davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX  that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
Consumer complaint received 2019-05-22
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: CITIBANK, N.A. (CA)

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

MACYS/DSNB, Account # XXXX, Date Opened XX/XX/XXXX You are even duplicating this fraudulent account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap!

This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Consumer complaint received 2018-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I disputed 2 accounts of XXXX, those accounts are paid for an amount od {$18000.00}, my credit score went down instead of foing up why? ( Equifax ) (
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Every year the same thing happens with Equifax ( also with XXXX, not with XXXX  ). Today it was Equifax ( I ask one of the bureaus every 4 months ). They ask me 4 questions with multiple choices which are supposed to verify my identity. Out of the 4, 2 have no answer but " None of the above '', they refer to companies or credit transactions I know nothing about ; which means I flunk the test to prove that I am me, and Equifax refuses to provide online access to my credit report as it has been mandated by law. 
Instead, they suggest a long list of paperwork that I need to send to get a free credit report. Obviously, I can also pay for one, and then, I am sure, there will be no fake questions to prove that I am me : a credit card will be sufficient. 
This time, I copied the screen contents, and my responses. I also have the scan of last year 's credit report, which I got by mail after filing a complaint like this one. 
I am hereby enclosing both, the screenshots showing the spurious questions with my responses, as well as last year 's credit report. I challenge Equifax to tell me which of the reported credit transactions they were referring to in questions 1 and 3. Nothing in the XXXX report mentions anything vaguely resembling anything in these questions, which refer to transactions in XXXX and XXXX. In XXXX I did cancel a mortgage with XXXX, and that is listed in page 20 of 30 as XXXX, of XXXX VA, not as any of ; XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ABOVE Question 1, about a merchant 's card from XXXX, also has no reference in any of the contents of the credit report issued by Equifax in XXXX. 

The only conclusion on this is that they make these questions impossible to answer, or downright fake, just to avoid giving me access to my own credit report, as I am entitled by law.
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I have repeatedly tried to login to my account online, but the site claims that I have no record of a Navient Loan, formerly Sallie Mae. I have been offered a variety of repayment options, none of which I can particularly afford. I have also agreed to some of those terms, and the payments were rarely allocated to my account. I am not really sure how to pay when the customer service agents don't call back or accept my payments when I call in. Overall I am not really sure how to resolve my balance which is 110 % more than what I borrowed. Don't get me wrong, I am absolutely willing to pay, and attempting to pay, but there doesn't seem to be a clear way to do so.
Consumer complaint received 2019-05-22
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. (CA)

Using XXXX XXXX I found a card has shown up on my equifax credit report at the start of the year that wasnt mine. Card says its XXXX card service and shows a ballance over {$40000.00}. Card was opened 12 years ago ( i would have been 12 ... ) but just showed up on my account. Tried to contact equifax to dispute but got put through to an XXXX call center that would not email me any information and requested I fax them my drivers license and SS card. I dont have a fax and do not believe I need to fax out vital personal information to XXXX to dispute fraud in their credit teporting system. Equifax is making it difficult to dispute fraudulent items that im only seeing in their credit report.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (PA)

On XX/XX/XXXX and XX/XX/XXXX, Penn Credit Corporation called my in-laws multiple times about a debt that I personally owe. My husbands parents were given my name, date of birth, where the debt was for and the amount. I believe this is not legal.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

PayPal placed a hold on my account 7 months ago for unknown reasons with a statement stating they would send instructions to release the funds in 6 months. 6 months went by without contact. I spoke with a representative on XX/XX/XXXX who stated that the funds would be released in 3-7 days. I received no contact and the funds were not released. I contacted PayPal today, XX/XX/XXXX, who stated that they were going to review the account, but given no timeline as to when the funds would be released.
Consumer complaint received 2021-08-06
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. (CA)

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 2018
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020 I received a settlement offer from synchrony bank/PayPal for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of PayPal credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 PayPal reported the account as an open charge off with a balance of XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C B Merchant Services (CA)

I payed off my debt in full and asked the company to remove my account from collections and was told they wouldn't remove it they would only update it to show payed ... i need this account removed immediately so I can qualify for a loan for a house ... please remove from collections. I also called them back and told XXXX extension XXXX that I would file a complaint if it wasn't removed.. again she told me to file the complaint and that she wouldn't remove it only update it.
Consumer complaint received 2022-01-05
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)

XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, XXXX, and Equifax and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.
Consumer complaint received 2020-10-13
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: Nelnet, Inc. (OH)

DEPT OF EDUCATION/NELN is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

Ally financial keep drawing money out of my my bank account that is used for personal things, Ally financial has an account they are to be taking money out of for our car payment but refuses to take out of the allowed account. This is unacceptable and keep putting my personal account into the negative costing me an extra XXXX $ a month.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (IA)

Ic system company just report on my credit report about XXXX the have been closed since 2015 and the items be returned to them and bill as well and now used my information and privacy sell to three parts and need removed immediately
Consumer complaint received 2020-10-28
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. (CA)

I did annual credit report in XXXX with 3 credit Bureau : XXXX, XXXX  and Equifax. All reported with NO fraudulent accounts, except the " previous address '' included incorrect address, but I thought it was in " previous address '', it wont affect me, as long as my " current address '' is correct. On XX/XX/XXXX, I did annual credit report again to purchase a mortgage. XXXX, XXXX  and Equifax reported NO fraudulent accounts. Only Equifax reported a fraudulent address in my current address. I submitted a dispute to have it updated. After several disputes for the same issue, it still did not get fixed, Equifax kept updating wrong address, so I had to fax all required documents along with another dispute. On XX/XX/XXXX when Equifax finally updated my current address correctly, there is a fraudulent account appear in my report, it indicated this was opened on XXXX, XXXX which I had previously mentioned that in XXXX and XX/XX/XXXX Equifax and other credit Bureau did not report this. Now all of the sudden I owed XXXX  XXXX XXXX since XXXX for a balance of {$1100.00} as of today, monthly payment is made on the first of each month since XXXX. I was so shocked how this can happen. 

I called XXXX  XXXX XXXX 2 times to confirm and ask for dispute, XXXX confirmed with me that account number was not mine, name looks similar but clearly this is not my account, I have {$0.00} balance with XXXX, I was advised to file a dispute with the credit Bureau who reported this account. I file a dispute with Equifax on XX/XX/XXXX, after 14 days had not received the result I called Equifax to follow up on my dispute, I was told that XXXX is the only one can verify my information. I called BOA and again was told that if I file a dispute with Equifax, the submit had sent to a different department who handle this, there is nothing I could do but waiting, and again they confirmed with me that this account is not mine, and Equifax should be able to have my report corrected. On XX/XX/XXXX, Equifax sent me a result of dispute, but surprisingly It said XXXX confirmed the fraudulent account is mine. 
This had cause a serious delay on my plan of purchasing a house. I have waisted 2 months to fix the address, and then now still waiting for another dispute. 

I got a notification indicated that The fraudulent account is updated to : XXXX and XXXX. Now the fraudulent account is reported in all 3 credit Bureau, not just only Equifax. 
I called BOA immediately, again XXXX confirmed with me the fraudulent account is not mine, they did not know how this happened, I dont owe BOA anything and have {$0.00} balance. The dispute was file with XXXX same day on XX/XX/XXXX. Dispute is pending for review as of today. 

This issue has caused significant impact on my mental health, seriously delay on purchasing mortgage and financial lost as i have missed multiple chances for good interest rate.
Consumer complaint received 2021-10-04
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 (PA)

PayPal has locked my account due to questionable transactions, requires me to send certain information before my account will be unlocked. 

While this might be good security, there were only 3 small transactions during the period they are monitoring and they are all authorized by me and totally legit.

The only issue is I can not now close the account, I simply do not use it that much and I can not close it until they get the same 4 pieces of information they want me to provide. Some of this is easy enough ( photo ID - but why? ), some not so easy ( bank statement ), all of this a project I dont have time to undertake.

Meantime, they have access to my banking and credit card data, I can not make any changes.

It us nearly impossible to reach a person to speak with, but I did get an agent who said sorry spoke to a supervisor who said sorry.

I just want to close this, too hard to deal with when there is an issue.

What can I do without giving them more information than they already have?
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (CT)

Earlier this year, XXXX XXXX of XXXX XXXX XXXX  contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. 

He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. 

I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. 

I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. 

Thank you in advance for your attention with this matter.
Consumer complaint received 2020-10-13
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: CITIBANK, N.A. (CA)

I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995 with no late payments ever. So I sought to understand how this transpired.

1. I received a new card with changed terms and Citibank disabled my auto pay.

2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. Citibank processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call.

6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was  past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other citicards-not the account in question. Citibank authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 8. So here I am with a 30 day past due on my credit report due to no fault of my own as Citibank disabled my autopay, processed
payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report.

9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.
Consumer complaint received 2020-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of XXXX.