davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (CA)

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report.

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''.

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account.

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NE)

My loans transferred from XXXX XXXX to XXXX XXXX. I have made timely recurring payments to XXXX XXXX for 10 years. When the loans transferred an additional interest amount showed up. It was only {$1.00}, so I didn't think much of it. Also, when the loans transferred, my recurring electronic payment information did not transfer, so I had to set this up again. When I followed the prompts on their website to set up my payment, I set it up to pay the minimum amount due as suggested by the website itself. Once I set it up, the website had a little disclaimer that I may have to make an additional payment to since there is outstanding interest ( the {$1.00} ). To make that payment, the company charges {$0.00} processing fee for all one-time payments. These small discrepancies and processing fees probably add up for the thousands of students that have their loans transferred over to XXXX. 

I discussed this with an online representative, XXXX, and he said he could withdraw the {$1.00} " tomorrow '' without charge and set my recurring payment to the minimum. When I went back into my account later to verify, he had changed my recurring payment from the minimum amount due to the {$1.00}. If I had not caught this, I am quite sure I would be charged a late fee, interest, etc. AND have to pay additional one-time payment fees. 

To make sure I don't have to pay additional fees, I changed my recurring payment to a few dollars more to prevent any underpayment. Even after I did that, the same disclaimer came up saying I may need to make additional payments to cover accrued interest.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (OH)

I have a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.
Consumer complaint received 2022-07-12
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. (NJ)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( Equifax, XXXX & XXXX ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor
Consumer complaint received 2023-03-22
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. (NC)

Hello, I called the creditor ( XXXX  XXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/24 I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-09
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: EQUIFAX, INC. (PA)

XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however Equifax did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have had an absolute nightmare with chase. I am a XXXX  XXXX XXXX worker. Chase has made my life a complete disaster the last couple of months. They always give me a different story when I talk to different departments and ask me questions iv already answered many many times before. For times sake I'm going to mention the current problem only. I just moved to XXXX XXXX last week. I was approved for a new checking checking account and decided to mobile deposit an check for XXXX after a business day the funds were available and I went to the bank to withdraw XXXX XXXX Next day I try to buy a window unit of of a third party vendor named Offer Up for XXXX XXXX being that my account is new I didn't have a physical card. so I went to the atm to use my mobile wallet ( which they recommended me to do ) and it was decline for " technical difficulties " the bank were closed so I tried to XXXX the person selling me the window XXXX unit and chase doesn't allow it, says it needs review. I give it to next morning and chase restricts my account. I can't even sign on to view my accounts. I call and spend way to much time to get the instructions to visit the branch to verify identiity. this also took way too long but they requested my rent agreement and XXXX to be scanned in by a banker only. 6 hours later we call back and they STILL haven't received any documents and then tell me I won't be able to get the restriction off even when they do get the proper documents because of some algorithm someone did to my account. The " : loss prevention " was telling me something about suspending my funds. 

Mind you this is just the current situation, things have happened like I've been at pets mart picking up my yorkies from the groomers in XXXX California and couldn't pay because chase randomly closed my card because of identity issues. They kept me being able too physically in person. withdraw funds bevsue the teller didn't know how to deal with out of state customers, they made me late on rent and deposits for new housing, And now they are restricting funds from a Check that was deposited into a new account and I'm suffering in blazing temperatures because I CANT ACCES MY OWN HARD EARNED MONEY. THIS HAS HAPPENED WAY TOO MANY TIMES. as soon as I get a chance I'm withdrawing every single XXXX and never ever looking back at the horrible Chase bank.
Consumer complaint received 2018-11-09
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. (FL)

Account # from when account was active : XXXX Account # according to Credit Reports : Equifax - XXXX / XXXX - XXXX /XXXX - XXXX I have already submitted a complaint ( # XXXX ) with you all regarding the actual company ( XXXX XXXX  XXXX XXXX ) providing the information but this morning I received emails from Equifax stating that my disputes ( Conf # 's XXXX & XXXX both XXXX XXXX   for duplication of accounts and inaccurately reporting a CLOSED account as OPEN ) were complete. I called and spoke with 2 different reps who both confirmed that XXXX XXXX replied that the info is correctly reporting. I proceed to explain to the young man that 1. I only ever had 1 account with XXXX XXXX  XXXX XXXX which began XX/XX/XXXX. That truck was repossessed in XX/XX/XXXX, they refused to give the vehicle back to me. How on earth can they report this balance as open when it's C/O after they refused to give me the vehicle back. He explained because the balance is still owed and was never sold. So then I asked him to explain the duplication, his response was it's not the same, account ending in XXXX has a {$0.00} balance and shows as " Sold/transferred '' & account ending in XXXX has a balance of {$11000.00} and shows " Charged off and Open '' ... hmmm, this all is a big conflict and it's like whatever the creditor says is what goes and it's not fair.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery, a collection agency I have never had any contact with at all of any kind, is reporting a debt to the credit reporting agencies in the amount of {$3600.00}, as of XX/XX/2018.
Consumer complaint received 2023-03-22
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. (NV)

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 2018-11-09
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. (CA)

XXXX and XXXX both intimated a hard inquiry of my Experian credit report. I have no credit with either company, and did not authorize these. These were done without my consent. Please help.
Consumer complaint received 2024-03-05
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. (NC)

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX  XXXX, 3.XXXX XXXX XXXX XXXX  4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian. This is my FINAL attempt to contact you! These XXXX XXXXate payments are NOT mine! They need to be removed asap! This is defaming my name and perfect credit history! Ive also been denied credit because of this falsified information! These accounts are NOT mine and if NOT removed asap I will have to reach out to my legal counsel. You can see that the amounts have no background no history other than one single late payment and for small amounts which is ridiculous! They need to be removed. 
Youve ignored my XXXX XXXX XXXX  letters, no response other than computer generated dispute. These accounts are not mine and need to be deleted. 

Account numbers in question are as follows. 

XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CT)

I purchased 2 giftcards on XXXX  from the store paypal digital gifts, a subsidiary of paypal. 

The cards were both {$100.00} XXXX giftcards on sale for {$95.00}. 
Card # 1 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX Item number was XXXX and the XXXX transaction ID was XXXX. 

Card # 2 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX   Item number was XXXX and the XXXX transaction ID was XXXX. 

Emails for both cards were sent to XXXX and were discovered unopened on XX/XX/XXXX. When opened, the emails contain a link that says View My Code. When that link is clicked one is taken to a page on paypal.com/gifts that says the link is no longer valid and states to Call PayPal Customer Service at XXXX. That phone number feeds into an automated loop of paypal info with no live person or system to navigate. 

On XX/XX/XXXX I spoke with paypal customer service. The man who answered stated that NO emails would have ever come from XXXX, that my order number didn't exist, and that there were no transactions that matched my record. His supervisor, XXXX, stated that she could see the order but that they had no way to regenerate the giftcard. 

The item I purchased was an egift card. This was not delivered to me. What was delivered was a link to the item I purchased ( but not the actual item ). There is no mention that that link would expire and no indication that one needed to download the card right away. The terms and conditions linked in that email state that the funds on the card do not expire.
Consumer complaint received 2018-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Navient began Harassing me and my Father on XX/XX/XXXX with phone calls. 
Navient claimed that a payment for {$92.00} was late. Payment actually arrived on XX/XX/XXXX and XXXX XXXX of Navient confirmed receipt at XXXX XXXX  on XX/XX/XXXX. 
Received another call on XXXX from Navient Robot stating payment was still late. 
Called staff at Navient and spoke with XXXX at XXXX XXXX onXX/XX/XXXX 
He was not sure why me and my Dad were still being Harassed by Navient. 
XXXX Stated that account should all be up to date by XX/XX/XXXX. 
On XX/XX/XXXX My Dad an I each received harassing phone calls and also email messages saying payment was late. Navient is completely incompetent.
Consumer complaint received 2018-11-09
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 ()

I have a paypal account and now they limited me for 180 days, time in which I can not withdraw money or close the account and after that time they are going to close my account and to withdraw the money I have to do it to an account in the US, I do not have an account in the US because I am a resident of another country. On the other hand, the company tells me that the problem is that they are reviewing my sales and I have never been sold by paypal. If they are going to close my account because they do not let me take out the money and that's it?
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I have bought multiple XXXX XXXX XXXX XXXX over the past few months. XXXX of them did not work and I opened cases with Incomm nearly 2 months ago. I keep getting the run-around from them. They first told me my case would be resolved and I would have access to my funds within 30 days. After 30 days had elapsed, they then told me the issue would be fixed in 48 hrs, then another 48 hrs, then another 48 hours, and now finally I just called in and they say another 48 hrs. Basically they have done nothing about my cases and just keep kicking the can down the road.