davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Meritize Financial Inc. (CA)

I went to school in XXXX got a loan from them, when XXXX hit they are still charging me interest when all interest shouldve been on hold now, i didnt finish my classes and restarted in XXXX which they now gave me another loan, however covid was really not helping and I got super stressed out so I couldnt finish the classes again. I called them because they charged me for the entire amount for thr program even if I only took a couple of classes and they were also still charging me interest despite it being covid and now they sent me an email that they capitalized my interest with my loan. I called and they just told me that the specialist was supposed to call back but no one ever called ne back. This has been really stressful dealing with this and up to date now they are about to change my loan to a different company without resolving the issue.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX XXXX  Account number 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.
Consumer complaint received 2022-04-16
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 (MA)

Paypal put my account on a permanent hold stating my activities were against their policy. They were not. I purchase items and receive a rebate for the item. Nothing illegal or unethical. Companies do this all the time to get their products known, promote customer loyalty, etc. I had no recourse and they said they would hold my {$180.00} for 180 days. After that time, I called them and they said they were keeping the money. Today I received an email stating someone added their phone # to the account. My ccard #, bank account, home address and SS # are all in the account. I called to get the account closed and they told me because it is on a permanent hold that is not possible. I spoke to a manager and was told no one is allowed to close the account for me. So, I can not remove the information, receive my funds back nor close the account. They told me the account can not be used but yet someone hacked into it. 
https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full? msclkid=ec0639babd9711ec9f22e8adbfc6a33e
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I tried to fix the incorrect name on my credit report. I have already sent out copies of SSN card, W-2 form, driver 's license, passport etc. Each time I got different response : 1. first few times they told me to send copies of ssn card, driver 's license etc which are exactly the same documents I have sent out.

2. then I called them and operator told me that despite sending out the documents, I had to call them in person in order to fix the name. This was never mentioned in their result letter. The operator told me that it would be fixed this time. This happened within a month after sending out docs.

3. then my name was still not fixed after a long time. I called again. This time another operator told me that the result was " SSN card is for work only ''. I pointed out that despite of that I did send out W-2 as well. The operator admitted that W-2 can be used for SSN purpose as well and tole me it be good this time.

3. then my name was still not fixed after one month, this time a 3rd operator told me that my documents are too old that they could not use. It has to be within 60 days. She asked me to send the exactly same doc again. But she had no answer when I ask why did she think the same story wouldn't repeat after I send docs again. 

Each time each operator told me different contradicting information. The whole process is delayed and ruined by their mistake but all they want to do is to ask me to repeat exactly the same process with no fix.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I received a letter from Eastern Account System in an attempt to collect a debt for {$480.00} on behalf of XXXX. I already settled this debt with XXXX through their collections debt, XXXX, on XX/XX/2022. I spoke with a representative at XXXX the remaining balance was a mistake on their part. They did not record receiving my equipment back and they charged me 4 months of internet after I cancelled my service. Because of those two issues they verbally agreed to credit my account for the full amount of {$480.00}. I sent a recording of this conversation to XXXX, who then discharged the debt as invalid. 

8 months later, on XX/XX/XXXX, Eastern Account System reported to my credit that I owed a debt. I called them and the representative, XXXX XXXX, refused to accept any evidence I had of the account being settled. She attempted to hang up on me 3 times and would not provide me with an email to forward my evidence to. She lied on the phone and said she had access to my account at XXXX and that she could see the balance and the reason for it, however, I logged into my account at the same time and it says I owe {$0.00}. 

All other attempts of communication with Eastern Account System has been met with resistance, as they refuse to settle this matter. On top of calling them I have emailed them through their system and have only received automated responses that refuse to provide any resolution. This is unacceptable, trying to collect a false debt lowers my credit score, cost me time and money. I am reaching out to you to see if you can help me resolve this issue with Eastern Account System and have them remove the debt from my credit score.
Consumer complaint received 2022-04-16
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. (NC)

In XX/XX/XXXX, I noticed that I had an account from XXXX from XX/XX/XXXX reporting on my consumer report as a charge-off. I have sent them disputes trying to get this removed but they are refusing to remove it as they are claiming it is mine. Also in XX/XX/XXXX, I was approved for a loan by XXXX  that I applied for and did so knowingly so I should have only one account with the company. I have been a victim of Identity theft in the past and my wife was a victim back in XXXX this is another instance where my information is being used for someone's personal gain.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/2022 I received a message saying that my checking account balance was XXXX. I have a XXXX XXXX XXXX XXXX XXXX ) account which I checked and attached to that account was an Everyday checking account that I had not opened. I called Wells Fargo and reported the fraud. It took them about 4 weeks to resolve the issue and said that someone had opened the account online. In XX/XX/2022 I received the same message and checked again and found that Wells Fargo allowed someone to open a checking account again in my name linking it to the XXXX account. I again called Wells Fargo to report it and asked them to not allow any online changes to be made to my accounts. If a change is to be made to my accounts it will need to be done in a branch and person should show ID. Wells Fargo said that they could not do this. What an international bank can not protect its depositors from fraud on their accounts, thats ridiculous. I want Wells Fargo to put a stop to allowing people to opening any account and linking it to my account.
Consumer complaint received 2022-02-01
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 the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-02
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. (MD)

Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Equifax for violating section 611 Of the FCRA. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$860.00}
Consumer complaint received 2022-12-23
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: Creditors Bureau Associates (GA)

Date : XX/XX/22 I sent XXXX a copy of the company creditors Bureau associates, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Mailed dispute letters XX/XX/2022 to equifax XXXX  and XXXX Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (NV)

My car was repossessed on XX/XX/XXXX which is against the law and without my consent. I have spoken to the supervisor and sent emails following that date about the violation that they have committed against me according to congressional law 15 USC 1692f ( 6 ) ( b ). That clearly states in fine print that there is no present right to possession of the property claimed as collateral through enforceable security interest. 

They are also in direct violation of 15 USC 1635 that states when an obligor exercises the right to rescind under subsection ( a ) he is not liable for any finance or other charge, and any security interest given by the obligor under this section. The creditor shall provide ; in accordance with the regulations of the bureau, appropriate forms for the obligor to exercise the right to rescind any transaction subject to this section.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AZ)

I filled a complaint and concerns with U.S. Bank and there negative practices towards their customers. I spoke to one of their supervisors name XXXX. She made the problem worst. Without my permission she decided to close both of my U.S. Bank and XXXX credit cards. I did not authorize this. I have recording to back this up. I was not allowed to use my cards. Later on I received two letters from U.S. Bank stating both of my accounts were closed. When I called U.S. Bank a representative stated both accounts were closed, but someone at the Bank reopened both accounts a few days later. For their I apologize they offered me {$50.00} reward card. I explained to them I did not want it. They tried to force me to spend it and I said no. I found out today, XX/XX/2022 someone added money to my rewards account of {$50.00}. I explained to U.S. Bank I did not want the money because they were trying to bribe me. Also, because of tax purposes, I did not U.S. Bank illegally adding and deducting money from my credit card accounts. XXXX has been illegally tampering with my accounts, and it needs to stop.
Consumer complaint received 2022-04-16
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. (PA)

I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-08
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. (FL)

I contacted XXXX but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since XXXX when XXXX impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain credit.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (MI)

This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. XXXX, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Date of Birth : XXXX  Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX