davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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: SYNCHRONY FINANCIAL (NJ)

I had a credit line with Amazon XXXX. It was suddenly reduced from XXXX to XXXX because Synchrony Bank punished me for not having information it never asked me to provide in the first place. I called Synchrony Bank to dispute but was directed to XXXX. Synchrony Bank said it would return the credit line if it received notification from XXXX did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Consumer complaint received 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00}
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX I ordered XXXX, an antibiotic medicine from XXXX XXXX for the amount of {$69.00} using my XXXX XXXX  Debit Card to PayPal at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, telephone ; XXXX - XXXX - Purchase XXXX - Order # XXXX. 

I was notified then by XXXX XXXX that my order of XXXX comes from overseas and could take more than a month to receive so I did cancel the order notifying PayPal and asked for a refund. 

PayPal collected the {$69.00} on XX/XX/XXXX as is found in my XXXX XXXX  statement, but, PayPal did not refund the amount of {$69.00}, although there is a message posted in my PayPal account that the refund must be done no later than XX/XX/XXXX.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (KY)

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX NOT MINE, No proof of debt- University XXXX No Proof of debt- XXXX NOT MINE, No proof of debt XXXX NOT MINE- XXXX WRONG. Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1: USC 1692g Sec 809 (b) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for "legalization" via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX KY accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
Consumer complaint received 2022-09-09
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. (AR)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

Marcus by Goldman Sachs gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXXXXXX XXXX and the balance on the card is still XXXXXXXX XXXX. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXXXXXX XXXX and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXXXXXX XXXX  please on my Marcus by Goldman Sachs Credit card please.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (WA)

I sent a certified letter to Experian, XXXX, and XXXX disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. XXXX and Experian have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success
Consumer complaint received 2022-09-09
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. (AR)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  21. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2022-09-09
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. (MI)

I was removed as an Authorized user for a XXXX account in XXXX, XXXX. However XXXX and Equifax credit bureaus are still reporting this account as active. 
I am requesting XXXX provide me the XX/XX/XXXX AUD they submitted to XXXX, Equifax, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using e-OSCAR to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim XXXX never submitted an AUD updating the information concerning this discover account
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I had an abysmal experience trying to book travel via Chase XXXX Rewards. The website advertised an air itinerary for {$640.00} round trip per person. I was unable to book online, so I called for assistance. After being on the phone for 30 minutes, the agent hung up on me. I called back, and after spending another 45 minutes on the phone with a second agent, I was told that they could not sell the ticket for that fare and that I would need to pay an additional {$150.00} per person. I would like someone to contact me regarding this and to let me know how I can book the tickets at the original fare.
Consumer complaint received 2022-09-09
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. (NV)

I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXX Opened XXXX {$430.00}
Consumer complaint received 2016-11-17
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WA)

After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$340.00} 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 2016-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

XXXX XXXX has placed a fraudulent account on my credit reports under collection. We sent proof from XXXX XXXX of the fraud that was conducted. This has caused an issue with my ability to purchase a home and apply for credit cards. Credit reporting Agencies state it can take up to 90 days to remove an item from a report. That should not be for an item that was proven to be fraudulent and should be immediately removed by all three credit agencies if the company recognizes the fraudulent activity. Please help as I need to close on my house.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I had a paypal credit account till XX/XX/XXXX. I then closed the account and started paying down my balance each month. When synchrony bank acquired the service from PayPal I had a notification saying they are going to start reporting to the credit bureau for any active account. Since my account was closed before the acquisition I was very surprised when my credit scores dropped by 30 point after they reported a closed account with a balance on it to the credit bureau. I then proceed to immediately contact then to remove the account, but all I get for them is that they are working on it and it is being escalated with no resolution. In the mean time I was looking to purchase a house and I couldnt get the interest rate I wanted because of this debacle. This isnt the first time this happened to with synchrony bank back in XX/XX/XXXX, I had a car care card and when I reported it lost they decided to close the account and open a new one instead of giving me a replacement card. This obviously affect my credit score as it reduced the age of my credit.