davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (GA)

I took out a loan with Republic Finance. I tried to work with them. After, some time pass by I did not hear from Republic Finance. I assumed that the debt was written off. Two years passed by and I was notified by Human Resources that my wages were being garnished. Republic hired a collection agency by the name of XXXX, XXXX, and XXXX. I was never served any papers to appear in court. After, receiving the copy from my employer of this garnishment I reached out to XXXX XXXX his assistance spoke to me. He was very rude and unprofessional. In addition, I explained I moved and had certain circumstances that took place in my life including a divorce. No sympathy or compassion. Remind you this company makes you pay insurance on this loan. In addition, they are taking out 25 percent EVERY PAY CHECK!! I do not make much from my company. As a XXXX XXXX this is a hardship. They are taking almost half of my salary. In addition, they added collection fees, court cost along with other bogus charges. I need some form of assistance. Also, I advice anyone I REPEAT DO NOT DO BUSINESS WITH REPUBLIC. There collection agencies will milk you dry, lie, and use all types of unethical procedures to collect monies from you.
Consumer complaint received 2019-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a XX/XX/XXXXXXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. 
They " hired '' me and told me to start a 15-day trial period using two of my  credit cards ( Bank of America Travel Rewards and XXXX XX/XX/XXXX XXXX ) to make purchases. 
They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two-account information to my online banking in order to make the money transfers to my credit cards. 
I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XX/XX/XXXX and sent them to the address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). 
For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XX/XX/XXXX. 
I would like someone to help me what other steps should I take. 
Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX
Consumer complaint received 2018-03-10
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. (MD)

My complaint against XXXX anf Equifax is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. XXXX  and Equifax are not aware of that law. 

Other discrepancies also exist. XXXX  nor Eqifax have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The XXXX reporting always lists those terms and they are without credible data. 

I would like XXXX and Equifax to correct their reporting and provide me with the corrected report.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TX)

I have 10 pages that will be uploaded, and I like to explain each page. 
Pg

. 1 ) This is a letter to credit Bureaus explaining my claim. Pg. 2 ) Is a copy of receipt of the cashier 's check sent to Bridgecrest. Pg. 3
) A copy of letter from Bridgecrest stating a payoff amount with ending date XXXX. I will enclose a credit report that shows this payoff was paid on XXXX but it was actually paid before that on the XXXX. 
Pg. 4 ) Is a copy of my title sent to from Bridgecrest with a released date of XX/XX/2021 and you can see the account number written on the top. 
Pg. 5 ) This letter was sent to me 2 month 's later after my account was paid in full and closed. As you can see they used the same old account to present it as active. 
Pg.6 ) This is a XXXX credit report dated XX/XX/2021 when reported me with {$0.00} balance paid in full. 
Pg. 7 ) This is another report XXXX XX/XX/2021 {$0.00} XXXX Pg,8 ) Shows XXXX Credit report XX/XX/2021 report closed paid {$0.00} Pg.9 ) Is a continue of Pg. 8. 
Pg. 10 ) And this is what they are reporting now.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (LA)

To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of XXXX XXXX XXXX. XXXX of XXXX I contacted XXXX XXXX and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a Walmart credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from XXXX XXXX in approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this Walmart credit card account. I once again never received court documents until they were supposedly filed against me. I notified XXXX XXXX XXXX that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to XXXX XXXX requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting Walmart regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. Walmart credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. XXXX XXXX XXXX has failed to submit information from Walmart.
Consumer complaint received 2022-05-03
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. (MN)

XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2020-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I did not receive my Truth In Lending Act disclosure prior to my line of credit with CASHNETUSA. I have attempted to obtain on numerous occasions in the last several days and have been told various reasons why it will take 3 to 10 business days. One customer service representative told me a manager had to review my account and will call me back. This will take 10 business days. The second customer service representative told me it will take 3 business days. I am not confident in the information I am being given and am in need of the TILA with CASHNETUSA. This should be on my account page. For anyone who does not receive their TILA prior to the loan/line of credit you are not legally bound to make any payments.
Consumer complaint received 2019-08-26
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2019 I sold some theatre tickets on XXXX and XXXX sent the proceeds to a Paypal account that was specifically setup for this transaction. 

Paypal would not accept my legal PO Box address as a " confirmed address '' and refused to let me withdraw my money via a paper check without either 1. adding a bank account, or 2. adding a credit or debit card to my account.

After entering my physical street address and again requesting to withdraw my money via a paper check, Paypal required that I add a bank account before they would allow me to withdraw my money.

After calling Paypal customer service, they managed to force the address confirmations thru their system. I then proceeded to attempt to withdraw my money via paper check again.

Paypal next forced me to a screen where I had to " set up with a PayPal Cash account '' or I would not be allowed to continue on to attempt to withdraw my  money. Apparently this is way of forcing the customer to agree to new terms and acknowledge new terms and conditions, here is a paste of the verbage : " Not FDIC insured. 
No overdraft/credit feature. 
Contact us at XXXX, by mail at PayPal Inc., Attention : Legal Department, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or online at paypal.com/us/smarthelp/contact-us. 
For general information about prepaid accounts, visit cfpb.gov/prepaid. 
If you have a complaint about a prepaid account, call the Customer Financial Protection Bureau at XXXX or visit cfpb.gov/complaint. 
By clicking Agree and Continue, I can confirm that I have read and agree to the PayPal Cash Terms and Conditions. '' I attempted to call the Paypal " legal department '' at the phone number mentioned in the disclosure. It is not a phone number for the legal department : it is a general Paypal number where you must give them your social security number, your phone, number, and other identifying information before Paypal told me that I can't talk to the legal department, maybe they can help me, etc.

There are many misrepresentations, false/deceptive advertising, and bait and switch tactics involved in this process. Paypal represented to me that I could get a paper check and " all I had to do was open an account '' and click a button.

After insisting that I be allowed to speak with someone who can help, Paypal very quickly managed to " request a paper check '', and " There it's done '', and " It should arrive in about two weeks ''. Two weeks? Seriously? Are they working the float on my money? This is outrageous : no FDIC bank would be allowed to get away with this-so why is Paypal allowed to get away with it?
Consumer complaint received 2018-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (HI)

On the month of XX/XX/XXXX XXXX evening i decided to go online to check my credit report my first time and when i got through one of the Credit Bureau XXXX XXXX Website, I found out that someone in the past used my Identity and applied for XXXX XXXX Bank credit card, the amount of {$300.00} credit limit. This Account Number : XXXX was selloff and bought by ; The Current Owner : XXXX XXXX, XXXX. Account Number : XXXX posted in Collection the Amount of {$620.00}, all 3 Major Credit Bureaus ( XXXX, XXXX & XXXX  ). 

I still wanted more information about this debt, so I wrote to XXXX XXXX, XXXX on XX/XX/XXXX for validate to verify more information about this debts I send the mail certified and at a later time the return ticket confirm they received it on XX/XX/XXXX, XXXX XX/XX/XXXX about noon time I received a letter from XXXX XXXX XXXX XXXX XXXX and a attachment : Court Judgement of {$820.00} On XX/XX/XXXX without me knowing or properly served, they filed a suit, I was very upset and confused, i never applied for this credit card and i have no knowledge about who? used my identity and why? this debt is not mine.
Consumer complaint received 2021-01-29
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MO)

Please investigate Chase Bank credit score reporting practices. They are discriminating on the basis of neighborhood XXXX composition or income when they hand out " free '' credit scores. Evidence from today XX/XX/18? My FICA score with XXXX is XXXX, with XXXX credit score is XXXX, both excellent ratings and deservedly so. My credit score with Chase is XXXX, a B score, and it contains misinformation regarding my account history. 

What Chase is doing to me is irrelevant -- nothing will change in my life. What Chase is doing to people on my block and in my neighborhood is a crime. Chase is preventing my neighbors, who have no idea that their credit scores are being underrated, to suffer the consequences when buying a house, home, etc.
Consumer complaint received 2021-12-06
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: CITIBANK, N.A. (NY)

I am XXXX XXXX and I am submitting this complaint myself. CITI is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CITI but they failed to give me any results. Please investigate properly and remove it from my personal credit file. Thank you. 

( CITI XXXX )
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (DC)

When trying to remove a freeze on my Equifax credit report, I am unable to access my report. My online account on myEquifax appears to be locked out and is inaccessible. When calling Equifax, they are unable to locate my account via SSN, address, name, or phone number. They suggested faxing in the request to remove the freeze along with a copy of my license and SSN card, which I did on XX/XX/XXXX, to no avail. After calling back to check, they are still unable to find any account for me. 

I have several previous lines of credit, including a mortgage and car loan, and never had any trouble accessing Equifax in the past to place or remove a freeze. Since Equifax is unable/unwilling to unlock the freeze, I can not apply for further lines of credit with lenders who pull Equifax reports. I would appreciate help getting Equifax to resolve this issue promptly.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX