davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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)

I have reached out to Equifax regarding erroneous, and unvalidated information from XXXX collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The two remaining collection agencies are XXXX XXXX and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given XXXX XXXXs nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
Equifax seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Equifax stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote Equifax again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those XXXX alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a DISPUTE LETTER to Equifax and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked Equifax how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all closed off on my account. I asked for XXXX and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (GA)

BULLCITY FINANCIAL SOL at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of ( {$320.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Consumer complaint received 2021-06-06
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. (VA)

I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. XXXX  advised I need to send them information from creditor/courthouse. Equifax claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have not been able to access my Equifax credit report online. I am ALWAYS able to obtain my XXXX and XXXX reports. It seems like Equifax has built in a frustration factor meant to deter people from easily obtaining there credit reports. The " http : //www.annualcreditreport.com/ '' site is useless for Equifax but works properly with the other two. This has gone on for four or five years. My credit and identifying information is known to me ; I am not answering Equifax ' challenge questions improperly. It's impossible to speak with a human at Equifax. So, that route isn't helpful. 

Please help me to motivate Equifax to allow me, as a consumer to access my credit report online. It's 2022. Please and thanks.
Consumer complaint received 2021-04-05
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 ()

paypal close my account for no reason and not get help me for gettingit back up ans going.. iam not sure if this some mistakes as i assumed it has to be i have not been able to get help from them for months but i just remembered i could f ile a report from here as i feel they are they are not doing thei job properly and it is effecting me a great deal as i use PAYPAL quite frequently my EMAIL linked to my paypal is XXXX XXXX
Consumer complaint received 2021-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (OH)

The covid hit. These were unsubsidized and subsidized loans. As well as Pheaa loans. I guess a bank bought the loans? I dont know but they are denying me covid relief from XX/XX/XXXX to the XXXX XXXX. I did not know a bank bought the student loans. Regardless they are student loans from AES. They are denying me covid relief on these loans. I owed {$18000.00} when my loans were original. 4 kids and two divorces later..i owe {$31000.00}. I am XXXX in XXXX. Please help. 
.
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IL)

I talked to a gentleman online in a buying XXXX XXXX XXXX cards forum after listing that I had a alpha edition time vault. He said to get paypal and he would buy it. I opened the account with seller protections and followed all protocol. I received payment that was pending until the buyer received it vis mail. I got it tracking with signature receipt via usps mail. The customer claimed he received a item not as described. He sends it back and before I even receive it at the post office chargeback my funds. I open the package and recorded doing so at the post office and inside was paper and a junk card. He didn't send back my item at all! I have paypal seller protection but because paypal had him send it as item not as listed instead of returned or another filing conveniently it doesn't help? This is insane.
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Consumer complaint received 2020-07-08
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: MAJR Financial Corp (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

I continue to receive notices from Victoria Secret stating I owe on a credit card purchase. I have never taken out a credit card with this company. I am a XXXX year old lady that bought my grandaughter a nightgown online where I purchased it before it shipped. 

I wrote to Victoria Secret and they state I owe it. I never gave them my social secuirty card so how do they have a credit card in my name??? 

I am getting late fees and this is destroying my good credit. 

Each statement has a different amount owed and charged. I dont charge at this store!!!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc. (MD)

Recently I reviewed my credit report and noticed inaccuracies, on XX/XX/2021 an inquiry was made on my Experian and XXXX accounts by XXXX I do not recognize this inquiry as one that I have authorized and fear that personal information pertaining to me may have been compromised. I have contacted Experian and XXXX to report the inaccurate reporting and have received no response. I have also contacted XXXX XXXX numerous times to demand the removal of this unauthorized entry, I have also received no response to any of my letters from the creditor. I will be satisfied if this inquiry is deleted from my report immediately, as it has damaged my reputation, affected my credit score, and hampered my ability to obtain credit.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

I called the collection company they said I had a credit card opened from billed XXXX on XX/XX/2017 beginning balance of XXXX and ending balance of XXXX which never received any payments but I never opened up an account through them or XXXX XXXX  XXXX company and I had a fraud alert on my XXXX  so I need this to be taken off.
Consumer complaint received 2021-04-28
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. (NC)

I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.
Consumer complaint received 2021-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I was going to be evicted from my apartment after falling into hard times with financials, this was the only institution that would take a loan out with me ( {$2500.00} ) during this time because of my credit ; however, I was unaware of the interest rate of 139 % that would take effect. This occurrence was in XX/XX/XXXX and for almost two years I have been unable to contact them to rectify or get this situation taken care of. It is a drain on my bank account leaving me unable to save for my future or for absolutely anything with payments of {$290.00} a month. With not a dent in the principle of the loan after almost 24 months. On top of all of that reopening a loan for a different amount with a new account number all different credentials without my knowledge or prior approval.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MD)

Hello, I refinanced a loan from United Wholesale Mortgage ( serviced by XXXX XXXX ) on XX/XX/2021 and am due an escrow refund of {$4100.00}. According to XXXX, any remaining escrow balance must be refunded within 20 days of a mortgage loan being paid in full. As of XX/XX/2021, I have yet to receive these funds from the lender. 

When contacting the lender I am being told stories about how it takes 4 business days for them to place the check in the mail and how it takes an additional 7-10 days to be received by me. However, this time frame has now passed and the lender is refusing to issue another check until 30 days have passed from when the original check was supposedly printed. 

Additionally, when I contact the lender about these issues they seem not to care and act in such a way that shows they do not care about their customer 's monies. 

Attached is a letter from the lender confirming that my mortgage was paid in full on XX/XX/2021 and an escrow statement that shows an image of the check that was supposedly sent. 

Thank You, XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AN # XXXX, XXXX, XXXX XXXX AND XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AN # XXXX, XXXX, XXXX XXXX AND XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ADP Inc. (TX)

XXXX XXXX XXXX XXXX ( s ) Offender ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, XXXX XXXX XXXX Pay By XXXX REQUEST TO CEASE AND DESIST ALL PERJURY, DEFAMATION, HARASSMENT, STALKING, SLANDER, AND/OR LIBEL OF CHARACTER AND REPUTATION. 

You are hereby notified to CEASE AND DESIST any and all further unlawful theft, vandalism, solicitation, defamation, slander and/or libel relating to the incident or event which occurred on XX/XX/2020 in which the following grand theft, defamation, slander and/or libel occurred : On XX/XX/2020, I was contacted by Hired U.S House Committee Employees for The United States Department Of Urban Development from your agency regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. 
In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to theft by cash money/check in order to conceal this unlawful alleged debt. I will work directly with the suspects original creditor, Payment Protection Plan, to resolve this matter, as warranted. Please take note that I am declining any attempts by U.S House Selected Committee or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to defraud independent collections of the defendant ( s ) currency to accommodate this alleged debt. 

You are hereby requested to immediately CEASE and DESIST the insubordinate acts of aggravated identification theft to obtain unlawful possession of money orders, cash money, and checks to illegal solicit, harass, stalk, defame, slander and/or libel and within ten ( 10 ) business days and return the signed written assurance below affirming that you will refrain from any further acts of said defamation, slander and/or libel with regards to my self employment, stable coin, character and/or reputation. 

Failure to comply with this cease and desist request, and/or return the signed assurance within the stipulated time, will leave me no other alternative but to pursue any and all available legal and equitable remedies available to protect my stable coin, character and/or reputation. 

Sincerely, Title Coordinator
Consumer complaint received 2022-01-17
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. (FL)

I am a victim of fraud on XX/XX/2022 my personal information was used without my consent, I contact Equifax and explain what happened I was told they would investigate and was giving a conformation # XXXX. A few hours later I receive a email saying everything was accurate. I did not apply for a card from XXXX XXXX  XXXX but Equifax is saying I did knowing I am a victim of fraud please have them remove the inquiry that was fraud on XX/XX/2022.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX