davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
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. (MN)

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2022-09-15
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. The 3 credit bureaus are required to authenticate these accounts 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 Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}.
Consumer complaint received 2022-09-15
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

XXXX XXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX to utilize XXXX which is now known as XXXX. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX  with a XXXX   and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.
Consumer complaint received 2018-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I attempted to send money to my daughter via PayPal 's " send money to a person '' feature. Usually, this is an instant transaction. This time, it wasn't. Instead of an instant transaction, PayPal issued an e-check which takes 3-5 business days. When I looked up information about how to cancel this, I found this on their site : https : //www.paypal.com/XXXX   XXXX & XXXX & XXXX " Can I cancel an eCheck? 
No, but the recipient can cancel an eCheck. If we have not begun processing the payment at the time the recipient makes the request, we will cancel it outright. If we have already begun processing the payment, we'll refund the money into your PayPal account. '' My daughter immediately canceled the transaction. Yet, PayPal took the funds anyway. When I tried to reverse this to get my funds faster all of my requests were refused. I have to wait as long as 8 days to receive funds that they took out of my account when I didn't intend for them to come out at all. 

My bank, XXXX XXXX, also would not help. 

I'm attaching two files. One, a screen capture that shows the transactions were canceled and the second, a screen capture that shows the money came out of my account anyway.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (PA)

On XX/XX/2020 at XXXX XXXX, I received an email from Paypal that stated someone logged into my account from California, however, it was not me ( I live in PA ). Then there were four more messages sent from PayPal ( all the messages were in XXXX ). I was able to log into my PayPal account and change my password but the hacker already opened a business account using my credit. I was able to call PayPal to close the account. The name he switched the account to was " XXXX XXXX '' and had an address in Texas. Please keep a lookout for this name. Thank you for your time.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. 
If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. 
If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. 
The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I applied to refinance my current mortgage with Chase. At this time I was told I would need {$500.00} for upfront fees and that nothing would be due at closing and I would not be required to provide anymore funds. My refinance was approved. I did not hear from Chase for 14 days at which time they informed me that I would be required to have a minimum balance in my Chase checking account of {$6600.00}. I was not informed of this upfront. I called the Lender and asked why. They told me that due to Covid-19 there is a new law requiring all lenders verify that all borrowers have {$6600.00} in their checking accounts. I have since discovered that was not true. I am currently working with another finance company and they do not require me to have {$6600.00} in my account. Therefore, Chase deceived me twice and they have not refunded my {$500.00}. It has been 14 days since my original request for a refund. I have attached emails from them stating it would take 7 to 10 business days for my refund yet I still do not have it.
Consumer complaint received 2018-07-08
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: EQUIFAX, INC. (OH)

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, Equifax now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Experian honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX/XXXX : XX/XX/2018 XXXX XXXX Auto Finance : XX/XX/2018 XXXX XXXX XXXX : XX/XX/2018 XXXX XXXX : XX/XX/2018 Thank You for your support.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

On XX/XX/2018, I sent XXXX XXXX, a cease and desist letter by certified mail that was signed on XX/XX/2018. 

On XX/XX/2018, I sent XXXX XXXX another letter via certified mail that was signed on XX/XX/2018. 

To date, XXXX XXXX is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMA Advisors, LLC. (NV)

VA loan with XXXX in XXXX. Loan was sold three times in two years Homebridge to Company X, back to Homebridge. Homebridge now has two accounts on my credit showing past due 60 days because they sucked at keeping up with when they sold my loan. Sold house in XXXX, paid in full and was never late. I have called, faxed and snail mailed Homebridge with no response. Calls after waiting on hold hours, end with promises of a call back by " credit department '', never happens. All disputes come back with " verified information ''. Now they have just put a current late XX/XX/XXXX on a loan that was closed and paid in full back in XXXX.
Consumer complaint received 2020-08-25
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. (CO)

On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MD)

I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom reads, I have account with capital one, I have 2 of there credit cards one of  them for 3 years. Through the years of having that card I always every 6 months ask for credit increase and never receive I constantly get the run arounds and get told over the phone with the company, they say my account is great and pay Bill 's on time and I ask for increase they pass me to another operator ( robot ) answer questions and I'm being told few days later I've been denied but the ( real ) operators tell me I'm eligible to receive increase 3 years still no increase, been stuck at {$300.00} for 3 years! No loyalty at all! 

Also the biggest problem I have had recently ( with month of XX/XX/2018 ) after another day paying my bill off 2 days later I get a notice to check my credit score, Capital one completely screwed me over knocked me down 64 points when I worked so hard every month to earn my points, but they completely knocked me 64 points on my credit score. I worked very hard to earn and my score is very important for me, keeps roof over my head I do alot of investing and need my credit score to provide banks for loans to invest more for me to have a easy financial future. 

To whom reads please help me I've spoken to capital one about these issues and its same old story all the time they cant fix credit score and cant increase me credit. Please help! Thank you very much
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc. (CA)

On XX/XX/2022, I paid an alleged of {$150.00} to XXXX a debt collector in connection with zip formerly known as QuadPay. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, EXPERIAN, XXXX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my credit report and saw some incorrect information. I sent letters out multiply times here are the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged-off every month. This is an update in the payment history which to my understanding charge-off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXXXXXX and account number : XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IL)

This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.
Consumer complaint received 2018-07-08
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: SYNCHRONY FINANCIAL (MD)

I have file number of dispute that the account from SYNCB/XXXX XXXX I did not open this account this was open by my ex wife or someone else ... Yet again, thay have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. please note : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am seeking ( {$3000.00} ) in damages for : ( choose which laws toinclude depending on whether or not they provided you with evidence or failed to mark as disputed ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Violation of ( insert corresponding state laws here if desired )