davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-27
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (TX)

I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. 
I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. 
I have a XX/XX/XXXXXXXX XXXX which has been paid in full.
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I signed for Paypal Merchant Processing through XXXX XXXX  through a Paypal Sales Associate and fulfilled all the requirements to redeem the offer. Yet Paypal has yet to send my email to XXXX to confirm I have fulfilled the requirements. 

I have contacted XXXX multiple times and they said Paypal needs to be the one to send them my email address to confirm I have fulfilled the requirements so I can get credited as XXXX for the signup at Paypal.
Consumer complaint received 2021-06-27
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. (IL)

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 2018-11-13
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: Grant & Weber (CA)

On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I recently pulled a copy of my credit report and noticed the following information is in error. I am challenging the incorrect, inaccurate and obsolete information where Equifax has clearly violated the law and has placed on my credit report. I want this obsolete, erroneous, incorrect, unfair and unduly information removed immediately. Its incorrect and its affecting me from fair credit reporting practices. The balance, account type, the opening date and closed date are all incorrect, erroneous, obsolete and unfair. The creditors contact information to include address and telephone numbers are incorrect and have changed from previous credit reports that I have pulled monthly since XX/XX/2020. When I call the contact number that they listed it's a tele-marker for auto insurance. As stated previously on prior reports the balance is XXXX. I even called the Dept of Education myself and they did verify that I have a XXXX balance and the actual age of the account which is over XXXX XXXX XXXX. This inaccurate information was deleted last year and has reappeared on my report.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

On XX/XX/2021 I logged into my Way2Go child support card and noticed a fraudulent transaction out of XXXX California for the amount of {$3.00} used on XX/XX/2021. I immediately called Way2Go customer service and filed a dispute and ordered a replacement card, and notified Way2Go customer service that I have never been to California nor do I know anybody in California nor have I purchased anything in California. So much to my disbelief, I logged into my account and saw that the same company attempted to use my card again on XX/XX/2021, and even more devastating they used my card AGAIN on XX/XX/2021 multiple times also in XXXX California totaling over {$63.00}! Extremely frustrated I called Way2Go over and over demanding answer how a card that I reported weeks earlier keeps on being used over and over in a state on the other side of the country than me! I never got answers but I got a dispute packet and I filed a police report. On XX/XX/2021, Way2Go had the audacity to deny my claim as fraud and refused to refund any of my money. I called the police in XXXX California and the police there found the actual video surveillance of the criminals that were fraudulently using my card information at XXXX! I then contacted Way2Go with this breaking evidence and they refused to reopen my case or refund my money. I will be getting lawyers involved over this!
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 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 2022-07-28
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. (PA)

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous 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 2023-07-29
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 (OH)

Hello, my name is XXXX XXXX. 

My issue is that i recive a email about my account has been permanent limited ( You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX, what is paypal object to do this when my account has never been asociate with any problem. 

i already had this limitation before and was already resolve ( Id. de referencia : XXXX ), i submit all the information without any problem. 

Why you place a new limitation again with excuse for hold my money, i dont think there is any risk with nothing on my account. 

i always use paypal in according to the policy. 
i guess paypal is for send and received money so, what is the reason of my limitation??? 

If there is a mistake will you please help me to fix this problem?? 

i will apreciate if you can review my account and i m sure that is nothing wrong or with any risk asociate. 

i hope you guys help me please. 

XXXX XXXX
Consumer complaint received 2021-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Keeps Selling An Alleged Debt They're Trying To Say That I Owe To 3rd Party Companies. I Have Never Entered Into Agreement With Any Of These 3rd Party Companies Such XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I Have Demanded That All Of These Collection Companies Provide Proof Of Validation Of The Debt, Which None Of Them Have Been Able To Do So. This Is Negatively Effecting My Credit Score And This Needs To Stop Immediately.
Consumer complaint received 2021-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

on XX/XX/2021 I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Also False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.
Consumer complaint received 2018-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Hello, Thank you for reading this complaint. I started paying on my student loans back in XXXX at the time I excited college I was able to lock the loans into 20 year loans. My payments have stayed the same over the years. From XX/XX/XXXXthrough XXXX I went back to school and the loans went into deferment ( automatically ) and I paid interest only on these loans. After graduating I started paying in full again and I assumed I would add two or three years onto my loans and continue paying the terms were I left off. 

The last few years I have been noticing that I have not benign paying down as much as I though I would be since I would be almost halfway paying off the loans. I started doing some math and Navient changed the terms of my loans from 20 to 30 years. Though I have been paying the same payments ( set on auto schedule ). 

I have called Navient several times and get a very limited response most of the time Navient hangs up on me when I press of answers. From what I can figure out there was some error somewhere and they switched my loans to 30 years and I have been paying extra interest vs paying into principle. I can figure this change happened from XXXX XXXX transferred my loans to Navient. 

This is very enthical and I hope illegal. I can not seem to prove this to Navient and I need some help because it is to the point where I should be seeing the light at the end of the tunnel for student loans vs 18 more years to go.
Consumer complaint received 2018-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (GA)

Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by XXXX.
Consumer complaint received 2022-08-22
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXXXXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (OH)

For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law. 

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law. 

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2021, I purchased {$1500.00} worth of usd coin on Coinbase. The transaction has been stuck on pending ever since, though I have yet to recieve any help despite my bank account being charged for the sum. Ive created multiple tickets without any replies.
Consumer complaint received 2022-01-06
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. (TX)

I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-06
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: CURO Intermediate Holdings (FL)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY SERVIC for committing identity theft. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AD ASTRA RECOVERY SERVIC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTRA RECOVERY SERVIC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY SERVIC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY SERVIC continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY SERVIC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (FL)

This debt collector by name Medical Business Bureau MBB, did not provide a right to dispute in the collection notice they sent to me. They claimed they have removed one of the alleged debt account but they need to also remove the remaining four. The reference numbers are XXXX, XXXX, XXXX and XXXX. They have also not validated any of the alleged debt accounts just listed, despite the attached certified letter to that effect, which by the way they received over 45 days ago.
Consumer complaint received 2021-11-05
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. (LA)

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I believe was XXXX bill was XXXX but then I bought something and returned it fully refunded. Now my bill is XXXX. My bill should be XXXX still since return was processed. I think the bank is stealing.