davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (LA)

I have inaccurate information on my credit report that does not belong to me. I want the items re-investigated and removed from my credit report. I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-20
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. (IL)

Someone in Equifax office added someone elses account Information to my credit file by the name of XXXX XXXX according to all 4 creditors. His and my information are completely different. 

It should not take 30 plus days to remove his information from my credit file. They should be able to see that the name, address, date of birth and most importantly social security number does not match my information. 

When speaking with the creditors Ive been advised that when Equifax sends the dispute they do not send any supporting information so the creditors are confirming that the information is valid because they did not provide the creditors with any information that shows who the accounts belong too. I want this rectified. 

I want the below accounts removed from my credit profile and placed on the correct persons profile XXXX XXXX per each of the below creditors. 

Collection Accounts XXXX XXXX acct # XXXX XXXX XXXX  - XXXX Closed accounts Premiere Rental Purch acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21
Consumer complaint received 2024-03-13
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. (NJ)

My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for XXXX, Equifax and XXXX. I am requesting that this inquiry be removed from my credit report.
Consumer complaint received 2024-03-13
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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. (GA)

n accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

I have a long-term business account with PayPal. I invoiced my customer for training so that they can pay by credit card instead of invoice. The customer agreed to pay in advance of service. However, when the customer paid the invoice by credit card on XX/XX/XXXX, PayPal placed the payment on hold. First, PayPal claimed that my account was too new. Then the system stated that I needed to confirm receipt and the customer needed to confirm receipt, with that the payment would be released within 3-7 days. As of today, I have confirmed receipt and my customer called into customer service to confirm receipt. However, payment has not be released as promised. Customer service now states that it could take up to 21 days for the funds to be released.
Consumer complaint received 2023-10-19
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

I purchased a product on line through another scandalous company unbeknown at the time to promot there product well i figured can't promoter it unless it works so i put hade it it once but twice by accident the keep itstruction unclear so this happens quite offten.i industry reach out for a refund Wich all day they gauranttee only to be XXXX.so i do the next thing on list report it to bank file dispute to find out these people have been ripping me off for months some how got into my PayPal account and set them selves up on auto pay and have been siphoning money for months now because if that pay pal has sided with them other wise they have to admit some one got in there security.and are refusing my claim and mean time these people have gone back into pay pal and set them selves up on auto pay and hitting my account again after i filed complaint and turned auto pay off again myself.thid is on pay pal and i think they should be held responsible for it.i live on a fixed income so yes XXXX is alot to loose all at once.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OK)

I am making a formal complaint against Franklin Service , Inc., XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX ( XXXX XXXX XXXX ). I paid Franklin Service {$260.00} on XX/XX/XXXX to settle my debit in full with XXXX. Franklin Service did not report my payment to XXXX for account #. On XX/XX/XXXX I paid XXXX ( XXXX XXXX XXXX ) additional {$130.00} on same account #. I have attached receipts.
Consumer complaint received 2024-03-13
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. (TX)

XX/XX/year> viewed consumer report and seen illegal, inaccurate information from. XXXX and XXXX XXXX late payments from XXXX and illegal inquiries from XXXX XXXX
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XX/XX/2021, I received an email stating the following : " Hi, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX '' They have not given me an exact reason nor have they returned my money. I called at XXXX and XXXX on XXXX XX/XX/2021. The first representative hung up on me. The second representative told me that my account was open and functioning on his end. I asked him to open a case and email me the confirmation of it. He had me wait on the line with him for 3 minutes only to resend the exact same email that is above. It seemed as though he was doing it intentionally to mock me and waste my time. The other number he provided is non-functioning.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

I am requesting the periods of XX/XX/XXXX through XX/XX/XXXX of the No bill due period be counted on all loans towards my 120 payments as I would have made a payment if they were not in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later. With the additional payments being counted I will reach the 120 payments required for forgiveness. I am willing to pay the loan payments from XX/XX/XXXX through XX/XX/XXXX that were in Administrative Forbearance.

Per the article here : XXXX XXXX It states the following : The Department will address forbearance steering by : Conducting a One-Time Account Adjustment to Count Certain Long-Term Forbearances toward IDR and PSLF Forgiveness Borrowers steered or inappropriately placed into long-term forbearances miss out on critical progress toward IDR and PSLF forgiveness ; this can set them back years. The Departments regulations and servicer contracts have safeguards, including a 12-month limit for any single use of forbearance, and a 36-month cumulative limit on discretionary forbearance. A review of past forbearance use shows that long-term use of forbearance was remarkably widespread. More than 13 % of all Direct Loan borrowers between XX/XX/XXXX and XX/XX/XXXX have used forbearance for at least 36 months cumulatively. These changes will be applied automatically to borrowers accounts later this year. To mitigate the harms of inappropriate steering into long-term forbearance, FSA will conduct a one-time account adjustment that will count forbearances of more than 12 months consecutive and more than 36 months cumulative toward forgiveness under IDR and PSLF. Borrowers who were steered into shorter-term forbearances will be able to seek account review by filing a complaint with the FSA Ombudsman at StudentAid.gov/feedback. 
I am requesting a one-time account adjustment from XX/XX/XXXX through XX/XX/XXXX as my loans were in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later as I am willing to make back payments. 
Attached is my Borrower Defense Application dated XX/XX/XXXX, emails from the Borrower Defense Department putting my loans in Administrative Forbearance and the when the application was approved XX/XX/XXXX.
Consumer complaint received 2022-04-19
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. (NJ)

I submitted a dispute to Equifax about a late payment form my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Equifax and proven to be late before they reported it.
Consumer complaint received 2022-04-19
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. (TX)

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, XXXX and equifax over the past year and they are still appearing on my credit reports.
Consumer complaint received 2022-03-22
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. (GA)

On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked XXXX and Experian to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CO)

im behind on my discover card because they are trying to charge me XXXX after I paid everything off and im not paying them again. so its past do everyday at XXXX they call ive blocked one number that called me 4 times a day and they started calling me from another numbe and its every day so far I have it blocked too. automated voice mails. ive already tried fixing this with them and they refuse so I dont answer and im not paying there corruption on trying to get me to pay another payment after I paid everything off
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advantage Credit, Inc. (IL)

Hard Inquiry on report for a mortgage company. I did not request or ask for my credit to be ran nor was I looking to get a mortgage loan. 

Company : ADVANTAGEXXXXADVANTAGE CR Inquiry date : XXXX Type : Mortgage Companies
Consumer complaint received 2019-08-06
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. (UT)

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

There are fraudulent inquiries on my credit report from : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Services, Inc. (IL)

My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " 100 % of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


1st one : Certified Services Inc Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} 2nd one : XXXX XXXX Originator : XXXX  XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VYSTAR CREDIT UNION (FL)

On or about XX/XX/2022, I logged into my Vystar Credit Union accounts to review the Credit Card options available to customers. On the main page of the site, it offered Zero % balance transfers for 12 months on all 3 card options. From there, I selected loans services of which the options available for credit cards is to apply for a new card or apply for a credit limit increase. I applied for a new card. Once the application was submitted, I received an immediate conditional approval with the credit terms of 9.35 %, 0 % interest for 12 months on {$16000.00}. About a week goes by and I had not received a card. I called the credit union and they informed me they instead increased the credit limit on my existing card to {$16000.00} and advised that I am not eligible for 0 % because that is for new cards only. I Proceeded to explain to the rep this was a new card application. I was then transferred to XXXX XXXX who informed me the same thing but also a new card would not be issued to me unless there was an additional person added to the card. Had I known they would increase my credit limit on my existing card ( which I did not apply for ), I would not have bothered allowing them to place a hard inquiry on my credit report. 

My Issues/concerns : 1. I was not informed of policy at time of application, the system allowed me to submit an application for a NEW card AND placed a hard inquiry was place on my credit.

2. The Approval clearly stated I was approved for 0 % interest at time of the application and after submission.

3. The credit union refuses to accommodate or extend the 0 % offer even though I was initially approved for the new card offer application.

4. The credit union increased my credit limit on my existing card vs issuing a new card I was approved for without my knowledge. This was even after receiving a follow up email from the credit union to " keep an eye out for a docusign to complete in order to receive my new card ''. 

What I am hoping to accomplish is to be given the 0 % interest rate for 12 months on balance transfers as promised on the application and initial approval.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.