davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$440.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$700.00}. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (KY)

For our loan, we set a date of XX/XX/XXXX. Our selected lendor ( PNC Bank ) stated, " it will be tight, but we can do it. '' The process proceeded normally, and we were thinking that we were all set to close. My husband made travel arrangements so that he would be there for the closing. My husband was very diligent in asking if there was any information lacking 2 weeks prior to closing. Nothing was stated. On XX/XX/XXXX, my husband again sent an email asking if there was anything else that was needed for the closing. The processor sent back an email stating that he was in the file, and he would let us know. 
We heard nothing back. You can imagine our surprise when late in the afternoon on Friday, XX/XX/XXXX,  our loan officer calls us to let us know that we can not close on XX/XX/XXXX. We were in complete shock. Now, our whole weekend was upset because we had to make different arrangements. My husband would not be available to be at the closing, now pushed back to XX/XX/XXXX. We would need to get a power of attorney. The utilities and other companies would have to be called to move the date back. We were buying a farm, and animals and such would have to make different arrangements for. It was a complete mess. The officer and processor wanted to put the blame on the underwriter, however, they should have been calling and pushing to get the clear to close.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Amex : 1. erroneously took away my sign-up XXXX Membership Reward points when I had to rebook a flight XX/XX/XXXX ( new flight was charged to the very same card XX/XX/XXXX to replace my cancelled flight ) and 2. fail to reinstate them as of XX/XX/XXXX even after unhelpful three online Customer Service chat sessions ( last session XX/XX/XXXX ) plus one Customer Service call .
Consumer complaint received 2019-03-07
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company XXXX Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date OpenXXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}
Consumer complaint received 2019-03-07
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Chase Bank Usa, N.A Inquiry date : 1. XX/XX/2018 2. XX/XX/2018
Consumer complaint received 2018-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I AM SICK OF XXXX XXXX, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW XXXX XXXX RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, EQUIFAX & XXXX WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

Hello, I previously had a credit card through XXXX XXXX department store that went to collections with XXXX XXXX. I paid this debt in two/three installments with XXXX in XXXX, but this collections debt still shows on my credit report.
Consumer complaint received 2018-06-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/2018, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (KY)

I obtained a copy of my credit report and there was a company that was reporting a collections. I was never billed from the hospital nor received correspondence from them indicating money was owed. I contact them directly and it was resolved. However the collection company ( Syndicated Office Systems ) continues to report a collection on my file when that is not the case. I sent a certified letter to them asking them to reach out to the hospital so that they can see it should not be listed and they have yet to respond. They signed for the letter on XXXX/XXXX/2016
Consumer complaint received 2018-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I AM SICK OF TRANS UNION, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW TRANS UNION RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, XXXX & XXXX  WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR
Consumer complaint received 2018-06-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/XXXX, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

An international buyer from the XXXX purchased a XXXX XXXX XXXX. The buyer requested an invoice which I sent. The buyer paid for regular international postage and no insurance. The buyer transferred the funds via Paypal. The buyer and I were in regular communication since I had never sent a package internationally to a buyer. When the large flat envelope was ready to be shipped, the Paypal account included mail service. The buyer did not pay for insured mail. The buyer then filed a complaint with Paypal. So, I sent the item to him via regular mail per the invoice. On XX/XX/XXXX, I mailed the envelope. Paypal refunded the buyer the money. Paypal claimed they had no verification I sent him the package. I did. But the buyer did not pay for insurance. The invoice states the parcel will be sent via regular international mail. Protection is not mentioned. The buyer received the invoice before transmitting the funds and voiced no objections. Mailing costs were a concern to him. 

But the buyer did not pay sufficient postage for tracking and the invoice clearly states, the package would be sent uninsured via regular international mail which it was sent. In fact, a complaint was filed with the USPS when I purchased the stamps since the postal worker was nasty. Everything is paper trained. 

Paypal refunded the buyer his money, while still charging me a fee and I received no funds despite sending the package to the XXXX. Paypal is participating in theft and fraud and a scam by the buyer.
Consumer complaint received 2018-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive tried to dispute multiple accounts with no help from bureau. I have received no information or proof of debt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. 
According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monterey Financial Services LLC (GA)

Pursuant to 18USC871 act of extortion for any alleged debt owed is a violation of consumer law. According to 18USC8 anything purchased with my SSN ( personal identifier ) is an obligation of the United States and anyone attempting to collect a debt is guilty as pursuant to ( FCA ), 31 USC ( XXXX ). This debt is to be discharged at once in remedy of the natural person
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I had two credit card accounts ( Walmart {$160.00} and Care credit XXXX ) that were in collections. Walmart was paid off on XX/XX/XXXX and Care Credit was paid off on XX/XX/XXXX. I paid off both accounts and have the letters to prove it. It still shows up derogatory or negative on my credit report. With these accounts still showing negative is preventing me from getting other credit or loans. I just want the accounts to show that they are paid and take the negative status off.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IL)

I submitted a complaint about XXXX XXXX on XX/XX/2018 to CFPB, ( case # XXXX ). A part of the complaint was that they were contacting my mother who is not an authorized user on the account. They shared confidential information with her. I was informed that the bank reached out to her yet again on XX/XX/2018. The call was from phone number XXXX. They have not justification for reaching out to her, as she is not on the account, and they have all of the information already. The number they continue to call her at is XXXX. 
At this point, this is harassment, and we are currently seeking legal counsel.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (WI)

My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX, XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be mine, yet it is not familiar to me and pulling my scores down. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was not mine. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Finance LLC (DE)

I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. 

I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-06-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (NV)

I have a loan with ED FINANCIALXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and ED FINANCIALXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.