davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
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. (TX)

Attention Compliance Manager : I recently received a result letter from a dispute letter mailed as I have enclosed that letter for your convenience. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I was upset and saddened to learn that you somehow verified this disputed item, stating to leave it on the report. I am absolutely certain that these items I disputed is incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX -If inaccurate, incomplete, or unverified, I demand deletion. 

I am eagerly interested to learn how your investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I need you to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. 
I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unjustifiable, hurtful, and unworthy to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from your company within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item in dispute permanently deleted from my credit report based on the unreliability of the information furnished.Thank you for your prompt attention. I look forward to getting this crisis resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX
Consumer complaint received 2020-12-14
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. (TX)

My credit report shows inaccurate and unverified inquiries from multiple sources. 
I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

Received collections letter in the mail that PayPal Inc had sent my account to collection and that my balance was {$360.00}. I contacted PayPal and they said my account was never sent to collections. 

Letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with XXXX
Consumer complaint received 2018-04-18
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a very vague response, almosrt two months later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On multiple occasions over the past 2 years, I have tried without success to write to XXXX, Equifax, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Consumer complaint received 2021-05-01
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 (MI)

Paypal closed my account for no reason at all and has been holing my remaining money on my account for more then 11 months now. I have tried to get in contact with them over 50 times and have only got through twice and got a answer which i was told they cant help or give me any information on my funds. This has to be a mistake i have done nothing wrong for my money to be held for almost a whole year now. I have bills to pay and the way paypal is conducting business is very sad. XXXX is the email linked to my account.
Consumer complaint received 2018-10-16
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. (AZ)

I mailed the first letter to XXXX on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Consumer complaint received 2021-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again.
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (NM)

Got cashier check from XXXX XXXX XXXX XXXX for XXXX, made deposit of the check in my Wells Fargo checking account and Wells Fargo put a ten day hold on it. 
Two employees in bank said there will be no hold on check. Next day got email from Wells Fargo that they have ten day hold on the check. On the check it says the check is same as cash.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX, Equifax, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

I received a disbursement from the XXXX XXXX on a " Netspend Disbursement Prepaid Mastercard issued by XXXX ''. 

Since this card has no way to withdraw a balance from it without fees, I chose to close the account, have them mail me a check, pay the {$10.00} fee. 

I called them on XXXX XXXX, 2021, and I spoke to an agent. I was told that the account was closed and that I should receive the check within 10 business days. 

I have not received any contact or check from Netspend since that time. I went to their online portal and my account is still open, and the funds have not been disbursed. I can not seem to get the company to release my money.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NC)

Week of XX/XX/2021, I received in the mail a Debit Card and a letter indicating that three DDA accounts were opened at PNC Bank in my name. 

This was not authorized activity and we had no existing business with PNC Bank nor did we apply for any financial products from them. 

We called PNC Bank on Saturday XX/XX/XXXX and spoke to a Fraud Officer and they said that they would open a fraud investigation and suggested we visit a branch for further assistance. We wanted these accounts closed immediately but were told that we would have to speak to someone in the Branch. We went to the branch on XX/XX/XXXX ( Monday ) and were told by the branch manager that it was turned over to the Fraud department and that they could not provide me with any information nor would they close the accounts when I requested them to do so. As I did not open these accounts, I am concerned that a money-launderer could be using my identity to commit financial crimes through these accounts and I wanted them closed to prevent my identify from being associated with any potential crimes. I also asked for some type of documentation to prove that we had reported this fraud to PNC to help reduce our risk and they refused to give me anything in writing to prove that I had filed this complaint with them. They said it was their policy to not provide anything in writing in these situations. 

PNC Bank refused to close the accounts and said that it had to go to their fraud department for handling. I asked them if the accounts were funded or if they could tell me what was going on with them and was told that they could not divulge any information even though the accounts are actually in my name currently. My goal in asking this question was to try and understand what risks I might be exposed to and to see if money was moving in / out of the accounts. However the branch manager quoted policy and said that they could not tell me anything. 

I am filing a complaint because a ) PNC Bank clearly has poor KYC / BSA policies if someone was able to open an account without my knowledge and b ) PNC Bank should be more helpful in trying to size the risk and address it appropriately. They said it would be up to 30 days before we might hear from someone on this matter. 
c ) PNC Bank should at least provide evidence that they have opened up an investigation to assist fraud victims, which may be needed to provide future innocence, etc. in the event of future issues that could come from the fraudulent accounts.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MS)

PayPal keeps taking money out of my account and nobody can tell me why. Ive deleted my PayPal account and havent used it in almost a year. So why does PayPal keep taking money from me
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

This complaint is in reference to the COVID-19 forbearance that was solicited to me by my mortgage company Rocket Mortgage in XX/XX/2020 I applied for a three month forbearance and it was approved. At the end of XX/XX/2020 they automatically extended the forbearance three additional months. I recently contacted them to let them know that I was able to make regular scheduled payments they said the only option I have is a loan modification because I live in the state of Texas and they do not offer payment deferral in the state of Texas. I am not accepting this loan modification and I am requesting a deferral of payments missed. I am being denied for reasons unknown by XXXX XXXX  and other entities that I have contacted.
Consumer complaint received 2020-06-04
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. (NY)

Back in XX/XX/2019 a settlement was made to XXXX  XXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.
Consumer complaint received 2021-04-12
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)

Fraudulent Inquiries on my credit report. I have reached out to Equifax numerous times about the negative inquires on my credit report. I have asked that the following inquires be removed and they were not. XXXX XXXX, XXXX, XXXX, and XXXX XXXX are on my credit report.They sent me a letter saying the inquiries were verified. I am asking for validation and proof that it was me who applied for these. Equifax did not send any proof on how they were verified. I am sure they did not reach out to the companies regarding this matter. I am asking that the following companies be removed from my report immediately.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (OH)

As most American, lve been deeply affected by the Pandemic and my ability to stay afloat financially has been quite challenging. Ive contacted discover back on XX/XX/2020 and just today. I also just received a certified letter from Discover indicating that legal actions will begin on XX/XX/2020 from which legal judgment against me will follow. I was previously set up on a payment of close to {$300.00} for a balance on XXXX. I failed behind on those arrangement and called on both occasions to find payments alternatives, however, on both occasions, I felt as if discover was trying to coerce me into payments agreement I can not afford or maintained. They concerned is to try to prevent the charge off the account, even though me, the customer, can not afford. They keep stating that the dont want to exacerbate my ongoing hardship, but payment of close to {$300.00} for 24 months is something I should be able to do, according to discover, which is crazy as my finances paint a different story. The offered two settlements options today, one for over XXXX and another one, of over XXXX, both to be paid within 24 months. However, these range from close to {$300.00} to over {$200.00}. When I asked a longer than 24 months settlement for the reduced balance for over XXXX, discover stated it could not be done. Not an option for me at the moment, they say. The representative I spoke to a moment ago wanted me to accept a hardship payment for {$35.00} for 90 days, then paying the entire XXXX balance at the end, which and again, is not an option, but he wanted to know why I was not accepting this offer as he was trying to avoid the account from being charged off. He became aggressive even though I clearly indicated I wasnt comfortable with the hardship plan as it didnt address the main issue of paying back the XXXX owed, which I take full responsibility for. I dont have XXXX laying around today for Discover Credit card, I doubt Ill have that in 90 days to give to discover. The representative got so heated during the call that I politely thank him for his time and advise that I was terminating the call. Which I did
Consumer complaint received 2018-04-18
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. (NY)

Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.