- XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-31
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: Sequium Asset Solutions, LLC (NY)

Over the last few years several debt collection agencies have registered an unpaid debt to XXXX XXXX with XXXX. In the past I challenged this debt ( twice ) and it was immediately dropped since I have never done business with XXXX XXXX. ( I don't believe they even do business in my region. ) Sequium Asset Solutions apparently bought the debt and has placed it back on my credit report. I have disputed this several times to no effect. I have called numerous times. Upon my fifth try I was able to speak with a representative who handles the " XXXX  file '' to address this matter ; but when I would not give him my full SS # he declined to help other than refer me to an email address. 

I contacted the Sequium e-mail address to handle complaints. After three attempts ( with my SS # ), they finally answered that " they have no record of this account ''. Yes, I have the e-mail. Subsequently they have never responded to my e-mails nor phone calls. 

After several more requests by XXXX, they still can not be bothered to remove this from my credit report. 

In closing, FYI, my credit report is spotless other than this error that Sequium Asset Solutions refuses to address.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I am a victim of fraud Santander Bank account via atm withdrawals and criminal found out my pin most likely looking over me or recording me entering my pin in atm or pin machine. I want my money reimbursed all {$1400.00}. I filed a criminal report with police but Santander reps have disregarded all the facts and declined me. I want to report this to highest supervisory there. Tell me why this is taking more than 3 weeks to reimburse me and investigate fully when this is fraud and grand larceny? 
Dates of theft via atm, XX/XX/XXXX through XX/XX/XXXX. 8-10 fraud atm transactions made by thief at 3 XXXX XXXX locations. All not authorized. I explained I have Not used Santander fund since end of XXXX as it's an emergency fund. I do have a Chase account and did XXXX acct activities at local branch at XXXX XXXX XXXX XXXX XXXX N Y and I believe this is where criminal stole card and pin as criminal shows stealing my money at XXXX branch facility. Please help me get reimbursed for full {$1400.00}. I reported fraud as soon as I found out crime and lost or stolen Santander debit card.
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-05-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$2400.00}, {$9100.00}, {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Consumer complaint received 2021-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I attended University XXXX XXXX on-line from XX/XX/XXXX thru XX/XX/XXXX. I experienced illegal adverstising tactics and false promises of employment following my graduation of my Associates degree. University XXXX XXXX has admitted to their wrong doing and has paid out milliions of dollars in damages, as well as waived an enormous amount of student debt. I have repaid approximately 50 % of my loan but still owe approximately {$11000.00}. According to the lawsuit I fall into the category of all 5 qualifications for student loan forgiveness yet have received absolutely nothing. My degree never helped attain any employment with the tainted University XXXX XXXX brand. I'm having trouble supporting my family and would greatly appreciate any help I can get.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

I've recently reviewed my credit report and noticed that an account from an debt collector that i never entered a consumer credit transaction with. I have reason to believe they have violated privacy and my consumer rights under the FDCPA and FCRA. I never gave consent or been in contact with this company for them to furnish an account or send information to the credit reporting agencies
Consumer complaint received 2024-03-19
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-07
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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 
XXXX XXXX DATE OF INQUIRY-XXXX  XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXX XXXX
Consumer complaint received 2024-03-19
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have been trying to get an approved employer verification form approved by Mohela for over a year. My previous employer had made an initial error in paperwork which I didn't catch unfortunately until after I submitted and got denied the first time. I spoke to a representative in XX/XX/XXXX and they said to simply resubmit the application with the corrected information and signature from employer. Since then I've had the form denied and canceled 2 times because they considered it " duplicate '' once in XX/XX/XXXX and another in XX/XX/XXXX. I spoke to a " specialist '' at Mohela in XX/XX/XXXX regarding the particular situation and they put in a " request to review, recalculate, and update my payment tracker '' because he saw that it was a corrected form and indeed not a duplicate and confirmed it was an approved employer. He told me I wouldn't get any notification until the information was updated. When I called today, XX/XX/XXXX to check on the status since I didn't see an update to my tracker, the representative today said the request to review was " canceled, '' but could not tell me why. After waiting on hold for an hour they put in a request for me to speak to a supervisor, but wouldn't hear back for at least XXXX hours. When the call was transfered to confirm my contact information the call dropped and I did not receive a call back. I never speak to the same person and seem to not be able to get this information corrected despite the representatives confirming that the information I am providing them is accurate. The representative either puts in " notes '' or requests that are never completed nor am I given written documentation of the request or updates even though I request for it. I am not given a direct line to call to get this fixed and spend hours calling about the same issue. 

I have also submitted screenshots of the correspondence I have received from Mohela on XX/XX/XXXX that confirmed this employer is approved- as well as the employment period. However, I am told by representatives otherwise and payment counts do not reflect this information I was sent.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately. 

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.