davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I requested my free annual credit reports from the three main credit bureaus via a toll-free telephone number of ( XXXX ) XXXX. I was informed that all three reports would be processed and mailed within 15 days. XXXX  provided my report within a week and XXXX  sent me a written request for some additional identifying information. Equifax never responded. On XXXX XXXX, 2020 I telephoned a number of toll-free numbers to try and reach a responsible party at Equifax. At ( XXXX ) XXXX I first spoke with " XXXX '' who was very rude and inept. She kept interrupting me and I had to tell her three times that I was calling about the toll-free telephone number request of XXXX. She kept asking me if I made the request online. I next spoke to " XXXX '' who claimed to be a supervisor. XXXX obtained several pieces of my personal information and then said their system needed more information. He did not specify which information but was insistent that I fax whatever it was to Equifax. I do not have a fax. I asked and insisted several times that Equifax request such information in writing. XXXX could not confirm that Equifax had ever done so and said he would not ( could not ) do it and would not try to locate anyone who could/would. Equifax is not exactly a poster child for security or customer service. Sending any personal information to them is a risk -- particularly without a documented paper trail that they have requested such. I don't know who XXXX is or if that is even his correct name. He refused to put me in touch with his manger and I doubt his veracity and competence. Without something in writing from Equifax, they could easily say they never requested certain information, they never wanted or needed it ; or that I was making a second request and try to charge me for a free report. They could eventually send me two separate reports and try to charge me for one or both. Equifax has not responded to my request for the free annual credit report. They did nothing until I was forced to follow-up and then they refused to document their alleged procedures in writing.
Consumer complaint received 2019-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX partial account number XXXX. ( Please see page 36 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (IN)

I get 3 spam calls a day, every week, except weekends. This has been happening for years. It is a Robocaller, asking for a debt to be paid under someone else 's name. They never answer when you call back to tell them to stop. 

I have blocked the number, but I can still see in my call history that they have attempted to call. I've been part of the Do Not Call list for years. 

This is the list of the times and dates that I received calls in just a week- there is more, but I've only added a week for the sake of this complaint : XX/XX/2020 - XXXX, XXXX, and XXXX. 

XX/XX/2020 - XXXX, XXXX, and XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX ( I've attached a screenshot of my call history to this complaint )
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Receiving constant " alerts/updates '' from XXXX & Experian which seem suspicious in that they request personal info. to continue. All are subject : " This Is Sensational! Your XXXX XX/XX/2022 Scores just hit an all-time high ''. Example follows : This Is Sensational! Your New XX/XX/2022 Scores just hit an all-time high XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX at XXXXXXXX XXXX Great Scores Get Your XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from Experian, XXXX and XXXX Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here. 

XXXX XXXX + Add to contacts XXXX
Consumer complaint received 2019-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/22 Received a letter from synchrony bank that a person was trying to open a Lowe 's credit product and they needed additional information to verify identity. It was mailed to our address but addressed to a different person 's name. We do not know this person. XX/XX/22 I called synchrony bank to report that the person was using an incorrect address. They said they said not to do anything thing and to just throw the letter away. I asked them to please record the address for their files with the incorrect information so that it doesn't wind up effecting us.
Consumer complaint received 2023-08-12
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. (MS)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX MS XXXX XXXX XXXX XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have been trying to get the correct amount of debt owed on my mortgage asked for 3 months to get a copy of the original mortgage documents company is unable to provide the documents. 

They sent me a inaccurate transaction history I was able to find 2 bank statements showing payments that was not on their history. I have provided this to them but did not get any response. 

They are unable to provide mortgage docs showing the obligation of the debt and the transaction history is inaccurate It is the responsibility of the lender to provide accurate proof of debt. I have given them documentation that their information is inaccurate. 

They violated my rights by making phone calls to my cell phone after being requested not to. I attached a email showing I released them from this after several calls were already made.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

my credit report reflects no payment on a LVNv settlement of XXXX dollars, which I paid off.It does. Not reflect the payments I made of {$450.00} in full settlement. This account has reflected on my credit report for 2 years after it was settled
Consumer complaint received 2023-08-12
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. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. Ally Financial was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact Ally financial who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to Ally. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX.
Consumer complaint received 2023-01-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please!
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (PA)

I received a letter of a debt from Commonwealth financial systems debt collection agency with the original account being from XXXX XXXX XXXX in the amount of XXXX. On XX/XX/XXXX20 I spoke to XXXX XXXX ext. XXXX who represented himself as an account manager. I told him I have medical assistance, did not receive a bill from any XXXX XXXX XXXX network office. I asked him who the debt was for specifically, maybe my children because I have not been to the DR in years, as well as the dates of service, what the service was, who the service was with and any information to help me handle this. I need the original creditor. He said he did not have that information but would would mail what he had. I never received any letter or further phone call with any notification of this information. I currently have medical assistance through the state and I need to submit this information through them to get the any alleged debt settled. On XX/XX/XXXX20 I received notification through XXXX that this is currently on my credit report as a collection account and negatively affecting my loan options status. They did not even wait the 30 days for me to respond and request in writing that I dispute the validity before putting this on my credit report file. Upon googling this specific collection agency, it seems there are tons of negative reviews and I am afraid of how they can dramatically affect my credit score. I am attaching the first notice I ever received from them.
Consumer complaint received 2023-08-12
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct erroneous reporting in the file listed on my credit reports. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Consumer complaint received 2023-01-28
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. (SC)

Disputing information on my credit reports with XXXX, XXXX and Equifax i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX  XXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX service open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (OH)

On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX XXXX 2021 XXXX  posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2019-04-09
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: EOS Holdings, Inc. (CA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.