davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (NJ)

I pulled my credit report and noticed inquires that I have never made and sent letters to the Equifax with in a certified envelope to remove these inquires that are not mine if not provide me verification that these are mine.. I received a letter back stating that these inquiries are Verified. Verified means the credit reporting agency must provide me proof of verification that show my signature on an application of other documentation. Equifax did not provide any documentation and is now putting false information on my credit report which I will file a lawsuit against Equifax if these false inquires are not removed. 

Equifax has had numeroud data breeches and now fails to correct there mistakes which is key in a lawsuit if these accounts are not removed for false inquiries. 

The letters stated " Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-02-10
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: C & M Associates Group, Inc. (TX)

Upon checking my credit report I noticed that on XX/XX/2022 your company had a soft pull of my consumer report. 

15 U.S. Code 1681q - Obtaining information under false pretenses 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I would love to have a copy of the contract where I allowed you to use my information.

Please let me know who allowed you to do pull my credit!!
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

I am writing to dispute a collection account of {$830.00} that my previous landlord filed in my personal credit bureau report against me. Even though It was paid in full since XX/XX/2016. I fulfilled my contract and paid all the dues. 
After I left the property and they gave me the thumps up, they came back with all these fees that I was due. I talked to the property management company and they told me that they no longer had any records and that they sold the condominiums. I contacted the Professional Debt Mediation in writing and over the phone and submitted all the payments and contract and they came back with a reduced fee of {$730.00} with no explanation on how they came to this amount, after I gave them proof from my bank along with the copy of their contract and pointing out their mistakes on my account ledger. The creditor " XXXX XXXX '' kept my pet deposit and they even have it on record and did not refunded my deposit or credit my account for it.
Consumer complaint received 2023-10-19
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 (PA)

On XX/XX/XXXX I attempted to log into my Venmo account and received a banner stating my account was frozen, I then went to the Venmo website and contacted the company. They then requested I confirm my identity by sending in a picture of my drivers license. I then complied and received another email stating they were reviewing the case. On XX/XX/XXXX I received a new email which stated " Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 
XXXX XXXX | Account Specialist | Venmo '' I then waited a year to reach out again and received the same treatment. I kept asking what I did in order to not be able to utilize their services and they would not respond. On XX/XX/XXXX I received an email response that they would not respond to any further questions that I may have regarding my account closer.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2019-07-16
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. (CO)

Equifax is reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 38 and 39 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (NJ)

I have called, mail and honestly cry alot dealing with this company called XXXX. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that XXXX sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the XXXX XXXX XXXX settlement.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

I was sent a Wage Deduction Notice from a Law Firm named Blitz and Gaines, P.C. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a XXXX XXXX Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from XXXX  XXXX customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other XXXX XXXX account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. XXXX XXXX is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.
Consumer complaint received 2020-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a heloc loan from bank of America 15 years ago they recently last year sent me a letter stating that I have not made the payments and they wanted all the money now I have been paying on this loan for 15 years I sent them all the billing statements but they still wanted me to pay it again so they sent the whole loan total to a collection company XXXX XXXX XXXX  they demanded XXXX in 30 days I had to pay the whole loan again or face losing my home I sent the money and now sls wants XXXX more and will not give me a billing statement that shows what i have paid or what they think I still owe they are trying to take my house now again for XXXX
Consumer complaint received 2021-06-15
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)

Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.
Consumer complaint received 2020-02-25
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. (FL)

I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (AK)

Lending Club made an unauthorized withdrawal from my checking account in the amount of {$19000.00} on XX/XX/2020. I called Lending Club on XX/XX/2020 and their representative told me that she would send my complaint to their treasury department, but that she could not guarantee the they would return the money. I called Lending Club again today and the phone call ended with a " supervisor '' named XXXX, who insisted that they would not reimburse me for the unauthorized withdrawal and that I was responsible for any fees from the creditors to retrieve the money. I point out to XXXX that Lending Club did not deposit {$19000.00} into my checking account and I did not authorize Lending Club to withdrawal {$19000.00} from my checking account. The call ended after 1 hour, 18 minutes and 45 seconds. To date, I have spent more than 3 hours on the phone with the Lending Club over their fraudulent representation. I didn't do anything wrong. I simply responded to their offer to finance a {$20000.00} consolidation loan at 16 % APR. They approved the loan for {$20000.00} at 16 % APR, but I was only loaned {$19000.00} and the actual APR was over 22 %. I cancelled the loan before any of my creditors were reimbursed. And I agreed to their terms to pay back the balance, except for any fees from my creditors.
Consumer complaint received 2021-12-02
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: ERC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (FL)

I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Experian failed to do this. Experian is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Experian to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Experian is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (TX)

I have sent the letter to dispute the accounts listed on XX/XX/2020 and delivered on XX/XX/2020 and asked to respond within 30 days but the credit reporting agency Experian never responded or opened any investigation regarding the accounts disputed.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (AL)

I closed and account with XXXX XXXX when I moved to a new address in 2021. I made sure that the contract was completed, i talked to the company over the phone and made arrangements to return their equipment. I specifically asked and made sure that no money was owed. Approximately 6 months afterward I get a call from a collection agency and I told them the situation. The account went to collections and it has negatively affected my credit. I tried applying for a loan at my bank and was denied because of the collection. The amount I owe is {$100.00} which I could easily pay but I have refused because I don't feel it's fair to have to pay for something I know I do not owe.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My credit usage and balances went down and Equifax dropped my credit score XXXX XXXX There is also a fraudulent account XXXX XXXX XXXX that remains on report after disputing with identity theft report and police report.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # 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