davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Consumer complaint received 2022-10-12
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. (SC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-12
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-10-12
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX Equifax, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-12
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. (AZ)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2022-10-12
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 (WA)

My XXXX XXXX has a fraud transaction and I called them 5 times try to report the fraud. Every time the staff were saying previous staff didn't mark it correctly and they will remark it as fraud. But it's been 5 months and no investigation going on.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (MD)

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt
Consumer complaint received 2021-03-12
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: U.S. BANCORP (FL)

On XX/XX/2020 I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, FL, for a COVID test. On that day, I provided my health insurance card because they were in Network and my copay should have been {$20.00}. They told me that I was out of Network and they charged me {$150.00} using my XXXX XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/2020, I contacted my Insurance Company ( XXXX XXXX XXXX ) to inquire about my coverage and was told that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) should have only charge me a {$20.00} copay. The insurance company paid XXXX XXXX XXXX {$110.00} in network provider fee. I contacted both the XXXX XXXX XXXX and XXXX XXXX to get reimbursement because my credit card was overcharged in the amount of XXXX. Please see all documentation showing that XXXX XXXX was paid {$100.00} on the " Explanation of Benefits Form '' on XX/XX/2020, and was paid Electronically. XXXX XXXX denied my claim to get my {$130.00} overcharge. XXXX XXXX claim that the case had no merit. See attached all correspondence regarding my complaint. Please reach me at XXXX if you need additional information.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A. (NC)

trying to make a payment to sessoms and rogers lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (CA)

It seems like there has been a trail of loan fraud and title fraud dealing with the vehicle I purchased in California and somehow XXXX did something with the title after it was sold. I have not been able to renew my title registration or sell the car which I had planned to do back in XXXX of this year. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX https : XXXX Westlake Direct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : //www.westlakefinancial.com/
Consumer complaint received 2021-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I have a private loan by navient in the amount of {$27000.00} that i should not be paying. I attended XXXX in which the school had closed in XXXX do to defrauding students. I didn't even know i had a private loan out in my name from XXXX until 9 months ago. In XXXX of XXXX department of education took action and preventing new students enrolling into the school. On XX/XX/XXXX the school was officially closed down. XXXX XXXX XXXX charged among the highest tuition fees in the industry. It also had the industry 's highest rate of loans that went into default within two years of attendance. Starting in about XXXX, XXXX XXXX came under fire for questionable practices. The allegations included high-pressure recruiting tactics, falsified paperwork, high default rates on XXXX XXXX student loans, and inadequate educational standards. XXXX XXXX and the department education know XXXX defrauded students that they are giving them debt relief on federal loans when filing a XXXX. It should also go for private loans as well. why should I be responsible for a loan when XXXX closed down for defrauding students.
Consumer complaint received 2022-10-12
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Someone withdrew {$1600.00} from my checking account using XXXX. I dont use XXXX . Dont know how to use XXXX XXXX Or even what XXXX is. But the money was withdrawn from my account without my permission or knowledge. The bank states I knew about it and I was involved in the withdrawal. This is wrong. I have tried to appeal the decision but was told it can only be reopened with new information. I dont have any new information. I only know it wasnt me or authorized by me. And now Im out the money. I feel like my bank is stealing from me as well. Isnt my money insured. Im not sure what that means but I need my money back.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

So I Sent a Letter Off On XX/XX/2022. Here is my reference # XXXX. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2022-10-12
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. (MO)

I submitted a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  Balance : {$4800.00}
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/2020 I received a total of {$13000.00} from a family member. This money was for my school tuition. 

On XX/XX/2020 the money was transferred to a bank account through PayPal in which I do not own. 

I immediately called PayPal, filed a dispute, and was denied. Showed proof that it wasnt my bank account and someone else transferred it, not me. 

PayPal is of no help and refuses to refund my money because of their lack of security and investigation. 

PayPal is a SCAM company who doesnt care about their consumers.
Consumer complaint received 2018-03-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (PA)

I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

No one has been able to access my credit report with Equifax since sometime before XXXX. Other bureaus are fine, theirs says code NH. I can not open a my equifax file for the same reason. I have spoken to the reps and they have not helped, they just tell me to open a my equifax file, which I have explained I have tried and can not. I have tried to explain that I have been trying since XXXX to fix and they are now saying there is a freeze that they will lift, but that is still not fixing the issue. This creates issues as my credit can not be pulled, even by me, and trying since XXXX to fix has not helped. I need a resolution on this and they have not helped at all even though this is a problem on their end.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-03
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. (NV)

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. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX  XXXX ( Credit Card )
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

According to the FDCPA, under law 806. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Harassment or Abuse, the company Spire Recovery Solutions contacted me two times on the same day XXXX XXXX without my permissions and even after asking them to tell me who they were and they did not want to tell me. 

Under law 807. False or Misleading Representation, ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The company Spire Recovery Solutions stated that they are working on behalf of an attorney, but they are not. They are just debt collector.
Consumer complaint received 2022-10-12
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. (AL)

After several attempts to get this matter resolved, XXXX XXXX XXXX still has a collection on my credit report while they are not able to provide 1 ) A copy of the original application which includes my electronic signature 2 ) Full payment history from the original creditor 3 ) The original purchase agreement that shows that they legally own this alleged debt that provides the name and address of the original creditor. Since they can't provide these items, that is proof they can not legally collect this alleged debt. Secondly, XXXX XXXX XXXX is NOT licensed to collect debt in the state of Alabama. Section 604 A Section 2 of the FCRA states a consumer reporting agency can not furnish an account without my written instructions. I have at no time sent any reporting agency my written permission and they are not able to prove that I have. Section 15 U.S.C 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

I received a call from a collection agency called CBE stating I have a outstanding account regarding XXXX  XXXX more than 8 years ago. I had settled and paid 9 years ago my debt with another agency. 
Now several years later I receive a call from CBE stating I still owe and they are a third party that the debt was sent from XXXX XXXX. 
I called XXXX  XXXX  which is now XXXX  and said they dont have anything open. 

They ( CBE ) want to charge me the same amount as 14 years ago {$730.00} I advised them this is a scam and I have checked my credit report and this is not appear of anything delinquent including this has been more than 10 years This needs to be investigated https : //www.cbecompanies.com/cbegroup