davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (SC)

I have no idea why and I 'm tired of equifax doing this because none of the other credit reporting companies are doing this to me. I checked my credit and it said I had I had THREE alerts. 
1 " File blocked for promotional purposes ". I have no idea what that even is! 
2 " Credit report lock in place ''. I did n't lock my credit! 
3 " Extended fraud alert ''. I never wanted ANY alert So I would like to purchase a vehicle but with equifax I ca n't because they have my credit blocked!
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (LA)

I have, continuously, tried to dispute XXXX items on my Equifax credit file that they refuse to remove or properly update. The situation started when I financed a car through XXXX XXXX XXXX ( XXXX they also go by a variety of names such as XXXX ). I was in an automobile accident. This car was paid off between the insurance of the at-fault party and the gap insurance provided by XXXX. However, there was a catch with the gap, the gap would pay off the balance of the other car, only if I financed another one with them. I agreed and was forced to buy their gap and extended warranty. The car has significant trouble with the transmission and engine. They offered a replacement. This was not supposed to be new loan, just a replacement. This new car left me stranded XXXX miles from work and XXXX miles from home. I made numerous calls concerning this automobile. I called numerous times about the stranded automobile. After a couple of months, they finally got me a loaner car, which I had for only a couple of weeks. I continued my payments. I did not know that they placed XXXX collections and XXXX account as " pays as agrees '' and none being paid off on my credit file, until recently. The charge off dates could not be accurate as I paid my payments in accordance to the agreement that was started XX/XX/XXXX. These were not supposed to be separate accounts ( XX/XX/XXXX and XX/XX/XXXX ). I am currently researching my past bank accounts where payments were made ; however, I am attaching a XXXX XXXX receipt from a payment made after they claim there was a charge off. This payment was made on XX/XX/XXXX, which is after the charge off date reported as of XX/XX/XXXX. The accounts also seem to overlap, looking as though I had the XXXX accounts open at the same time, when XXXX car was supposed to just replace the other. The creditor sometimes appears as XXXX XXXX or XXXX XXXX XXXX. I think the multiple names are an intent commit fraud or something. Please help. I want these charge offs off my credit. Actually, they should be marked as paid. The first account needs to be marked paid as well.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Bureaus that took place on my credit record. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask that the Credit Bureaus to provide me documentation regarding the precision of the items in question. I need the Credit Bureuas to please conduct another investigation into the accounts below. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Reporting Agencies will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

I was permanently banned from using Paypal account after I tried contacting Paypal about how I was unable to receive funds from a client. I was told that my Paypal has a high potebtial Risk attached to it. I want to kindly plead witb Paypal for a review as I have done no activity that guarantee such as treats. As this cause me not able to receive funds from my clients which I work with as a seller of digital goods like ebooks.
Consumer complaint received 2022-10-01
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. (CA)

Hi, I have made late payments before with the following companies below : - XXXX XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX. 
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-04-28
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. (TX)

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There are HARD inquiries being reported from the following companies on my credit and Experian is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.
Consumer complaint received 2023-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC Bank advertises the ability to convert your HELOC to a fixed rate product on demand with a {$100.00} fee. What they fail to disclose is that at the time of conversion to the fixed rate product, they will 1 ) prorate interest on both sides ( variable and fixed ) according to the days in the month, which makes sense, and 2 ) collect full principle payments in the month of conversion. In practicality, on a variable rate HELOC, my monthly payment was {$3000.00}. On a fixed rate HELOC, it was reduced to roughly {$2600.00}. During the month of conversion from variable to fixed rate, my minimum payment due jumped to {$4700.00}.

I have escalated this with PNC Bank several times, including claims that both this is a predatory practice, as well as that collecting double principle in the month of rate conversion is not mathematically correct. After 5-7 days, I received a voicemail from a supervisor stating the payment is correct and to please contact the call center for questions ( they haven't been able to help... ).
Consumer complaint received 2016-05-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper
Consumer complaint received 2020-08-18
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (FL)

We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.
Consumer complaint received 2023-02-01
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-10-01
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. (FL)

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 he information is inaccurate.