davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Back in XX/XX/2018 I advised Equifax that I am a victim of identity theft and you are reporting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Equifax deleted accounts yet inserted them back without giving me notice as well. Once again these accounts do not belong to me so why are you repeatedly continuing to report these onto my credit file. Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.i will be forced to file suit against Equifax as well as the listed companies if they are not deleted immediately. There are no contracts bearing my signature nor have they provided any proof that I have ever had any obligations to pay them. Im getting fed up with the false reporting.
Consumer complaint received 2018-11-01
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: ERC (UT)

ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
Consumer complaint received 2018-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

My checking account is in the negative. The bank continue to allow payments to post even though I am in the negative and charging me each time the {$35.00} overdraft fee. The bank has allowed one payment to process unsuccessfully 4 times, charging me a {$35.00} fee each time, while still allowing other items to post and process. I can't get back on track because I owe Simmons all of my check.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

Paypal Client disputed past payments for apartment after falling behind. Provided Paypal with evidence but closed the case because of lack of shipping info Client disputed all past transactions after they fell 2 months behind and we requested possession of the unit. The client claims that they never received the product or service, but continued making payments over time, and still are occupying the space. We provided Paypal a copy of the clients ID at time of checkin with the keys, the guests invoice, the initial reservation they made, the dispossession we filed against the client all based on what Paypals representatives keep telling us we needed to provide. Even after provide everything that was asked for Paypal wont return the money to our accounts, leaving us with a negative balance. This is preventing use from operating our business. The last communication with Paypal the supervisor said they wont look into it any further. Evidence has all been attached to the complaint.
Consumer complaint received 2018-11-02
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. (NY)

About a year ago my credit rating number declined because I closed some large accounts I was no longer using and my credit to use balance increased and impacted my rating. I have been slowly lowering the debt on my credit cards which seems to be the only negative factor. 

1, A short term loan I took from XXXX continues to appear on my credit account although it was repaid a month ago after 10 days of use, 2. Despite the fact that my credit in use balance lowered 2 % this week despite the incorrect loan, my credit rating number declined 6 points It still should have declined as there are no other cedit factors in question. 

XXXX was unable to address either of my problems. They referred me to Experian which was only able to open an inquiry on the XXXX loan. They show XXXX balance on line when I ask for a print out. 


I think they may be able to correct the XXXX issuebut have no idea why mycredit declined. Both entities seem to have no ability to address a mistake. They just correlate information they receive. 

This is disturbing and time consuming and neither could offer a direction to a remedy on the second problem. I am also concerned that the XXXX loan debit has been on the books and my records longer than I have had the loan.,
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have been trying to get my correct credit score from Experian for 7 months. Also in previous years I have for months also tried. 
In XXXX of XXXX I hired a credit repair company to find out why my score was so low.Over the next 6 months I paid {$120.00} a month for repairing my score. They were only able to get the scores up on XXXX XXXX and XXXX, they were not even able to get an updated score from Experian. In XXXX of XXXX I hired another credit score company to do the same as far as raising my score. My intention was to get the new company ( XXXX XXXX ) to get my score, I figured since they were a law company they would be able to get me results.The problem I have is that Experian shows my score from XX/XX/XXXX. I have called Experian at least a dozen times about this matter. I spoke to probably 20 or so people bout the problem of the old score.I have been told it was my operating system would not work so I tried using XXXX XXXX for the score as they said that would work, but still score from XXXX comes up.Then I spoke to another person at XXXX who said I had to empty my cookies and cache to get my score, I did and still score from XXXX came up.Then I called again and another person said it would be sent to the technical dept and keep checking, also keep refreshing the page.When I attempt to refresh the page this message comes up ( An error occurred and we are currently unable to process your request ) Still old score from XXXX comes up.I don`t feel I should be at the mercy of a credit reporting company. Because of the scor problem I can not refinance my, buy a car of get my son into college. There has to be something that cane be done to this company. Credit wise they are destroying my credit and my way of life.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (MO)

AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. 

The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

2016 XXXX.
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I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.
Consumer complaint received 2017-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.
Consumer complaint received 2018-11-02
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. (TX)

I have had problems getting a dispute by XXXX XXXX XXXX removed from my Experian report. Both XXXX  and XXXX have had no problem removing the item. XXXX XXXX XXXX Scams small businesses and the credit bureaus should not be allowed to give them a platform. Small businesses are the backbone of this countrys economy and a large company thats sole business model is to defraud them into paying {$5000.00} for a {$150.00} credit card machine is shameful. XXXX XXXX XXXX makes up 25 % of New York States default judgments. They exist to sue. Think broke numerous State of Texas door to door sales laws against my company when they tried to got me to sign up. I have filed complaints with the NY Attorney General and Texas Attorney General. NYAG even has a lawsuit against them, and they lost lawsuits in other states for there criminal enterprise as well. I sent all my evidence and certified letters to Experian showing how this company was defrauding me and all they report back is that it is a valid debt. I want to know how it is validated and the proof of it. It is not a valid debt it is theft and should not be allowed. Just like loan sharks dont have access to a credit report this company should not as well.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC (NY)

Omega RMS did not comply with the Fair Debt Collection Practices Act Section 809.
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I received a copy of my credit report and noticed a trade line with an account from Omega RMS. Omega RMS failed to send me a written debt validation notice. I then notified all three credit bureaus. Soon after informing the credit bureaus I then called the number listed on my credit report for Omega RMS. I spoke to someone at Omega RMS and they stated they would send something to me. The next week, I received a letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. I sent Omega RMS a debt validation letter via USPS which I have proof they received. Until XXXX XXXX, 2017 I did not receive any validation of the debt from Omega RMS and also, Omega RMS verified the debt was accurate to a dispute that I made with the three credit bureaus. Omega RMS did not verify or validate that the debt was accurate with me, but they verified that the debt was accurate with the credit bureaus.
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On XXXX XXXX, 2017, I received another letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package again was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and again another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. How can Omega RMS verify and update with the credit bureaus and not verify with me? Omega RMS also ignored my written request to verify the debt and is continuing to collect on this debt before providing verification and validation. This is a clear violation of the Fair Credit Reporting Act Section 809. Who are these people and how did they get my social security number? Also how were they able to report this information to the credit bureaus without my authorization?
Consumer complaint received 2023-03-21
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. (NJ)

To whom it may concern : I've requested debt validation twice from XXXXXXXX XXXX  XXXX and have not received any information about my request. On XX/XX/2023, I asked for the following : A breakdown of fees, including how they calculated what they claim I owe. 
A copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Proof that this company is licensed to collect debt in my state. 
They have updated the account status to closed. However, I want it to be removed immediately.
Consumer complaint received 2019-03-29
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: WELLS FARGO & COMPANY (NY)

Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I have a business Venmo account that has been locked without notice. When I call to speak with representatives I am given no resolution. When speaking with the supervisor there were no details as to why my business account was frozen and no details as to what I had to do to resolve the frozen account. I have spent a considerable amount of time trying to escalate the matter to no avail.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (AZ)

Lender sent Final closing disclosure on XXXX for XXXX closing with locked-in rate and 1.25 % of Loan Amount ( Points ) {$5000.00} that I'm paying to reduce the interest rate to 5.625 %. Lender requested subject-to solar pay-off revision in appraisal which Title sent XX/XX/XXXX that it was paid off which they delayed submitting, and now requesting a revision from appraiser to remove subject-to. I wired closing funds already based on Cash-to-close. On XX/XX/11, Lender sent another final closing disclosure XXXX XXXX states : " Per borrower 's request the lock has been extended 11 days. The discount is now set at 1.375 % ( {$5500.00} ). '' I did not request this, the lender is the one that delayed with appraiser. I can close ASAP.