davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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. (TX)

I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2019-04-17
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. (NV)

I recently filed an FTC report for Identity Theft. I then submitted the CRA 's a copy of that filing and a list of items that were included in my FTC affidavit that should be removed from my credit profile. There are several tradelines still reporting fraudulently on my report. These companies include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX ).
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to remove fraudulent items from your platform. Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, these fraudulent items persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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)

When I investigated my credit report, I realized that some of the information was erroneous. Three credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below ; XXXX XXXX Balance {$370000.00} ; XXXX XXXX XXXX Balance {$370000.00} ; XXXX XXXX Balance {$370000.00}.
Consumer complaint received 2019-04-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IA)

Professional Bureau-Collections Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX the creditor that for my student loan debt. I called in XXXX XXXX to set up a payment plan and see what I needed to do to get out of default They told me {$100.00}, and I set up a recurring payment from my checking account. I paid on time, every month for 6 months and then i recieved a letter stating that my federal taxes were being OFFSET due to non payment. I paid on time and the amount they told me to pay. I would have been paying more if i knew. I filed a complaint and asked for a hearing with XXXX XXXX XXXX XXXX, I contacted this collector and mailed in my pay stubs, my lease, copies of all my bills, social security cards and every single documentation that they could possibly need in XX/XX/XXXX, still no response. I call at least twice a week and sit on hold and then am redirected to another useless person who gives me a different response and a different way to handle this. I just want to set up the correct payment and these people have been absolutely horrible
Consumer complaint received 2019-04-17
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. (NV)

I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.
Consumer complaint received 2023-01-04
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. (OH)

On XX/XX/2022 I sent certified letters to Experian, XXXX and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with one and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Consumer complaint received 2019-04-17
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)

two inaccurate and fraud account are reporting under my name in my equifax credit reporting agency, these two account i have never had or applied. these are opened without my knowledge, i never approved.

i will be attached the FTC report and the police report that i had provided to equifax as well but they are not considering helping me at all, they have asked so many questions that it is so hard to go through their system. please help me out here, you are my last hope i do not have money to get a lawyer and followup. i need you r help thank you
Consumer complaint received 2023-06-28
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 (MD)

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this action was a result of a mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal and active PayPal user for a considerable period of time, and I have always adhered to the terms and conditions outlined by PayPal. It came as a shock to me when my account was suddenly limited, as I have consistently maintained a high level of integrity in my transactions. 

I kindly request that PayPal re-investigate my case and reconsider the permanent limitation imposed on my account. I am confident that a thorough review will reveal that no violations have occurred. I sincerely hope that PayPal will recognize this error and take the necessary steps to restore my account. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask that you provide updates regarding the progress of the investigation and any further actions required from my end. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of my PayPal account.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Recoveries, Inc. (WA)

I have called every week for the past two months to speak to someone about consolidating my student loan debt. It puts me on hold for up to two hours then goes to a voicemail. I leave a voicemail with my information and never receive a phone call back. I am just trying to do the right thing to set up payments for my loan but they make it impossible.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT is ruining my credit trying to collect a debt for XXXX that does NOT belong to me. It's not my name nor my address on the debt. Someone used my social security number for the debt that is NOT mine. This debt for {$890.00} does not belong to me. I did not open this account with XXXX.
Consumer complaint received 2023-01-04
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Delta Outsource Group, Inc. (AR)

XX/XX/2019, was called by someone from Delta Outsource Group. I asked this person to identify his company and he refused to identify his company claiming he had a " business matter. '' During this conversation this person was extremely rude, using a threatening tone against me. I asked if his company had a website. This person said that his company did not have a website. I asked if I could make payment arrangements online. He said that while other companies had an ability to take online payments, Delta Outsource Group did not. When asked who do I talk to about making payment arrangments he said to contact XXXX County Courts. When I asked why am I talking to him, he could not say. He then referred me to XXXX XXXX Collection Manager. I asked Mr. XXXX if they had a website, he said they did. I asked Mr. XXXX if they have the means to make payment arrangments online. He said they did. I asked Mr. XXXX to send me proof that Delta Outsource was a legitimate company, which he did. I stated that the first collection agent had lied to me repeatedly and his company should take action.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/2019 I paid out what I was told was my balance on my 1st Bank of Omaha, {$8800.00}. My payments aren't due until the XXXX of each month. therefore I was " way ahead '' of payment due date. 3 days later I email the company on their web page asking the account be closed permanently. 1st Bank Omaha responded email on XX/XX/2019 informing me the account was closed. Come XX/XX/2019 I get an email from 1st Omaha informing me my account has a {$25.00} balance I am responsible for? I immediately call them. I spoke to the 1st rep who immediately informs me the bank " Does Not '' provide payout amount telephonically to customers, after I try to tell her my account is closed. I ask for a supervisor, who comes on line only to inform me that the {$25.00} balance is interest accured from the XX/XX/2019 to the date of when " THEY '' produced their next statement of XX/XX/2019. I explain on how I tried to get a pay-out from a rep before XX/XX/2019 to no avail, but she had told me the amount on line was amount due. I don't understand how I accrue interest on a closed account ( XX/XX/19 ) with XXXX balance? 1st Bank 's supervisor, simply tells me that if I want my account to dissapear, basically I just need to pay the amount. There was much more spoke, not enough room on page.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These collection account where not deleted and they where in the past COLLECTIONS XXXX XXXX XXXX  Opened XX/XX/XXXX {$670.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.

Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 3 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} Original creditor : XXXX XXXX Overview You've paid off -33 % of your collection amount.

Balance {$600.00} Highest Balance {$450.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX
Consumer complaint received 2019-04-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

In XX/XX/XXXX, Champion Mortgage attempted to foreclose on the property at XXXX XXXX XXXX. XXXX, Massachusetts. Mortgage co. was sent debt verification requests under Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). 
Foreclosure was avoided at that time, but Respondents have NOT answered to ANY validation requests and are attempting another sale on FridayXX/XX/XXXX. 

Repeated correspondences, notices and warnings have gone entirely unrebutted and unanswered.Evidence gathered shows that respondents are Not the owners of the debt and do not have documentation and verification to foreclose on the collateral property. 

Under Misprison of Felony, 18 USC subsect 4, I am required to report felony fraud, theft, attempted robbery etc. to the nearest authorities. 

This constitutes notice of Felonies in open view.
Consumer complaint received 2023-01-03
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. (LA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I sent a dispute letter to the below creditor company to dispute a fraudulent charge of {$70.00} on my closed XXXX XXXX Store Credit Card account : Creditor Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I did not make this charge. I requested the above creditor, SYNCB/XXXX, that the charge to be removed from my credit report, that any finance and other charges related to the fraudulent amount be corrected to the amount paid of {$23.00}, as well, and that I receive an accurate statement. Additionally, I closed my XXXX XXXX account as of XX/XX/XXXX. My XXXX XXXX account has been INACTIVE and CLOSED since the end of XX/XX/XXXX to present day. 

I sent XXXX letters with the below documentation to SYNCB/XXXX with USPS tracking ID, but did not get any response from SYNCB/XXXX. I tried calling, but representatives did not provide a valid case ID to followup. The company remains inactive about my case. 

Enclosed are copies I sent to SYNCB/XXXX supporting my position. 
Item 1.1 : Picture evidence of a check I wrote on XX/XX/XXXX to the amount of {$23.00} and sent via mail from XXXX XXXX, XXXX XXXX XXXX, # XXXX, New York, NY XXXX to the following address XXXX XXXX Visa/SyncB, XXXX XXXX XXXX XXXX, FL XXXX Item 1.2 Picture evidence of the bill of my XXXX XXXX Visa bill of {$23.00} purchase on XX/XX/XXXX with the following information Reference number : XXXX Description of Transaction or Credit : Old XXXX XXXX XXXX XXXX XXXX NC Apparel/Accessories Womens Active Active Bottoms Fees : {$0.00} Total Fees for this Period : {$0.00} Item 1.3 Continuing picture evidence of my bill Item 1.4 Continuing picture evidence of my mailed check of {$23.00} to the following address XXXX  XXXX Visa/SyncB,  XXXX XXXX XXXX XXXX XXXX FL XXXX Item 1.5 Screenshot from my XXXX on the day ( XX/XX/XXXX XXXX XXXX EST ) that Items 1.1-1.4 were photographed for accuracy and quality assurance purposes.
Consumer complaint received 2019-02-06
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: BANK OF THE WEST (TX)

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.