davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Consumer complaint received 2019-09-13
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. (FL)

Equifax has my name sabotaged. They are having everything I apply for denied. Stating delinquency credit card balance too high late. But I dispute them for letting my information. Get hacked in the data breach, they are doing nothing. I have recieved a Letter from them Stating I have no credit e file I have not use any credit in 10 years and trying to make it look. Like Im XXXX. So I applied for a small loan that same day it was denied with information form Equifax. But they just wrote me starting I have no credit file and no history with them. This is a disgrace I am being blocked from credit by Equifax but they never protected my Information and let an unknown data breach occur.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I have a debt with Jefferson Capital LLC. They bought my original debt from XXXX XXXX. The original debt amount is XXXX. Today XXXX I called Jefferson Capital to settle my debt. The rep whos name was XXXX talked to me. He read me disclosure, reparated debt to me and asked if I could pay full amount I said I dont have full amount but I could pay XXXX. He checked with his imaginary manager and said ok. He asked how would you like to pay. Before I decided to pay I asked for a settlement letter by email so that I can have in writing our agreement. He said his company dont do that because of the offer was not the original offer and after I pay Id get an email within 24 hrs. We went back in forth. I end up  hanging up after he kept lying to me saying he couldnt provide a debt settlement letter. I need help with this issue and for them to provide me with the debt settlement letter in writing for the XXXX so I can pay and move on.
Consumer complaint received 2022-09-16
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. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NV)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (VA)

I applied for a Home Depot credit card on XX/XX/2021, I did not know that for receiving only {$500.00} credit limit they do hard inquiry on my credit report, when I found out I called them and asked for more credit limits to worth the damage which was -16 point on my credit report ; they told me there would be another hard inquiry for increase the limit ; so I refuse to do that. 
Today I found out that even my fiance 's credit report also got affected by home depot credit card, however he is only the authorized user on that credit card!!!!. We were trying to refinance our home which because of this inquiry we did not approve and I decide to reach your help to sort out this hard inquiry on our credit report.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

This is about Paypal, i am probably not the first to complain about them they have accepted an amount of {$930.00} from someone who sent it to me they refuse to release it by the normal bank transfer or by a mailed check i have been using them for about 15 years with no problems apparently they need me to sign up for a new type of account the requires much more personal and financial info that i am not willing to give my contention is : if they needed this to complete any transactions for me then, they should not have accepted money on my behalf regards XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I was having some financial difficulty in the summer and fall of 2019 due to some natural disaster issues with my crop and property, tariff wars, etc ... Insurance covered the losses, but it was taking time. When I spoke to my student loan servicer about late payment they explained that late payment was not going affect my score. When I checked my credit report, two late payments are showing. i called the company to explain the urgency of a refinance and they said there was nothing they could do. I tried to talk to their credit department, but was told they don't accept calls. I asked to speak to management, waited on hold for quite some time, until I was told a manager would return my call, but I never received a return call.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I contacted citi bank that a hacker had contacted me asking about a transaction made in XXXX and got all my information. This was with a citi bank phone # and they even sent a text message via the same text thread I get from Citi bank. When I got back to the office 5 mins later I realized via email from citi that a hacker accessed my online account and transferred out all my funds in my account. The hackers even changed my phone # on the account and I was over 4 hours on the phone with citi bank trying to resolve this problem. They said I needed to file a FBI report as well as a police report, I did this same exact thing that day. I then had to go into citi bank since they froze that account and said I now needed to open a new account. I HAVE NOT RECEIVED ONE LETTER FROM CITI BANK ABOUT THIS SITUATION. I went to the bank this Saturday and they still have no update on the situation and just told me the same thing to call back later in the week that these situations take longer than 90 days at times. Im so upset on the way Citi bank has left me in the dark the entire time with this situation I literally have to go into the bank because over the phone they tell me my account doesnt exist. I am a single mother who is now falling behind on all her payments due to citi bank being negligent and not even updating their loyal customer for over 10 years on this situation and how it would be handled.
Consumer complaint received 2021-07-19
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 ()

Paypal closed my account in 180 days for no reason. I can't transfer my XXXX peso to my bank account. It's been 1 month since I reported this issue here but there is no help or action from the company. Please I need my money back. I badly need it. I hope that it will resolve. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

I did a chargeback on XX/XX/2022 and was told that the institution only mediates because of the type of transaction ( contractor that didn't do the work ) and they could not take the funds back but only mediate and ask for the funds voluntarily. I elected to file in small claims since the contractor had stated he would distribute a charge back. Here 's where things get messy. I received a letter from the attorney of the defendant on XX/XX/2022 saying I'd been fully refunded and had no grounds to sue. For 2 months I had asked for progress or if the company had responded and just kept being told i had to wait for the 90 day investigation to conclude. I found it ridiculous that I couldn't be told if there had even been a response. I submitted the letter and ask for it to be verified and no one seemed to want to address it ; just the same mantra of wait 90 days. I specifically asked on XX/XX/2022 and XX/XX/2022 if it were possible that the funds were taken and being held until the investigation was over. I was told no but that's exactly what happened. Not only that but it was done XX/XX/2022 and the case should have been closed after XX/XX/2022, the last day they had to contest. It's just a sea of incompetence that has left me in a legal bind.
Consumer complaint received 2021-07-18
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: WELLS FARGO & COMPANY (OH)

Wfds obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I found a charge on my XX/XX/2020 statement for an unauthorized charge of {$270.00} posted XX/XX/2020 from XXXX. I did not make this purchase and promptly reported it to Barclays for my Carnival Master Card. I had them issue a new credit card. In mid XXXX they sent me a letter stating it was valid charge. I called to find out how they came to this determination. I was informed that XXXX said it was valid. I then called XXXX about the charge. They could not find any purchase on my account for that amount. I was then asked to link the Carnival Mastercard to my account in order to open a case with their fraud department. Several days later I received an email from XXXX indicating fraud and to report it the card issuer. I sent a written letter to Barclays asking to reopen the case and look into my findings. They received this letter on XX/XX/2020. I have never received any communication back from my letter.
Consumer complaint received 2021-07-18
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: WELLS FARGO & COMPANY (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - Wellsfargodealersvcs XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MI)

On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.
Consumer complaint received 2022-08-19
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2021-07-18
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. (FL)

I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : 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
Consumer complaint received 2022-04-25
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. (TX)

In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 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 record of convictions of crime which antedates the report by more than seven years. 

ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

For some reason the 3 parent plus student loans that I co-signed for my daughter, XXXX XXXX XXXX, that were paid off in XXXX if XXXX are still listed on all my credit reports as still open. No one will correct it and it is getting very frustrating.
Consumer complaint received 2021-07-18
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. (TX)

Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all XXXX failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action