davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DIRECMANAGEMENT, INC. (AL)

I submitted a dispute with XXXX on XX/XX/XXXX. Within the next couple of days the account then showed as being closed. The last time I checked on XX/XX/XXXX the Direct Management account was still showing as closed but now it is showing open without any explanation from them or XXXX. I was under the impression that one of both of these companies was supposed to give notice within 5 days if an a corrective action was reversed. I have not received anything regarding the reopening of this account for whatever reason.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-02
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)

These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.
Consumer complaint received 2022-12-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2018-05-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GREAT LAKES (WI)

In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again.XX/XX/XXXX, I signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXX/XX/XXXX has violated my rights in the amount of {$970.00}. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

In XX/XX/XXXX, Sallie Mae provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted Sallie Mae on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XX/XX/XXXX) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX credit summary. Please have this delinquency expeditiously removed from my XXXX, XXXX, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX Ref # 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C
Consumer complaint received 2021-06-02
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 (IL)

Paypal closed my account for no reason and will not help me with getting it back up and running. 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 months bit i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my paypal is XXXX XXXX
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! 
Here is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/XXXX
Consumer complaint received 2022-09-26
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-09-26
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: ENCORE CAPITAL GROUP INC. (TX)

midland credit acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reportXXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (MO)

XX/XX/XXXX This solar system that I purchased from XXXX XXXX XXXX XXXX The system is not performing or achieving electric bill saving as was expected. The installation was awful. We were wired wrong for several months. And when they got that finished. I think our system is to small for our house. We had to get a loan for XXXX. Then XXXX XXXX our pv link went out. We are running now. But now XXXX XXXX XXXX has gone out of business. So now we don't know where the agreement and upgrades stand with this company. Can u help. Tried to get help from them many times. There lawyers and all but everytime they want you to sign this horrible resolution agreement. I will not sign. Because it null and voids all the upgrades and service the system my need.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NV)

I applied for an Apple Goldman Sachs credit card last month. The sign-up bonus is that within 30 days of opening the card, if the spending reaches {$75.00} or more, my credit card account will receive a statement of {$75.00}. 

On the XXXX day after I opened the card ( that is, XX/XX/XXXX ), I spent {$790.00} to buy a mobile phone ( the credit card add {$75.00} to my account and 3 % cashback rebate {$23.00} totaling {$98.00} back to my credit card ) when I pay {$790.00} ). 
, and then I spent another {$150.00} at the supermarket, after that I felt that the phone was not easy to use, so I returned the phone, but since I returned it, they I forfeited the {$75.00} and the {$23.00} cashback at the same time. 
Within 3 days of opening the card ( meeting the XXXX requirement ), even after deducting the {$790.00} before the return, I still spent XXXX ( meeting the requirement of the consumption amount of XXXXXXXX XXXX ), and the credit card customer service insisted that they would not give me the opening bonus of {$75.00}.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

I received a phone call XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX from someone claiming to be a representative of PNC. They alerted me that my account had been compromised and that action needed to be taken immediately. They asked me to confirm my address, phone number, a recent purchase and my login credentials. Then informed me that my money might be moved or frozen temporarily until my account is back secure and that it may take 30 days. XXXX dollars was removed from my account. After 30 days my money did not return, so called PNC and informed them that I believed Ive been a victim of a fraud and a scam. The perpetrators posing as a PNC representative tricked me into getting my information logged into my account and XXXX themselves my money. I reportedly the incident but PNC concluded there was nothing they could do.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC. (CT)

Robinhood cryptocurrency orders were delayed on XX/XX/XXXX from XXXX - XXXX. At this time, the price fluctuated dramatically and I was unable to complete trades. The trades that were completed were not at the prices promised. This caused me to lose aprox. {$50.00}. I am looking for this credit. Robinhood did not give an appropriate response for weeks and has then not been able to answer what the criteria are for credits, and refuses to budge on a " final decision ''. This should be investigated.
Consumer complaint received 2021-05-31
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. (NY)

In early 2021 I've noticed that 'XXXX  XXXX account was showing up on my credit file with all 3 major credit bureaus, which was sent to collections, even though I've never had this account opened by me in a good faith. Therefore I've filed a FTC Identity Fraud Report where I've outlined that the account associated with 'XXXX  XXXX is per se fraudulent and I'm intending to use this report to inform agencies and request a removal. Copy of this report had been sent to XXXX, XXXX  and Equifax, respectively. While XXXX  and XXXX  did remove this account from my credit file and marked it as a fraudulent, Equifax didn't take appropriate measures to do so, even though Equifax did receive a copy of this report.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (IL)

Made arrangements with hospital to pay outstanding balance, which I am currently paying. Rather than consolidate all outstanding bills which are in the same facility, they have turned some of the bills over to a collection agency. I am a senior on a fixed income and am trying to rrepay.
Consumer complaint received 2021-05-31
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. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$1200.00} and another account with XXXX XXXX XXXX with a balance of XXXX and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!
Consumer complaint received 2022-08-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 15 U.S.C 1666B : 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 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Consumer complaint received 2021-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On Sunday,XX/XX/2021 while working on my computer, a note came up from my credit card company, XXXX XXXX, asking if I just mad three {$600.00} charges to a XXXX company, I said NO, and they denied the charges, nothing hit my account, Than after a few hours, I got another note from Chase saying the paid three accounts that did look suspicious, but paid them any way. see attached info.
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. 

When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. 

I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. 

I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. 

I am looking at the list of charges sent, and I do not believe this is accurate. 

I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. 

It shows my total charges of services received totals {$370.00}. 

{$370.00} - {$90.00} - {$50.00} = {$220.00}. 

I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.
Consumer complaint received 2020-07-29
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)

I submitted a dispute through the Consumer Financial Protection Bureau to Equifax this past Friday stipulating that two accounts from XXXX aren't mine. 

I can't believe they are already saying they have verified the accounts. They have clearly violated the Fair Credit Reporting Act. Can you investigate the process of the verification of those accounts on behalf? 

Also, can you investigate the inquiry from XXXX  XX/XX/2019? 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX