davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (CA)

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all 3 credit reports that are reporting to my file and putting me in a financial hardship
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Paypal Holdings, Inc (SC)

paypal scam is to date your refunds 5 days later than the original date given by merchant refund now earning paypal more $ off your XXXX & interest, customer never? cause paypal tells custmer it banks fault & bank agrees with rebuttal whole time paypal redated money..they have cost me additional fees to my mortgage company because of this issue and that is a form of fraud .... that could have been avoided and they need to correct this situation
Consumer complaint received 2022-07-29
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. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
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 — Account information incorrect
Company: CITIBANK, N.A. (IN)

On or about XX/XX/2022 XXXX XXXX XXXX has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

I have not given any consent, and no consent is a violation of my rights as a consumer. 

I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.
Consumer complaint received 2022-09-24
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. (MT)

I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.
Consumer complaint received 2022-12-05
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: VEROS CREDIT, LLC. (CA)

The company have improperly made errors on my credit report causing me to have a horrible record with my up coming purchases It has been causing me so much I reached out to the company to see any advise and they ignore my request 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I Received collection notice on XXXX XXXX from trans world regarding a claimed missed toll on XX/XX/2022 of {$10.00} and a late fee of {$100.00}. I never received any notice of this claimed missed toll prior to the collection agency notice. The creditor XXXXXXXX XXXX XXXX XXXX never contacted me or sent anything at all to alert me if this. My Registration code on the notice with trans world is # XXXX. I dont mind paying the toll if in fact I owe it if {$10.00} ( how is a toll that price with odd cents ) but not the {$100.00} fee when I was not informed of this claimed missed toll ( prior to the collection notice ) on the  XXXX bridge in NY state.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 us 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 XXXXThis 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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (GA)

I originally submitted a dispute with XXXX based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as XXXX Report XXXX XXXX). On page 49 of this report, my total balance for one of my student loans with FedLoan was displaying as XXXX with a balance update date of XXXX. This amount was incorrect because I made a payment bringing my balance down on XXXX, which was not being reflected by XXXX while it was being reflected by FedLoan (proof of payment attached as XXXX  Payment XXXX. As of XXXX, my FedLoan balance on this loan sequence became XXXX. I have a letter confirming this from FedLoan (attached as XXXX XXXX XXXX Copy of XXXX letter.pdf). I filed a dispute Report XXXX with XXXX because of this discrepancy. Upon completion of the investigation, XXXX  correctly updated the balance of the loan sequence to XXXX on page 49 of my updated credit report (attached as XXXX Report XXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX XXXX I spoke via phone with XXXX from XXXX. During the call, XXXX mentioned that the comment originated from FedLoan and there wasn't anything XXXX could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with FedLoan Servicing, and spoke with XXXX (employee ID XXXX) at approx. XXXX XXXX XXXX  mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to XXXX She mentioned that there was nothing more FedLoan Servicing could do and I would need to resolve this with XXXX. I also inquired whether XXXX  would be able to assist as my account transferred on XXXX, but I have been unable to reach XXXX  successfully due to systems not having my account information or excessive wait times to speak with a representative.
Consumer complaint received 2022-07-29
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. (MS)

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 us 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 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 im XXXX  now.with no help.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : 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 XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX 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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-29
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # 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 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-29
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. (CA)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-24
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$280.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX, Credit limit {$400.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-05
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: TRANSWORLD SYSTEMS INC (VA)

In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 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 2022-09-24
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. (CA)

This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!
Consumer complaint received 2022-07-29
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: EOS Holdings, Inc. (PA)

In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, two years later, a company named EOS CCA opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to EOS on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. One of the executive employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's executive office, they have tried tirelessly to get EOS CCA to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. EOS CCA refuses to comply with them. I have communications with XXXX 's executive office stating such, and I even have an email from XXXX XXXX, EVP of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get EOS CCA to make this right. XXXX XXXX suggested I work directly with both XXXX and XXXX, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and XXXX. Within 24 hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my XXXX dispute, XXXX called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that XXXX 's policy is to only contact the owner of the account, which is EOS, and EOS said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop EOS from inaccurately reporting on my XXXX report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.
Consumer complaint received 2022-09-24
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: WELLS FARGO & COMPANY (TX)

Between XX/XX/2022 and XX/XX/2022, my card was charged {$1000.00} as a result of various purchases made via fraud. I promptly reported the fraud claim to Wells Fargo and the charges were temporarily reversed. I received a letter in the mail a few weeks later saying that my fraud claim was denied since I told the bank that the card was in my possession at the time when the fraudulent charges were made despite telling Wells Fargo that I did not make those charges. The extent of their investigation was that they determined that since the card was in my possession at the time of the fraudulent charges, I would be responsible for the charges. I've call customer service and the fraud claim department and they said that I would need to do my own investigation and provide receipts that I did not make those charges.
Consumer complaint received 2022-09-24
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX, Balance {$500.00} ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.