davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
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. (GA)

Equifax has erroneously deleted my 2 OPEN active revolving accounts with XXXX XXXX Visa. 

Accounts in question : XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX  XXXX Mastercard XXXX XXXX XXXX XXXX They re-instated the 2 accounts 1-month ago & then again deleted it again. 

Attached is confirmation letter from Equifax showing they deleted ACTIVE & OPEN accounts that SHOULD NOT have been closed. I never asked them to delete these accounts.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (OH)

I have been a victim of identity theft and there are a XXXX account, XXXX XXXX  account that is not open and not overdue or never been late. Please remove these old accounts in my account. There is a XXXX XXXX  bill that I have never opened. There is accounts that is not mine.
Consumer complaint received 2022-04-07
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. (TN)

In accordance to the Fair Credit Reporting Act ; has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or time of place known or which should be known to be inconvenient to the Consumer. 



XXXX XXXX XXXX ( Acct : # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX ( Acct # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX XXXX, ( Acct # : XXXX & XXXX ) has violated my rights. 

XXXX XXXX XXXX ( Acct # XXXX ) violated my rights. 

XXXX of XXXX Acct # : XXXX, XXXX, violated my rights XXXX XXXX Acct # XXXX violated my rights XXXX XXXX XXXX Acct # XXXX violated my rights.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NY)

The Loan in discussion is Loan Depot Account # XXXX the issue at hand is a late in XX/XX/2020 in XX/XX/2020 I was unwell with Covid-19 I tried calling to defer the payment and could not get ahold of someone at Loan Depot. Once I was well enough to work I did make the payment immediately.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MN)

Hi - I have tried calling all three of credit bureau's to put a freeze on my credit.  None of these companies want to assist me over the phone to put the freeze on my credit but instead are trying to push me to do it online.  I do not want to provide SSN numbers or other sensitive information online.  In addition, these companies are required to assist people over the phone.  The government organization's that oversee the bureau's need to be much more strict with these companies (just like you are with the banks) so they appropriately service their customers who make them millions of dollars each year.

Thank you,
Consumer complaint received 2020-11-16
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)

XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Consumer complaint received 2020-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc. (MI)

I paid off a loan with Mountain Summit Financial , Inc. in the amount of {$1500.00} on XX/XX/20. When a representative, and subsequently a supervisor was asked the interest rate on tbe loan, they said repeatedly they did not know ot have access to the loan interest rate. They asked that I look it up myself. This is poor customer service, and upon being asked, a loan company should be able to disclose this information to a customer. I am concerned that they are failing to disclose. vital loan and interest information to customers. The supervisor I spoke with was XXXX XXXX This should not be happening to any loan customer. I was very dissatisfied with the verbal transaction that took place.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

The hacker attacked my PayPal account on XX/XX/2020 and they got all my credit cards and bank account ( checking and saving ) information that was linked to my PayPal account. 

I called PayPal right away when I realized that multiple unauthorized transactions happening on my credits cards, bank accounts ( wire transfer ), and purchases on my Paypal that were no processed by me. 

The amounts of money involved with this hacker attack was {$45000.00} wire transfer from my bank account, {$3600.00} and {$3400.00} of the transfers to another PayPal account, and several credit card charges. 

Paypal denied my claim ( dispute ) even though it was clearly unauthorized transactions.I appealed the case, and a couple hours later, I received the message that my claim was denied again. 

I phoned PayPal and they told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police, which I did already that these unauthorized activity happened on XX/XX/2020 Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that " Based on our review, we found this transaction is consistent with your PayPal payment history. '' I do not believe PayPal really investigated my claim. 

On the same day, I called all my banks that were linked to my PayPal account and told them to stop any payment from PayPal and also explained issues with PayPal. 

The banks actually did the investigations and I could get {$45000.00} back to my account, and the disputes on my credit card charges were also accepted and refunded me already. 

Now PayPal is sending me the message that I have the negative balance of {$3600.00}, which was one of the unauthorized transaction. The transaction looks like that I ordered laptop computer, which I never did and the XXXX tracking number on the transaction also shows it was delivered to my address. 

I called XXXX to find out why the tracking number seemed to be delivered and signed by me, and XXXX told me that the tracking number shows it was delivered to the same city I live, but it was not actually my address ( XXXX could not tell me the exact address it was delivered because it is personal information. ) After talking to XXXX, I called PayPal and explained the unauthorized transaction and the tracking number is also fake/fraud tracking number, and PayPal still told me they can not help anything about the negative balance and the case is closed, and I have to pay for the negative balance of {$3600.00} I have all the documents to prove the fraud and police report numbers. 

Also, I have 3 PayPal accounts and the hacker also moved around the money between the accounts, which made it more complicated to find out what's going on and where the money went when all the unauthorized transactions happened.
Consumer complaint received 2020-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 URGENT ATTENTION CAN SOMEONE PLEASE HELP!!!!! 

To Whom it may concern : Re : Account # XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Dealing with BofA has been such a horrible experience since XX/XX/2020. On or about XX/XX/2020 I called your office then transferred to the escrow department ( 1st call ) and after about 1 hour and 45 minutes of being on HOLD I made contact with a representative and was advised to pay the total amount of {$6200.00} in order to cure the current balance of {$3500.00} and TOTAL escrow SHORTAGE amount of {$2700.00} in order for my monthly payment to be what the original monthly amount of {$3000.00}, then I was informed by your office that the following month the amount would adjust for XXXX billing. 

I, then received the new statement the 1st week of XXXX and the total was {$3500.00}, I immediately called your office and was again transferred to the escrow department ( 2nd call ) and after being on HOLD for almost 2 hours again someone finally answered and reviewed my account and mentioned the case was closed and the adjustments would be done but I needed to wait about a week, then 2 weeks later on or about XXXX XXXXthe again I called ( 3rd call ) again wanting to pay amount due however the amount still showed {$3500.00} as due and no adjustments done!!!!!! So then I called back on XX/XX/XXXX ( 4th call  ) almost 2 hours and the same circus NOTHING DONE!!!!!! 

Its XXXX the XXXX and now there are 2 months that are due {$7000.00} for my mortgage!!! What am I supposed to do!!!! CALL AGAIN!!! XXXX NO!!! Someone needs to be held accountable!!!! 

XXXX XXXX ( XXXX XXXX XXXX Owner
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Leopold & Associates, LLC (NJ)

I was notified XX/XX/XXXX of a Credit Card debt dating back to XXXX which I never incurred. I sent correspondence back to plaintiff, via certified mail, stating as such. This was received and signed for by plaintiff on XX/XX/XXXX. 
I then received a Civil Action Complaint and another letter from plaintiff on XX/XX/XXXX stating I'm being sued for {$4700.00} and a redacted photocopy of said XXXX CC statement. 
I replied with another letter, via certified mail, on XX/XX/XXXX again denying any responsibility for this debt, informing them that this was now time barred by the statute of limitations anyway and to stop all harrassement regarding this scam. 
I also told them I would be contacting this office and the Attorney Generals office has been called
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I was in the home buying process and noticed inaccuracies on my credit report. A year ago I started challenging these inaccuracies. I am very concerned because all three credit reports are showing discrepancies. I have mad several attempts to request information from the 3 credit bureaus and heavenly received stall letters from each bureau. I recently sent notarized disputes to XXXX, Experian, and XXXX to prove I am who I say I am and the inaccuracies are still reporting.I am a very concerned consumer and want only true information about me reporting. 
15 U.S.C 1681G LAW VIOLATION Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer :
Consumer complaint received 2018-07-23
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. (IL)

My issue or concerns are with XXXX and Experian I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. XXXX has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX Consumer. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both XXXX and Experian are with ( XXXX XXXX XXXXXXXX for {$740.00} AND XXXX XXXXXXXX XXXX for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my Experian and XXXX credit reports. I have been disputing this information since 2017.
Consumer complaint received 2021-08-18
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. (OH)

I am a vicitim of identity theft I have contacted EQUIFAX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( XXXX XXXX XXXX ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. XXXX {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. XXXX {$180.00} opened XX/XX/XXXX original XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2022-11-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts have violated my rights. I 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid as agreed please delete XXXX XXXX dont see their account 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I received multiple debt collection letters via mail claiming a medical debt that I allegedly owed from PHOENIX FINANCIAL SERVICES dating back to XX/XX/XXXX. I do not owe any debt to PHOENIX FINANCIAL SERVICES or anyone they represent nor am I in any contract with them or anyone they affiliate with. I did not give PHOENIX FINANCIAL SERVICES or anyone else consent orally or in writing to obtain or share any of my personal information pursuant to 18 USC 1028. They repeatedly were in violation of my rights as a consumer pursuant to 15 USC 1692. I mailed them an Affidavit, Bill of Particulars ( Invoice ) and a Cease and Desist. I informed them that upon receipt they had 10 business days to respond with my specified remedy. PHOENIX FINANCIAL SERVICES received my notices on XX/XX/XXXX and have yet to respond as it is now XX/XX/XXXX.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (PA)

I was working with XXXX XXXX  on my mortgage. I have missed two payments due to Covid at the beginning of Covid Because my income had just stopped when the pandemic hit.It took my lender over six months to come up with a solution. The solution was refinance. when my lender approach me to refinance With an incredible interest rate and a 15 year term. I notified them that I was able to make the missed payments in a few weeks and did not want to refinance. When I made the missed payments my lender reported it to my credit bureaus which destroyed my credit. Although they promised not to report it, they did. I have tried to resolve the negative report to my credit with no success. I have caught up on my payments and offered to pay off the loan. They refused to fix my credit. I can not reach someone by phone or email. And all they stated was I refused the refinance in their documentation. I have since made missed payments But they refused to take the negative reporting of my credit report. The lender told me that they would not report it to my credit, yet they did and those two payments show 30, 60, and 90 day default on my loan for 6 months. XXXX XXXX Would not just put the payments at the end of my loan but wanted to take advantage of the situation And re write the loan for a 15 year 29 % interest rate On the remaining balance of my mortgage. I have tried to resolve this with numerous phone calls. The lender told me that I can not speak to anyone about repairing my credit. They never notified me that they were going to put a negative mark on my credit report. I do not have any documentation of what they did. But they have documentation in their files
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX Creditor is XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with XXXX XXXX XXXX XXXX, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company XXXX XXXX and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX XXXXXXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very Much , XXXX XXXX
Consumer complaint received 2020-10-27
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-11-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (LA)

I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!