davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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. (MD)

XXXX, XXXX  and Equifax : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, XXXX  or Equifax ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, XXXX  or Equifax to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, XXXX  or Equifax, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, XXXX  or Equifax to create a report or file to furnish to creditor or alike. I did not give XXXX, XXXX  or Equifax the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, XXXX  and Equifax falsely claim to have authorizations to create credit reports and files. XXXX, XXXX  and Equifax shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld Systems , Inc. is attempting to collect a medical bill that I paid months ago. I offered to forward them the receipt that was emailed to me when I paid the bill, but they said they wouldn't accept that and would only accept a fax.
Consumer complaint received 2017-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Thank You,
Consumer complaint received 2021-04-26
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 (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I have over {$5000.00} sitting my PayPal account and they told me I will need to wait 6 months to get the funds out. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' I really need my money for personal finances and to pay my mortgage. Please help.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -
Consumer complaint received 2021-04-26
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I sent a certified letter to Chase Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

On XX/XX/XXXX I received a letter back from Chase Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/XXXX I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/XXXX stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Chase Mgt failed to delete my account from XXXX Credit Bureau 's.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/21 the amount of {$5600.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law. 
XX/XX/21 the amount of {$3300.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and Equifax is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX  XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Consumer complaint received 2018-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (NC)

I used XXXX XXXX as a credit monitoring service. On XX/XX/XXXX, I surf through the XXXX XXXX website for car rates. Unlike many credit monitoring services such as XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX actually have you check car rate with a possible hard pull. The verbiage was totally misrepresented and wrong on so many levels. However, I was approved for two loans that I was unaware that I had applied for. One was through XXXX ( hard pull inquiry on credit report ) and the other through XXXX ( Soft pull inquiry on credit report ). I was aware that a hard pull would take place, but only if I had applied. I was checking for car rates, which was what I clicked. At that time, there was no apply or apply here or apply now. I was mislead into believing that I was searching for rates which normally would not require a hard pull. I check for car rates all the time but never received a hard pull until XXXX XXXX. To me, this website lured me to a loan that I did not apply for which expires XX/XX/XXXX. The amount that I was checking for was {$26000.00}. I was approved for {$18000.00} at 16 % with RoadLoans.com which would have been acceptable with my credit score. I received an alert from the credit bureau XXXX that an inquiry was placed on the report. It never occurred to me that I was applying for a loan. On the same day, I contacted XXXX spoke with XXXX ( pronounced XXXX ) to cancel the loan requests. I was informed that that the loan requests will not be cancelled until XX/XX/XXXX expiration date no cancellation request required. Additionally, I ordered a copy of the Credit Report. As soon as I received the report, I contacted XXXX to dispute the XXXX ( XXXX XXXX XXXX ) inquiry. A rep suggested that I contact the creditor, so I did contact XXXX and was referred to XXXX   XXXX. I then spoke with XXXX at XXXX XXXX due to being, I feel tricked, he directed me to XXXX   Credit Agency and stated that usually some of these companies are ready to prepare a check after approval. He transferred me to XXXX who stated she would attempt to assist me on trying to help me remove that inquiry and will call me back the next day on the status. There was no call back the next day and I have an inquiry on my report that I did not authorize. I did not fully understand that even if I did not click on an apply button that it is likely that an inquiry would show up on my report. I will never check rates with XXXX XXXX again. I will not recommend and discourage the use of this website to my friends, family and anyone I can thank of. Application ID # XXXX
Consumer complaint received 2019-02-19
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 am in the XXXX  and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare. 
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Equifax online dispute process has a known issue with consumer access to dispute results and experiencing " Technical Difficulties '' I tried multiple times to access my dispute results online but the system is not working. I tried calling an agent but Equifax was having computer outages. I requested a callback but Equifax could not verify the number they would be calling from, saying it would be a private number that returned my call. I requested my Equifax credit report on XX/XX/19 along with XXXX  and XXXX through XXXX XXXX @ XXXX. I have received both XXXX   and XXXX report in a timely manner but Equifax has not sent my credit report. Additionally, I have requested the dispute through mail on XX/XX/19 but have not received it. On XX/XX/19 I was informed through an online chat with Equifax representative I only have 30 days from the date of the dispute results to reply with additional information. The dispute results were completed on XX/XX/19. I have neither a copy of my Equifax Credit File or the dispute results. The option of reviewing my credit file with an Equifax representative telling me what is on the file by phone is absurd.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized the inquiry.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-05-30
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. (AR)

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 XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

There is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX  and Equifax also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and Equifax for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.