davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (MI)

XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX XXXXXX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.
Consumer complaint received 2020-10-21
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: SYNCHRONY FINANCIAL (GA)

After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX  and XXXX reported late payments in XXXX and XXXX of XXXX, while XXXX  reported three late payments in XXXX, XXXX, and XXXX of XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XXXX of XXXX. There are also several inconsistencies regarding account XXXX in the payment history section. XXXX  is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX  in the months of XXXX, XXXX, and XXXX of XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.
Consumer complaint received 2020-12-06
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: EQUIFAX, INC. (CA)

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, XXXX, and Equifax ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Consumer complaint received 2017-12-19
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)

I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report Equifax XXXX XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto PACER to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in PACER is XXXX ; however what being reported on all 3 credit bureaus and probably Lexisnexis and XXXX is incorrect information. Its being reported as XXXX.
Consumer complaint received 2020-09-22
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: DISCOVER BANK (GA)

I am an elderly and XXXX citizen. I inquired about a medical bed on XX/XX/2019 with XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a order was taken and placed on the Discover card the agreement was to deliver the bed within 10days. Due to medical conditions, 10 days passed and I inquired about the purchase on XXXX XXXX. The bed was not shipped and I canceled the order started another search for a bed. As of XXXX XXXX the bed " NEVER '' arrived and my Discover card was charged. I submitted several disputes and Discover refuses to reverse the charge. I pulled the tracking of the bed and it showed the bed was never delivered to my home just a in route status as of XXXX XXXX. The courier listed on the tracking number said the bed was delivered to another location not my home address. I am now being charged for an item that I didn't receive and I canceled the order on XX/XX/XXXX. Discover has turned me in to collections.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (OH)

Penn Credit Corp showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I paid off my Macy 's credit card on XX/XX/2020 with Hana at XXXX. At that time, I asked for my account to be closed. XXXX assured me that it would be closed and even told me I could never open another Macy 's account again. 

On or around XX/XX/2020 I received a statement in the mail with the closing date of XX/XX/2020 and a balance of {$2.00}. This is their minimum fee for having the card. I called to see why I was charged on an account that was closed. The automated system said my account was closed, but that I had a balance of {$2.00}. I waited to speak with XXXX at XXXX and I received a very run-around answer and said they would be able to waive my interest fee. He then said after 72 hours the balance shouldn't show anymore and that I shouldn't receive any more statements. 

This creditor is famous for charging this fee, then tacking on a late payment fee for not paying the {$2.00}. Ridiculous. It seems highly illegal to charge anything on someone's account that is closed.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

IC systems showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX XXXX XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (TX)

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.
Consumer complaint received 2022-08-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022, I called Marcus by Goldman Sach to close ( 2 ) CD accounts and move the balance of $ XXXX to the saving account that I have with the bank. The staff over the phone told me that the funds would be completed transferring within 24hrs as it is within the same financial institute.

Two days later, on XX/XX/2022, I called to follow up because the funds weren't transferred as I was told. The staff asked me to wait for another day. She had no clue why it didn't happen. 

Another two days passed, on XX/XX/2022, the funds were yet not transferred. It took me over an hour to talk to the staff and manager. The manager said she would escalate the case but can't guarantee the transfer. The phone got disconnected and nobody called me back. 

They did explain that the bank has received high volume of CD closing and the system has difficulties to process the requests. I strongly believe it isn't a valid reason. If it is a bug in the system, bank should solve it. It's unfair to ask the client to take the loss. Both bank and client should proceed as the terms specify. The bank shouldn't and must not deprive the client right 's on his/her money.

As of now, I have spent quite a few hours and it goes nowhere. Most importantly my money is not secured at Marcus by Goldman Sach. The bank isn't doing its duty. 

Please help to bring this issue to the right team and close it ASAP.
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020 I received a letter in the US postal mail from the collection agency XXXX XXXX XXXX XXXX stating that I owe the creditor PayPal, Inc {$1900.00}. This in not correct. I have no transactions on my PayPal account ever. I made several attempts to contact PayPal by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the PayPal instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from PayPal in response to my email on XX/XX/2020.
Consumer complaint received 2020-12-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (UT)

XXXX  XXXX  XXXX continues to sell off a debt that was a result of identity theft and fraud. Credit Control LLC sent me a debt request for a debt that I do not owe. Please remove the debt from my name. Cease and desist collection on this debt.
Consumer complaint received 2021-01-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I have made a purchase through PayPal credit on XX/XX/XXXXfor {$390.00} and then changed my mind and cancelled the order ( there is no any fee involved ). Since I did not get any confirmation from the seller about the cancellations, I disputed this transaction same day XX/XX/XXXX with

PayPal. PayPal cr
edited {$390.00} on XX/XX/XXXX, once again the seller credited {$390.00} on XX/XX/XXXX. As I have received two credits, I have reported this on XX/XX/XXXX with PayPal to debit the 2nd credit. Following my report, PayPal charged me once on XX/XX/XXXX and also again on XX/XX/XXXX which is supposed to be only one charges instead of two. I  called them on XX/XX/XXXX to report about the two charges instead of one. I have received a letter from PayPal mentioning all these charges are valid and I owe {$390.00} for nothing. 

From my account statement, it is very evident that they made dual charges on my account, Agent on the call could understand and witness my problem but not the support team. Here are my list of followup calls and my time to explain about this with representatives who picks my call 1. XX/XX/XXXX - 33 Mins XXXX. XX/XX/XXXX - 29 Mins XXXX. XX/XX/XXXX - 08 Mins XXXX. XX/XX/XXXX - 28 Mins Also, they offer EMI plans with no interests when paid back within 6 months. I ended up paying {$200.00} more ( I paid everything on time and this {$200.00} is not for the interest ). I always schedule for an auto payment to ensure close principal within 6 months. 

I have attached statements since XXXX XXXX ( 1st ever paypal credit transaction )
Consumer complaint received 2020-10-21
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: Exeter Finance, LLC. (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Consumer complaint received 2020-10-21
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. (MA)

Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-21
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. (PA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (VA)

On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!
Consumer complaint received 2020-09-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP (IL)

My primary bank, Associated Banc-Corp, has elected to sell several of its XXXX, IL area branches to XXXX XXXX. As a result, they informed me by mail that they would also be transferring my deposit accounts by XX/XX/2020 to XXXX XXXX. I do not wish for my deposit accounts to be transferred to XXXX banks. They do not offer the same quality of services that I have through XXXX XXXX. I have a Mortgage, Direct Deposit, several deposit accounts, and many E-billings setup through XXXX XXXX  and it will cause me a great deal of burden to manage the transition to a new bank. Since the Mortgage will still remain with XXXX XXXX, this also causes undue burden in managing that payment. 

I have contacted XXXX XXXX  to inform them that I do not wish to have my account sold to the XXXX XXXX. They in turn refused to honor my request and informed me that I must create completely new deposit accounts at another branch in order remain with them.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (WV)

On XX/XX/2018 I applied to get an Equifax Credit Score check report. I submitted all my details and authentication questions. I understood my credit card would be charged but as I clicked submit I got an error message saying my process could not be done from Equifax side. I assumed since they could not provide my report that my credit card would not have been charge, yet it was. {$23.00}. When I try log in, it says my account needs to be reauthenicated and I And purchase this service. I have paid {$2300.00} for nothing from Equifax and i need my credit score report for a rental application.
Consumer complaint received 2020-10-21
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. (HI)

My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.
Consumer complaint received 2020-10-21
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: U.S. BANCORP (CA)

On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with this account.