davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (PA)

1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 
2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 
4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 
5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 
6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 
7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc. (LA)

Call my workplace at least XXXX a day after I have told them that I can not have calls at work. They have not identified the name of the company where they are calling from, so I only have a telephone number.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

Experian IS REPORTING CREDIT INQUIRIES THAT SHOULD BE REMOVED AFTER XXXX YEARS, THESE INQUIRIES ARE AFFECTING MY CREDIT SCORE AS I WOULD LIKE TO BUILD MY CREDIT. REMOVE ALL INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I am filing a complaint against Experian for reporting an account that is not mine on my credit report. The account in question is a XXXX account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my Experian report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX or XXXX, which is further proof that it should not be there in the first place. Experian should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
Consumer complaint received 2015-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

I became a victim of ID theft in XXXX when my Identity was compromised. I believe that XXXX or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX now XXXX XXXX XXXX.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

After very a very lengthy Loan Modification with Flagstar Bank, I have came out worse than when I started. 
During the loan modification, per regulations, Flagstar hired an independent company to check the vacancy status of my home. I was/am currently living in my home ; however, Flagstar stated that it was reported vacant. Not only did they report it vacant, but they again hired an outside vendor to come to my house and change the locks. My neighbor called and stated somebody is in your home. I called the police and did make a report of the situation. Upon returning home, my home locks had been changed, my home was " winterized '', my back door was boarded up and damaged, and all my things had been rummaged through. Flagstar simply said that my house was reported vacant. ON SEVERAL OCCASIONS I told them I LIVE in the home. My loan requires me to live there or I can not re-finance. If it was vacant I would not have been able to complete a modification. Even more, Flagstar made a claim with my insurance company stating wind damage had damaged the roof. This claim was denied by my company due to meeting the deductable. 
For an entire 3 months I had my yard mowed, several signs hung on my door, and the final straw was having BLACK TAR placed on my roof. At this point I hired a lawyer and we are currently preparing a lawsuit. 

My modification was completed ; however, my payments were increased due to taxes and a shortage of Escrow. Not only this, Flagstar now has added a what they call " Total Advances '' fee to my mortgage totaling {$4900.00}. When I inquired about this, they stated this was the cost of refinancing and does not have to be paid immediately. They stated that the total amount would stay on my statement until I sold the home or paid the amount due. It clearly states in my modification packet that all fees and dues have been included in the modification by Flagstar. Why is there a {$4900.00} fee and why is my mortgage going up due to a shortage of Escrow. This was included in my modification. 

Since modification was complete, I have followed through with the claims from my insurance company to obtain a new roof due to the amount of damage FLAGSTAR sub contractors caused. I simply had my insurance company come back out and re-assess the damage. A claim was approved this time. In turn, this has increased my insurance and respectively increased my mortgage. 

The worst part about this whole process was trying to speak with Flagstar to avoid these issues. Each time I called I was transferred to Loss Mitigation, Claims, Insurance, and Default Services. None of them could tell me why preservation crews were coming to my house. They even advised they would put notes into the system to advise the preservation department to stop coming. Of course, this did n't stop them.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.
Consumer complaint received 2015-05-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (GA)

PayPal enrolled me in PayPal Credit without me knowing that they had enrolled me and when I made a purchase it went on the PayPal Credit account instead of my regular PayPal account which is hooked up with my XXXX I later tried to purchase antivirus for my computer and it would not go thru then I find out I owed PayPal Credit {$75.00} I have a XXXX of problems with this. 
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank reported my Amazon.com retail card as 30-days delinquent to XXXX in XXXX 2013, even though the company has previously admitted fault via telephone that they may have made a mistake in sending the statement, which led to my missed payment. Synchrony has removed the delinquent mark on XXXX 's file, they should remove it on XXXX 's file as well.
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: BARCLAYS BANK DELAWARE (FL)

This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (GA)

I have received numerous calls from this # stating i owe a debt ; when call back must wait 10 min. to leave message to send a written bill & DO NOT CALL ME AGAIN! They persist. Can not understand the caller when I 'm able to answer. I do NOT owe ANY debt I am aware of! Why have I not received a bill in mail? On web, this # is dubbed telemarketer.
Consumer complaint received 2016-01-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (VA)

I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. 
- The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (MS)

I have received XXXX debt collections letters from XXXX XXXX XXXX stating I owe {$2500.00} to XXXX credit. The address they have for me is incorrect, but our mail delivery person knows me and puts it in my mailbox anyway. I do not have a XXXX account, I never have. I have checked my credit reports and they show no debt.There are several hard inquires that I did not authorize or request. After the first letter, I sent a response to the collection company stating I did not authorize or acquire this debt and it was either a mistake or a scam. I would like this company to stop contacting me, and I would like all the hard inquiries on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015 removed for my credit report.
Consumer complaint received 2022-09-21
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. (FL)

CFPB + Equifax, This is in regards to my Equifax credit report dated XX/XX/2022 - my name has a wrong variation I want corrected. 

Attached to this complaint is : - my drivers license - my social security card - my address- my dispute letter - screen shot where its located Please correct the spelling and variation of my name as soon as possible.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ZALES/CBNA ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2023-02-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-01
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. (NJ)

I was told to submit another complaint with dates involved. There was an initial transaction on XX/XX/XXXX for XXXX XXXX  with Amazon.There is repetitive charges after that for like XXXX transactions with Amazon. I didn't know or authorize this going into XXXX XXXX XXXX
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

In XXXX 2011 while visiting a relative in Wisconsin, the relative took me to XXXX for the purpose of buying a swimsuit which I did. Due to departure date, this item was not used and relative agreed to return this item for me which she did. Billing statements were NEVER RECEIVED!!! CREDIT BUREAUS SHOW THAT XXXX REPORTED XXXX ( XXXX ) LATE PAYMENTS IN 2011.