davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (MD)

On XX/XX/XXXX, I recent a hard inquiry on my Equifax credit report from XXXX XXXX that I did not authorize or give consent. I later received a letter around XX/XX/XXXX from XXXX XXXX in regards to completing my credit card application. I contacted XXXX XXXX XX/XX/XXXX and informed them I did not authorize a credit inquiry or submit an application and this was a fraud attempt to acquire credit under my social security number. The bank closed the application and told me that a notification to remove the hard inquiry was sent to all three credit bureaus. Due to the fraudulent attempt on credit report, I initiated a Fraud Alert and credit report freeze at all 3 bureaus. I have been submitting a dispute regarding the hard inquiry on my Equifax report alerting the bureau of the fraudulent inquiry everyday that keeps getting rejected or closed within hours after the dispute was initiated. I did not authorize the hard inquiry shown on my Equifax report from XXXX XXXX XX/XX/XXXX or at any time. This is a fraudulent attempt for someone to obtain credit falsely under my social security number and this inquiry should be deleted from my credit report.
Consumer complaint received 2021-11-01
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 (TX)

I have been doing a lot of business with Paypal since XXXX recently I have had an issue with funds being held for no reason and I have called them a few times and they keep giving me excuses with no resolution. The last time I asked to speak to a supervisor and I was put on hold for over an hour and I was not able to speak to anyone to resolve this issue. 
Here are the facts : 1. I had an XXXX sale on XX/XX/XXXX 2. I shipped the items on XX/XX/XXXX ( USPS Priority AWB XXXX ) 3. The customer received the items on XX/XX/XXXX 4. I generated the shipping label through Paypal, so they have the tracking number, and they know it was delivered. 
5. Paypal Transaction ID XXXX My funds are still " pending '', I never got a reason from them as to why my funds are still stuck on " Pending '' mode close to 4 months now.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (SC)

When I checked my credit score on XX/XX/XXXX there was two account with doctors care posted to my score stating about collections from this company. With no prior knowledge of the debt after working with XXXX XXXX directly back in XXXX trying to get an insurance issue resolved I contacted the company and asked why I was never contacted and that the files where placed on my profile with out the chance of trying to resolve the issue before hand. They stated that they send me a letter and called me 10 times but I have record that no one ever contacted me. And also when I contacted them on XX/XX/XXXX I gave them the new information about my insurance to refile and was told I would be contacted within 24 to 48 hours with a resolution. I had to contact them on XX/XX/XXXX to follow up on the progress and was told that they did n't have all the information they needed to file the insurance. AMCOL have a record now of lying and a lack of contacting you to try and resolve the debt almost as if they do n't want you to pay the debt and take you to court.
Consumer complaint received 2021-04-22
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. (AL)

Letters of dispute were sent XX/XX/2021 to Experian regarding XXXX XXXX  account/charge off. and XXXX XXXX reporting current open account. 
I am demanding they comply and release their findings to me of or remove items immediately from my credit fiile
Consumer complaint received 2018-01-01
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. (GA)

Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!
Consumer complaint received 2017-11-16
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: AES/PHEAA (TX)

Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.
Consumer complaint received 2018-03-26
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: Fidelity National Information Services, Inc. (FNIS) (IL)

On XX/XX/XXXX, I have faxed, the attached letter to ChexSystems in regards to the disputes stated : Dear Sir and Madam : I, XXXX XXXX XXXX have received ChexSystems letter, in conjunction with your assigned reply identification number, XXXX, to my consumer file dated on XX/XX/XXXX. This letter is to inform ChexSystems of my disputed items unlawfully reported onto my consumer identification account number, as listed below : 1. XXXX XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 2. XXXX XXXX ( I  had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 3. XXXX   XXXX XXXX, XXXX, Illinois XXXX ( in XX/XX/XXXX, I was denied by this USPS, this lockbox without an explanation ).
Consumer complaint received 2017-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

My one month IRA CD at US bank matured X/XX/17. On maturity I had the money transferred to my Fidelity account, my financial mgr at Fidelity handled the transaction. After transfer, on XX/XX/XXXX I received a copy of the IRA Distribution Form and it stated that an administrative fee of {$30.00} has been deducted from my account. <P/>Today I called the bank to question this fee. The bank mgr told me that it is legal because it is in writing in small print on the US Bank notification form. I read the small print and in there only stated is a {$25.00} early withdrawal fee plus penalties. This does not pertain to me, I did not do an early withdrawal, my cd was transferred when matured. <P/>Therefore I think I should not be charged this fee.
Consumer complaint received 2017-11-16
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: Navient Solutions, LLC. (WA)

Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.
Consumer complaint received 2017-07-11
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: CITIBANK, N.A. (FL)

CBNA made a hard inquiry of my credit score. I  never requested it, it just showed up when I looked at my   XXXX   XXXX   report.   This hard inquiry was made  on  XX/XX/XXXX .    XXXX  This is not the first time it happens. CBNA made another hard inquiry  on  XX/XX/XXXX ,   again I never requested it authorized for them to run my credit.
Consumer complaint received 2017-07-11
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: TOYOTA MOTOR CREDIT CORPORATION (MN)

I have been leasing  a 2016  Toyota  XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease . Currently Toyota is repo rting those month s as 30-59 days late. I have asked them to remove these credit markers and they have told me tha t they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mendelson Law Firm (MS)

How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.
Consumer complaint received 2019-05-11
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. (KS)

I settled a collection account and paid the balance. Then I asked the 3 major credit reporting agencies to updaye the account showing that the balance was paid. However, Experian is insisting the balance is still {$610.00}. I disputed with them and sent them documentation showing the settlement snd payment, but they did not correct the account.
Consumer complaint received 2018-01-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY (NY)

I am a TD card services customer. My card was charged without my authorization four times in XXXX and XXXX of 2020 for {$89.00}, {$89.00}, {$89.00} and {$89.00} for the total of {$350.00}. Two packages were delivered to my mailbox, two bottles in each. 
I previously ordered another item for {$6.00} from that merchant on XXXX/XXXX/20. I never got that item, instead those four tiny bottles for about {$90.00} each were delivered. That is some price that I can not afford, that is why I could not have possibly ordered those products. I mailed all four bottles intact to the merchant on XXXX/XXXX/20, since I never had ordered them in the first place. I disputed those charges. I also provided the postal receipt showing that the items were returned to the merchant. I was so upset, that decided to close the account on XXXX/XXXX/20. 
TD card services were investigating the matter for more than a month and notified me in a letter dated XX/XX/XXXX20 that they do not believe a billing error has occurred. I, on the other hand, know as a fact, that l did not order these four bottles. 
My Case Number is : XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

THIS PRESENTS A SERIOUS PRIVACY CONCERN PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history. 2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions. 3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose. Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA. *** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (IN)

XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On the XX/XX/XXXX and XX/XX/XXXX i faxed documents proving my identity to Equifax.On both occasions they have denied receiving any fax although the fax had reported successful transmissions on numerous occasions.I have been trying for months now to retrieve my credit file in order for me to process my home loan.On one occasion the agent had said they had no information on my credit even though i have years of credit history that has been reported to them.I am at a loss now because my actions go nowhere.I have read other similar reports online and seems like Equifax 's practices are putting their clients at serious risk.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

CREDIT XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to EXPERIAN, XXXX, and XXXX. This is violation of Title 15 USC 1666b ( a ). CREDIT XXXX also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Consumer complaint received 2021-06-24
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. (PA)

I have contacted EXPERIAN XXXX  AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.
Consumer complaint received 2017-11-16
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. (GA)

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.