davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND EQUIFAX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MI)

I had my stimulus payment direct deposit into my PayPal account, the irs said it would be deposited into my account as of XX/XX/XXXX of 2020, in the amount of XXXX, every time I try to go to them about it, they send me to a community thing. Now is not the time to be withholding money when it's a rough time we r having anyways and this makes it more stressful!
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-05-21
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. (DC)

EQUIFAX, XXXX AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX EQUIFAX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO XXXX STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX XXXX AND EQUIFAX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX EQUIFAX AND XXXX TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/EQUIFAX/XXXX IN PROVING MY IDENTITY.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (FL)

I do not know this account and I never signed any agreement or contract on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

XXXX is not an account I opened, or authorized and should be removed. 
Both Equifax and the Consumer Financial Protection Bureau have the settlement agreement on file between myself and XXXX where all XXXX accounts must be removd from my credit file. They are currently still illegally reporting XXXX and XXXX which never belonged to me. Finally, Equifax is reporting a number of fraudulent and illegal inquiries. I 've provided notarized statements as well as police reports advising them that these inquiries are illegal, fraudulent, and should be removed, yet they have refused to do so. These documents are also on file with the consumer financial protection bureau and Equifax. They are as follows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I now have what I feared developing from my multiple XXXX accounts. Even though I was NOT posted as late, I never was 60 days late and my complaint to you was concerning my inability to contact them to make a payment they posted late payments to my credit files. That said even though I paid off my Mortgage {$50000.00} and a considerable portion of my debt was eliminated and currently XXXX balance on my accounts I have a XXXX credit score. I find this very disturbing that I should be such a credit risk and so low a score. The have literally taken away my ability to do anything! In my opinion an evil farce since the credit bureaus tell me its the lenders who generate the credit scores not them????. I am disturbed that so many " honorable people '' ca n't do a darn thing!!!! To boot I must pay or join to get my credit score- coerced to pay to get the score?
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TN)

I paid a debt in that it would be taken off of my credit report and now they tell me that they can't delete what it is that they placed there. The debt was for XXXX that I paid in XXXX of 2021. They did show a XXXX balance but refuse to remove.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
Consumer complaint received 2023-04-19
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. (CA)

In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about 55 points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to XXXX different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with XXXX half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/XXXX I had contacted EdFinancial via customer service line to request a complete refund for all federal student loan payments I made between XX/XX/XXXX- XX/XX/XXXX due to financial hardship. The total for all loan payments I made between this period totaled {$4500.00}. The representative stated that to reinstate my loan and receive a refund for these payments, it would take a total of 150 days OR MORE to complete this request and an additional 10 days to receive a refund. I believe waiting nearly at minimum 5 months for a full refund of my federal student loan is completely unfair, especially when I am seeking refund of my loan payments due to financial hardship. To continue, I requested a confirmation email from the representative for record that the refund request has been made and it has been officially recorded EdFinancial 's system, to which the representative stated she could not provide me any type of confirmation and that I should just call back in a months time to get an update. I thought this was completely unfair considering I was put on hold for XXXX HOURS until I was able to speak to a representative about this.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX Equifax and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (FL)

I am intrested in processing disputes on my credit report with experian to delete all inaccurate information on my credit report that is hindering my file. please review an remove the invalid data to help clear my file asap.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/XXXX XXXX2020 Sequium collection open a account under my name to try to collect XXXX dollars from a original creditor XXXX XXXX XXXX. They reported It to the credit bureau. I have a derogatory mark on my credit from something that does belong to me. This company is located in California. I called sequium, I called XXXX  ( XXXX XXXX XXXX ) they did not help me with this issue. I live in Florida, I have never open a account with this company located in California. 
Please help Thank you
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (FL)

I initially joined this company in 2014 and have been pre-approved on multiple occasions for a credit card. Then when I took my time and applied through all documents Im still being denied.I realized this has caused my credit score to drop tremendously and now I also have new inquiries because of it and there are always multiple inquires at once. Im also aware of how in all these years of being with credit karma I have only succeeded once and now I understand why because I was misled by thinking i would get approved and then be effected by negative impact to my history.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to this matter.