davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I've made several attempts to receive a copy of my credit report via online and by phone. The security questions will never identify me because the questions are not relevant to me or my credit history. I requested a report in XX/XX/2019 by phone and Equifax sent me a copy of my son 's credit report. I've also submitted a complaint via the annual credit report website about the security questions. I did not receive a response. However, I did receive an email from Equifax regarding credit monitoring. I received the email after filing an identity theft report in XX/XX/2019. I am convinced that Equifax is purposely denying my access to the credit report because of the data breach.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (SC)

I did not know I owed the debt I have insurance and met my deductible and out of pocket. I never received a bill from the original creditor or from the debt collector never received a bill or notice from the debt collector and they started reporting it on my credit as of XX/XX/2019 in which dropped myscore 56 points!!! How can they report without notifying me first.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I have communicated with your company for over six months by letter and phone conversations and your company PORTFOLIO RECOVERY ASSOCIATES has stated your company aka PRA has validated a debt by me ( XXXX XXXX XXXX ) to PORTFOLIO RECOVERY ASSOCIATES. However, PORTFOLIO RECOVERY ASSOCIATES has yet to provide any debt validation to me in accordance with 15 US CODE 1692g.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I've become a victim of identity theft and my Chase account, my XXXX XXXX account, my XXXX XXXX creditcard, and my XXXX  XXXX XXXX  account n CREDIT card account and my XXXX XXXX  account and also my XXXX XXXX account were all comprised and I haven't been refunded any of my money back.. I've provided my FTC IDENTITY THEFT REPORT, MY LOCAL POLICE REPORTS AND NOTHING HAVE BEEN RESOLVED YET.
Consumer complaint received 2020-04-08
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2021-07-13
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. (CT)

I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.
Consumer complaint received 2017-05-26
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. (IL)

Equifax is reporting a chapter  XXXX  bankruptcy that was dismissed because I was not informed that the chapter  XXXX  could not be discharged, when I discovered this information I had the  BK  dismissed and paid the creditors I have been working on improving my credit and they will not remove this information
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I BORROWED {$49000.00} FOR COLLEGE IN XXXX SEPARATE STUDENT LOANS. MY FATHER CO-SIGNED THE FIRST XXXX. I APPLIED THROUGH XXXX XXXX WHICH IS NOW NAVIENT. I GRADUATED IN 2006 I HAVE BEEN PAYING ON MY LOANS FOR TEN YEARS. TO DATE I HAVE PAID OVER {$42000.00}. NAVIENT SHOWS THAT I STILL OWE {$53000.00}. MY AVERAGE PAYMENT IS $ XXXX MONTHLY WITH TIMES PAYING UP TO {$2000.00} A MONTH. I GRADUATED IN 2006 AND NAVIENT STATES I WILL BE PAID OFF IN XXXX. I WILL BE XXXX XXXX XXXX.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DC)

PayPal is often used by sellers to process transactions and consent to recurring payments. Until recently, they had a Recurring payments dashboard in which you could see what companies they were taking funds from my bank account on behalf. 

I used paypal because of the expectation that I could identify and cancel recurring third party paid services ( such as streaming services ) through them. Without notice they have removed this feature and made the font on the transaction record much smaller. 

I think this is confusing and created a false expectation.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I used XXXX to obtain my free credit reports from the three credit reporting agencies. I had no problem obtaining my detailed report from XXXX  and XXXX  online in minutes but Equifax is making it difficult and inconvenient to obtain the report. They ask several questions about accounts that were closed 10 years ago and would be difficult to remember such details. They then want me to fill out a paper form, enclose several personal documents and send it through the mail. 
This is an obvious attempt to make obtaining the report difficult so they can avoid providing the report for free.
Consumer complaint received 2019-05-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

HI MY NAME IS, XXXX XXXX I = DID NOT MAKE THIS ACCOUNT OR APPLIED FOR THESE FUNDS, ITS = THEFT & FRAUD,, A FAIR RESOLUTION TO MY DAMAGES AND FINANCIAL LOSSES ARE = XXXX $ deposited TO mE FOR lOSSES FROM tHEFT & FRAUD, ETC NOT ME, NEVER SPENT MONEY ETC PERIOD. 


XXXX # XXXX
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I deposited a {$450.00} check on XX/XX/2021 via the mobile app. I was notified of a potential hold lasting until XX/XX/2021. I called BofA to inquire and let them know this was a violation of my deposit agreement, the supervisor XXXX said she would pass the information on to her supervisor. The overall response was to call back tomorrow. OnXX/XX/2021 I was notified that the funds would not be available until XXXX XX/XX/2021.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Man-Data Inc. (OR)

I kept getting these calls about this debt ... I told the girl calling that I work from XXXX to XXXX monday through friday and she could only call me on my lunch hour or after work hours. She continued to call and I continually rejected the call or hung up. Next call I got I was threatened with legal action. She said she would be sure I was garnished and that if I missed one payment of our arrangement she would make sure legal action was taken. I had asked multiple times for something to be sent in writing about my debt. I was assured things were sent with the dates they were sent and received nothing. I have a XXXX XXXX so not likely my mail would get stolen. I made an over the phone arrangement of {$50.00} per month and when I arrived I talked to a XXXX or XXXX that took my info then came back and said that she would not authorize my payment arrangement. Told me I had to have over {$500.00} which is over half of my debt or they would garnish me. Refused to give me anything in writing including any of their policies. Multiple times I was refused when I asked to speak with a supervisor and was forced to talk to this XXXX/XXXX person. Also I would love to attach documents but unfortunately I wasn't provided with any. Also they tried to get me to give them my husbands social security number which is also very illegal for me to even give let alone for them to ask for it
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I purchased goods using my cashapp account. The goods were not as expected. I requested a return per the company 's policy, via email. I was given an address to send the items back for refund. The company ( XXXX XXXX XXXX XXXX tried to tell me they wanted to give me a credit towards another purchase. I refused and stood my ground asking for a refund. The company told me to send the items. In the email, I asked them to clarify that I would get a refund, to which they then agreed stating " We will refund you! '' I sent the items to the address XXXX was given, and provided the company with the tracking number. I paid to ship the items on XX/XX/2024 and usps confirmed delivery of the return on XX/XX/2024. 

I followed up multiple times to ask when the refund would be issued. I have yet to recieve a follow up with that that information. 

I then disputed the transaction 2ltwice with cashapp and it has been denied rwice stating the PURCHASE was not in error. I provided both screenshots of the company agreeing to a refund as well as the tracking number and dates. 

I believe this is fraud fro. A XXXX company.
Consumer complaint received 2020-09-12
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (MO)

Requested XXXX to reinvestigate Sallie Mae Loan # XXXX which per the response was validated as Accurate. XXXX did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however XXXX XXXX indicated it has been updated Rating/ Payment received. 
XXXX. XXXX report Sallie Mae # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX XXXX report indicates payments were made in XXXX. 
XXXX shows Sallie Mae # XXXX were charged off after the statue of limitation had expired. XXXX XXXX shows the re -aging of accounts by Sallie Mae in XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all Smart Option Student Loans were originated and initially held by Sallie Mae Bank , as a subsidiary of legacy SLM. Sallie Mae Bank typically then sold certain of the performing Smart Option Student Loans to an affiliate of legacy SLM for securitization. Additionally, on a monthly basis Sallie Mae Bank sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy SLM. 
Legacy SLM collected Smart Option Student Loans pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, Sallie Mae Bank began collecting the vast majority of its Smart Option Student Loans pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of Sallie Mae Banks historical performance data does not reflect current collections and charge off
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (FL)

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXXXXXX XX/XX/2022 XXXX XXXX BANK XXXX XX/XX/2022 I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC (WA)

This debt was in collections With XXXX XXXX XXXX XXXX. Through phone communication I paid is paid a settlement amount of yet of {$1500.00}. The account was considered settled in full is it settled in full on Thursday XXXX is Thursday XX/XX/2018. I have a confirmation letter letter to prove the account the account settled in full. I have given the information to J HPD E finance twice over the phone and mailed it in once. Their attempt to collect this already paid debt is fraudulent and malicious. This is currently stopping stopping my house refinance and a new yeah hence and a new car loan as well as effect as well as affecting my overall credit and credit rating.
Consumer complaint received 2017-05-26
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: Nelnet, Inc. (AZ)

To Who m It May Concern, I have an account with Nelnet Student Loans ( Federal ) I recently had an informative phone conversation with a representative of Nelnet and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would   contacted via email as well. However, this notice did not arrive until  XXXX    XXXX  , over 60 days after I had a payment due. As a result, the late payment was reported to   my credit score.
On top of that, my email and phone number were not updated with Nelnet Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).
Consumer complaint received 2023-07-24
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: Affirm Holdings, Inc (NY)

I checked my XXXX credit file and found XXXX  personal loans taken out in my name from the company " Affirm Inc ''. The XXXX personal loans were taken out on ( XXXX ) XX/XX/2022 ; Balance : {$770.00} ( XXXX ) XX/XX/2022 ; Balance : {$510.00} and ( XXXX ) XX/XX/2022 ; Balance : {$800.00}. After speaking with XXXX, they have indicated that the address associated with the XXXX loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, Affirm today, and they could not provide help regarding the XXXX loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.
Consumer complaint received 2019-05-13
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: DISCOVER BANK (NY)

This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Consumer complaint received 2019-05-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc (CA)

hi I made a online account with = XXXX, for XXXX $ in the middle of the online transaction with the loan, the XXXX site had errors making it not getting to the process of funding my account, but I did sighn the loan docs etc, the site went bad over and over? now its on my = XXXX credit report saying I got the XXXX $ and listed, I, m asking for suffering and financial losses from XXXX website errors and more ok? 

I would like the Amount of = XXXX $ Deposited to my BANK, FROM FINANCAIL LOSSES, WEBSITE FRAUD & THEFT ETC AND RUINING MY CREDIT SCORE ETC, AND LOSSES FROM WORK, GAS, TIME, PLEASE DEPOSIT MY XXXX $ XXXX CREDIT REPORT # ID= XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was XXXX in XXXX of XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.