davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NY)

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. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. I talked to the furnishers and they agreed to not report the accounts on my file. They became XXXX  of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXXXXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

Paypal has permanently limited my access to my account and refunds aren't being processed to my debit card. PayPal would allow me to open disputes close the disputes in my favor then turn around and permanently limit my account and take my vouchers so I can't make another purchase. Then this company blocks my number so I can't contact them
Consumer complaint received 2022-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (VA)

I received e-mails today from 6 different companies stating my loan request had been denied but I did not apply anywhere for a loan so someone else is trying to get money using my information. 
The e-mails came from the following companies XXXX One Main Financial  Reference # : XXXX One Main Financial Reference # : XXXX UXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When my XXXX auto lease was about to end, new dealership from XXXX offered to take over my lease and pay me the difference. After the lease was transferred to the XXXX dealer, not sure exactly what happened, but the credit report says that I did not make the monthly payment in a timely manner. So it hurt my credit score as the record says I missed XXXX months of payment. Please see attached for the record of the release of liability.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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/2022, 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 XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my third and FINAL written request for you to comply with the law regarding the following derogatory account data which is clearly unverifiable. I have every intention of pursuing litigation in accordance with the FCRA to enforce my consumer rights and to seek full relief, recovering all monetary damages that may be available to me under Sections 616 and 617 for your continued willful, negligent noncompliance and blatant disregard for the law, regarding the following account data ( including, but not limited to, payment history and payment statuses ) :
Consumer complaint received 2018-11-01
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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (TN)

I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX   should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (AL)

Credit Management LP has entered a negative ( collection item ) into my credit file with the main 3 credit bureaus for a debt that I do not owe. This negative entry has caused a major decline in my credit scores for each bureau. 

I requested validation of debt from Credit Management LP ( letter attached ) and as of today 's date, I have not received any form of validation from this company. I have attached a copy of the validation request letter that I sent to Credit Management LP, via certified mail. 

Rather than validate the debt and communicate what is required of me to assist with clearing up their records, this company entered negative and damaging information into my credit file. Validation of debt was requested because I know that all monies owed to XXXX XXXX were paid directly to XXXX XXXX.
Consumer complaint received 2022-07-27
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)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (GA)

I Sent a letter off on XX/XX/2022. With tracking number. To remove personnel information that I do not 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 is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (MD)

On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank. 

On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM. 

On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees. 

I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of them.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. 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 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was tricked into sending money using Zelle. Two different amounts to two different accounts. Probably wouldve kept going if I didnt finally figure it out. The amounts were {$200.00} and then {$250.00}. It all happened the evening of Sunday, XX/XX/2022. I immediately called my credit Union ( XXXX XXXX ), and was only able to leave a voicemail. The next morning ( XX/XX/XXXX ) I went directly into my local branch to report the scam. I provided screenshots of the conversation with the thief, and the email exchange I had with the fake Zelle agent ( s ). Basically the scam went like this : I was selling an item on XXXX XXXX. An interested party inquired about it, and wanted to immediately send me money for it. I was selling my item for {$240.00}. I then received an email that looked like it was from a Zelle agent, saying that someone was trying to send me {$240.00} but that I was not allowed to receive more than {$200.00} without a business account. So in order to upgrade my account to a business account, I had to send the Zelle agent {$200.00}. I did that and then there was some kind of refundable deposit I needed to fund my new business account. Yes I feel dumb now, but he got me to send another {$250.00}. And since the total of the second fee he was trying to get me to pay was {$500.00} ( {$250.00} that night and {$250.00} the next morning ). I started getting suspicious. I then XXXX zelle sending limits, and saw {$500.00} not {$200.00}. Also the XXXX XXXX of the person was somewhere in XXXX. Anyway, I reported to my credit union promptly, and reported it to Zelle on their website. Havent reported it to the FBI cyber crimes site yet, although I tried once, but the site wasnt working. Is there any way to get my money back or track these thieves down? My bank just said the other party denied my claims for the 2 amounts. So now Im coming here for help. Please let me know if you need my screen shots and the fraudulent Zelle agent emails.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

Affirm ( XXXX XXXXXXXX XXXX ) ignored a request for a dispute, after attempting to file a dispute for a loan with Affirm, due to an issue with the merchant XXXX property manager. The service that the loan was taken out for was never used. XXXX refused to issue refund so we attempted to file a dispute with Affirm. Affirm initially stated that the dispute was in process then deleted all evidence of the initial dispute. Affirm ( XXXX XXXX XXXX  ) is attempting to hide evidence of customers requesting disputes. It was not until I called Affirm ( XXXXXXXX XXXX XXXX  ) and threatened to file a formal complaint, that they then took my dispute once again. I do not trust XXXX XXXX Bank to conduct a proper dispute investigation in a partial manner. I am filing this complaint in an effort make sure that a fair and proper dispute and review is conducted and a refund of the full amount of the service purchased given. 

Affirm has closed disputes in the favor of a merchant on XX/XX/2022 without offering evidences as to why a dispute was closed in the favor of the merchant. Affirm will also not conduct a proper investigation, due to the fact that evidence provided by the customer is not properly vetted by XXXX disputes department. 

I believe that XXXX XXXX Bank is involved in predatory lending practices.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have reached out to XXXX 3 times in the last 7 months 1. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I explain to the customer service representative my situation that they are still reporting on my credit report but they tell me that ( they have no record of me in their system ). My lone was transfer to another lone company, but it still show open on my credit report with XXXX I have asked them to remove it, and to get connected to their credit department, but just get hung up on ever time.
Consumer complaint received 2022-10-25
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)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2022-07-27
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. (GA)

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$610.00}
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (TN)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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