davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

Hello I just recently got a change in my credit report and when I checked it was too Harvard Collections. When I called to find out more about the debt they said it's about a XXXX account. Which I explained I've never had a XXXX  account under my name/social at any time since I lived in XXXX. After that they gave me the information and I spoke to a XXXX  rep who now told me I have to basically go file a complaint through FTC and then file a police report.
Consumer complaint received 2022-02-10
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 sent a dispute letter to XXXX, Experian, XXXX to remove negative items.XXXX, Experian, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately
Consumer complaint received 2021-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to fail to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021.
Consumer complaint received 2021-04-11
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2021 PayPal synchrony bank issued new cards for this PayPal account due to, there discovery of fraud charges and they alerted cardholders, XXXX XXXX XXXX an co card Holder XXXX XXXX XXXX. 

They agreed in writing sent via email and via usps that new cards were being issued. 

On XX/XX/2021, PayPal synchrony bank sent a letter to XXXX and XXXX, confirming that the charges were removed. 

As of today XXXX and XXXX have not received any new replacement cards. This is still an active account thats paid as agreed. 

Give us our cards. 

Attached are both letters from XX/XX/XXXX and XX/XX/2021 from PayPal synchrony bank This does not require any phone calls. As the fraud charges for the reason of issuing new cards was approved and resolved last month, multiple weeks ago.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Diversified Consultant is a 3rd party collection company for XXXX. This company has been trying to collect debt for over 5 years. This debt has been removed and added to my credit report for years. I have requested the collection company and credits Bureaus for contract with signature and company has failed to do so in numerous times of requesting. I do not want a front of one page falsified statement from them which that have done. My credit report states opened in 2016? I have have XXXX since 2014. The company has not responded to my request and again this has been for years. Thank you for your help. Here is information:DIVERSIFIED CONSULTANT473679XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXXor XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2020-06-04
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX  ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2020-12-02
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. (CA)

I discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a XXXX balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I called Captital One Credit Card Services to request help due to financial hardship due to COVID 19 lockdown. They agreed that they would not require payments on the account while I was affected by the lockdown and that they would not assess late fees and they would not be reporting the account to the credit bureaus. However, they did not keep there promise. They charged my account a late fee of {$38.00} on XX/XX/XXXX and another {$38.00} on XX/XX/XXXX. I called today XX/XX/20 to have the charges reversed and they refused to do so. I even spoke to the supervisor. They even completely denied that I called them although that shouldn't matter since the whole world knows about the disastrous condition XXXX XXXX  has been in and the fact that we aren't even completely out of lockdown at all!!! Trying to get answers about COVID assistance online was a deceitful wild goose chase as well. It mentions COVID relief but when you click on the links they lead no-where!!! There is not way to ask for help although they make it look like they will help they do not!!! 

After insisting that there has to be something they could do to help during COVID the supervisor changed the amount due on XX/XX/XXXX to 0 instead of {$180.00}. but since I already missed the XX/XX/XXXX payment that still would leave me with the already charged late fee on the account!!!! She still would not even take away the late fee for XXXX anyway. Basically doing ablsolutely NOTHING to help me!!! Changing the accounting for a previous payment to XXXX and not taking away a late fee equals DOING ABSOLUTELY NOTHING FOR A STRUGGLING CUSTOMER DURING THE COVID PANDEMIC. 

They charge over 24 % interest and I have struggled to bring down the balance for 4 years and have been unable to do so. They are making a XXXX  on my account and yet refused to waive those late fees while I'm struggling during a pandemic!!! They are XXXX  and should be penalized. All other credit cards that I called on that day are all extending the courtesy EXCEPT them. They are scammers and liars. Please help!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX  reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXX  XXXX is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off Equifax : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ERC (FL)

Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}
Consumer complaint received 2021-04-12
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. (CA)

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from Experian and XXXX  even XXXX.
Consumer complaint received 2021-04-12
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 (AR)

Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, one day, when I was checking my paypal account, I saw NONE balance. Thus, I checked the paypal balance and I was shocked to see a transaction that posted by paypal, the note saysXXXX XXXX XXXXXXXX, paypal posting on XX/XX/2021 to paypal XXXX it is paid with paypal cash plus balance. well, paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not support me. The line is busy, and they can not tell me what exactly happened, cause the information the paypal agent who I spoke to can only access limited information about that payment transaction. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.
Consumer complaint received 2021-04-12
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. (NC)

My Equifax credit report stopped updating on XX/XX/21. It is showing no information after XX/XX/21. The report is blank. I called them and an agent tried for about and hour to solve the problem. It has been a week and no contact from Equifax to resolve.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

I received a past due notice for a medical bill that is not mine. It is either the result of identity theft, or outright fraud. I have spoken with the collection agency, Nationwide Recovery Systems, to no effect. I have also notified my health insurance company ( XXXX ) that they paid a claim for a hospital visit that did not happen. I have also notified XXXX XXXX XXXX company because my credit score went down when the collection agency reported me as past due. I also reached out to the state consumer protection agencies in Texas and Florida. Texas refused to take any action, and I never heard back from Florida. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Amerisave Mortgage company is the current servicer of my home mortgage 's escrow account. On XX/XX/2021 I received a letter from my County that a real estate tax bill was not paid. I have reached out to Amerisave multiple times through both their call center and customer support email address to figure out when they can make the payment, for that I received no feedbacks. 

As of today, this unpaid real estate tax bill is in collection process and if not addressed properly my property will be put on auction.
Consumer complaint received 2024-03-01
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)

Hello, I am XXXX XXXX and I am contacting you to request the removal of specific information from my file. The details that need to be deleted are outlined in the attached report. I have been a victim of identity theft, and I did not authorize these transactions. It is crucial that these entries are removed to rectify my credit report. I have already reported the identity theft to the Federal Trade Commission and have included copies of the Identity Theft Affidavit. I kindly request the prompt deletion of these items.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (GA)

Party involved : Binance US BAM Trading Services, d/b/a Binance.US, is a separate entity from Binance XXXX XXXXXXXX XXXX XXXX XXXX Contact Information : BAM Trading Services Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California XXXX. 
XXXX XXXX XXXX No phone number available. 

I am reaching out because I have not received my wire transfer at XXXX XXXX XXXXXXXX - XXXX XXXX account. 
This transaction was initiated on XXXX XXXXXXXX, 2021 and in the past this sort of transaction has only taken a day. My attorney also spoke with XXXX XXXX XXXXXXXX on XXXX XXXXXX/XX/XXXX and they confirmed there were no incoming wires and that most likely it had gotten rejected, which means the money went back to Binance US. 

I also spoke with XXXX XXXX XXXX Third party custodial for Binance US ) and they directed me to Binance US. Given the lack of response, I've opened two tickets asking for an update as to when my funds will settle back into my Binance US account. 
According to their procedure found online ( https : XXXX ), funds will settle back within " two to three business days '' ; but in my case that has not happened. 

The total amount wire from Binance US  to XXXX XXXX XXXXXXXX was {$15000.00} XXXX. As of today, I have not received a single response from Binance US ( i.e. customer service or any of their employees ). 
All I am looking for is for Binance US to release my funds - they are holding them for no legal reason.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried to get my " free '' online credit report through XXXX for Equifax. I entered all my identity information correctly. Both times, I got several " challenge '' questions from Equifax and NONE of those challenge questions were valid. In other words, both times, out of four questions, they said something like, " Records indicate you opened an account in XX/XX/2019, which company was it with? '' I opened no accounts in 2019 AND none of the listed companies were companies I do business with at all. After I answered that it was none of them, Equifax then shunted me over to a XXXX  page to write all my identity-theft information onto a piece of paper and MAIL it to them. Now I know from doing this over a year ago, that they never respond. This is a transparent refusal to provide my " free '' credit report. If I signed up for a PAID account, they'd give it to me immediately. I'm not giving those XXXX a PENNY. Ever. And you're not making them give out reports. All three of these XXXX XXXX, Equifax, and XXXX XXXX set up obstacles. XXXX  always complains the website it down. XXXX  always tells you to call them and never answers. Ever.