davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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. (CA)

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-10-04
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. (NV)

XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, Equifax and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-24
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -- ->Date opened -- -- ->XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>Date opened -- -- ->XXXX XXXX, XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXXXX/XX/XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXXXXXX, XXXX XX/XX/XXXX XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXL -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX, XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXt XXXX, XXXX XXXX XXXX XXXX   XXXX -- ->Date Open -- -- >XX/XX/XXXX XXXX, XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Chime closed my back account XX/XX/2021. I reached out to them asking for my remaining balance to be sent by check several times. I was not able to talk to anyone regarding this matter. I have been trying to figure out what to do. I'm hoping someone can help me get my funds or lead me in the right direction on how to move forward. I just want them to send my remaining balance that was left in mt account. I am aware that they can close my account due to their rules, process or procedures but I will not allow them to take my money from me. Please assist.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

There were multiple fraudulent charges that were being charged from my card that I was completely unaware of until I noticed my account had significantly started to decrease very quickly. I had submitted the disputes with PNC bank thinking it was going to be handled appropriately but instead in less than 10n days, I had received no correspondence from them by telephone, mail OR email which they have the information to all three where they could've contacted me to get more info or however they needed me to cooperate. My claims have all been denied and I SERIOUSLY doubt that they were able to properly investigate over {$20000.00} in a matter of 9 ( business ) days to come to a decision that the claims will be denied. Again, I have yet to receive any correspondence from them nor have I received my new debit card in the mail thats been well over 10 business days. I submitted these disputes on XX/XX/2021 and was told the claims were denied on XX/XX/XXXX and ONLY knew that because I was the one that had to reach out.
Consumer complaint received 2019-11-02
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)

According 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 your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : ) XXXX
Consumer complaint received 2020-11-30
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. (NY)

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on equifax, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

I purchased online 4 car wheels which had defects from a merchant. I requested the merchant send me a prepaid shipping label to return those wheels but they refused, I then submitted a dispute through my credit card bank to help with the dilemma. My credit card bank did not obtain a pre paid shipping label from the merchant so I could ship the wheels back without any expense, since the wheels were defective and of no use to me. Thank You
Consumer complaint received 2021-03-26
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: Westlake Services, LLC (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019.

WESTLAKE SERVICE INC, Inquiry : XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquiry : XX/XX/2019.
Consumer complaint received 2021-09-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. XXXX and Equifax respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither XXXX or Equifax have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than XXXX.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NC)

SIMONS AGENCY INC. stated, Our office was retained by XXXX XXXX XXXX for an outstanding balance due them. The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. My question is, if I owe this alleged debt to Summit Medical Group, shouldnt I be paying XXXX XXXX XXXX instead of SIMONS AGENCY INC? How do I owe XXXX XXXX XXXX? Furthermore, SIMONS AGENCY INC is violating my right to privacy as a consumer. I never gave SIMONS AGENCY INC my information so they bought it along with this alleged debt that theyre trying to make me pay. It sounds like SIMONS AGENCY INC already paid for it, which is not my problem. I will not pay anything. Im not SIMONS AGENCY INC client nor do I wish to do business with them. SIMONS AGENCY INC claim they never had a conversation with me but stated, The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. Again, I am not SIMONS AGENCY INC client but that was COMMUNICATION. On XX/XX/XXXX that alleged validation did not include the 5 requirements pursuant to 15 USC 1692g. Im not obligated to pay this alleged debt. From my understanding, SIMONS AGENCY INC already paid it. So how do I owe SIMONS AGENCY INC? Who is SIMONS AGENCY INC and where is this alleged contract or agreement with my WET INK signature with SIMON 'S AGENCY INC? The fact SIMONS AGENCY INC want me to resolve the still outstanding balance is obscene and profane language to me. I do not owe anything nor will I ever pay SIMONS AGENCY INC. According to 15 USC 1692k civil liability, SIMONS AGENCY INC owe me for the violations and damages against me. I expect my check in the mail within 30 days.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: BARCLAYS BANK DELAWARE (PA)

I'm having heavy fraud. Noticing someone use my name in married form. I am single. I have no marriage in any state across the country or world. It should be XXXX XXXX XXXX anything else please run a report on both sides. I'm still without my finances and means to provide for my kids and myself.
Consumer complaint received 2019-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP (NY)

I started with KeyBank for a personal loan and they keep changing what they were going to do for me. The loan process took over four months to get and that was because I was on the phone every day with them. They would not tell me when they need paperwork and kept delaying the loan. The loan was finally finished after causing great hardship on paying on some of the debt that was being consolidated. Then when I thought everything was done, checks were returned because KeyBank mailed the check to the wrong address. Took them almost 2 months to do something about the check going to the correct address and that is only because I called and provided the correct address. XXXX in the corporate office was useless and told me that nobody was above him within KeyBank to talk with. I spend weeks, days and hours doing the work for all the KeyBank employees that I was dealing with. Now that the loan is set, I paid a {$1000.00} payment in XX/XX/2019 to go directly onto the principal of the loan. I have now found out that KeyBank has suspended that payment and using that payment as my monthly payment. I was told that this is not legal to hold payment in suspense. I was also told that if I make any extra payments on this account for the principal that will be held for the regular payment. I was told that payment will be pulled on the XXXX of every month and I can make any extra payments that I want and now that is not true.
Consumer complaint received 2021-10-05
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NE)

Today XX/XX/2021, I received a notice from XXXX XXXX XXXX that I owe {$940.00}, reference XXXX. It indicates the original creditor is " PayPal/PayPal ''. I only charge {$78.00} for payment by PayPal, and have automatic payment on balance due. XXXX XXXX XXXX is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted PayPal. I have been unable to make contact with XXXX XXXX XXXX. I have file complaint with Nebraska Attorney General. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2021-10-05
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: Synovus Bank (MI)

SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!!
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I ( XXXX XXXX ) with account ending in XXXX sent a claim to : Chase Amazon Claim Services. In regard an unauthorized charge for amazon.com. Order XXXX. Order date XX/XX/2021. Dispute Amount : {$140.00} USD. 

However, I have not received my credit back. For this reason, I appeal to your help to resolve this issue. I did not authorize this charge to my credit card, and They have not give me my credit and money back. Consequently, I am paying that debt and that fraud plus interest. I am a XXXX person and I have no money to pay for the theft they are doing to me. So I ask you to fix this fraud with Chase Bank and Amazon, to return the money that I have paid, and to get back my Amazon account, due that although I am paying, they cancel my account.
Consumer complaint received 2019-10-31
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. (TN)

I have contact Equifax numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, Equifax and XXXX  still report the accounts. Also XXXX XXXX closed the account on behalf of XXXX  cause because I sent the proper documents to prove it was an fraudulent account, Equifax still list this debt as well.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (MA)

This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

They tricked me saying I was paying my dues for almost a year but actually I was paying only the interest so now they add me more than 50 % interest in my old loan {$7000.00} original loans {$4500.00} my paying {$10000.00} my actually loan
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I NOTICE A DEBT NOT MINE AT ALL ON CREDIT REPORT> XXXX XXXX XXXX ACCT # XXXX MEMBER CODE : XXXX {$99.00} XX/XX/2019<>XX/XX/2019
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NJ)

I made a balance transfer of {$5000.00} on XX/XX/XXXX with a promotional rate of XXXX which expires on XXXX XXXX. 
On XX/XX/2021, I made a purchase of {$5500.00}. 
On XX/XX/2021, I made a payment of {$5000.00}. 
The minimum payment was {$56.00}. 
The overpayment was applied to the balance with the lower interest rate. 
{$4900.00} should had been applied to the balance with the higher interest rate. 
I am now paying 18 % on a balance and my promotional rate balance is XXXX.
Consumer complaint received 2020-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (IL)

This complaint is against paypal credit I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call
Consumer complaint received 2020-11-29
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: EQUIFAX, INC. (NC)

EQ shows a lot of inquires I did not make. I would like to know how this happened when there should be a fraud alert on my file stopping these. I wasn't contacted to obtain any new credit.