davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I was not notified and was unaware of this medical balance till I saw it on my credit report about 6 months ago. I contacted the company and disputed it but I did not get a explanation of the debit and they could not provide any information, just stated that they do not own the debit and they would contact the original creditor XXXX XXXX  which is not a hospital here in XXXX, FL. This has now negatively effected me in my home buying process.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NH)

In my Venmo account money got transferred to an inactive account. I reported it and it has lingered on for almost! 2 weeks now. I have been promised multiple times it would be corrected. I also have emails saying my account would be unfrozen. No one seems to want to or care to help
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation (MI)

The first complaint was withdrawn by an employee of CFPB by mistake. 
Indebted USA , Inc has violated my federally protected rights under the FDCPA. Indebted employee has contacted me multiple times violating 15 U.S.C.1692c-1. Provide the requested documents in attachments. And your now on notice to cease communication from all mediums, correspondence can be sent through cfpb or mail. Contacting me by any other medium will be a violation of my rights.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get all three credit bureaus ( Transunion ) ( XXXX ) ( XXXX ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX Merchant XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Consumer complaint received 2022-08-18
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-08-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-08-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-27
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: FC HoldCo LLC (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 S section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

PayPal reported delinquency to credit bureau for $ XXXX I received notification from credit reporting through my bank account on Sunday XX/XX/2020 and confirmed via my XXXX paid subscription XX/XX/2020. 

I contacted PayPal Mastercard via XXXX, the number reported on the credit report XXXX placed me with a representative relating to my XXXX XXXX XXXX account and not PayPal. 

I was advised the charges related to interest charges for the balance paid in XX/XX/2020. XXXX, the representative assisting on my call on XX/XX/XXXX, waived the fees and advised my new balance was {$0.00}. 

I have not reflected any delinquencies on this account in over 2 years and have " Paid as Agreed '' - I have requested PayPal update my credit report immediately as I am in the process of making a significant purchase. This delinquency relating to {$8.00} that I have not received a statement for reduced my credit score by 87 points and took me down 4 bands in the Loan Risk Rating thereby increasing the interest rates for the loan I will be requesting. This update PayPal has made without making any attempts to speak to me as the consumer will affect my life for the next 7 years.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I submitted my request for my free credit report online to Experian they did not make it available. They stated I could pay a dollar and get my FICO Score. After paying {$1.00} I did get a report with no FICO Score Membership ID XXXX, It states Credit Report Prepared for XXXX XXXX as of XXXX. I wanted to dispute XXXX account XXXX XXXX which I did not have in XXXX, Another Disputed account XXXX XXXX XXXX who I corrected with the help from your organization and should have been cleared it was closed. by XXXX XXXX to avoid litigation. Also I wanted to dispute XXXX from XXXX. 
All though this information came from them when I wanted my credit report they did not provide it nor the credit report number so I could dispute the above information. 
All of my information was confirmed to them current address, XXXX XXXX XXXX Address in XXXX, Telephone number ending in XXXX. 
All I want is my full Credit Report guaranteed by Law so I can see exactly what is being reported. They did get the extra dollar to tell me I do n't have a FICO score.
Consumer complaint received 2019-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( Equifax, XXXX and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

I previously have filed a related complaint on " didn't receive advertised offer '' ; now I am filing for " misleading and confusing terms ''. 

I have applied for Chase freedom unlimited because of a promotion mail last week. I searched for the freedom unlimited card online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which clearly states 5 % cash back on groceries store up to {$12000.00} within the first year. As of Tuesday ( XX/XX/2021, see screenshot attached below ), I searched Freedom unlimited, and the first link title advertised for the 5 % groceries store cash back. With these in mind, I applied through the link provided in the mail. Then I noticed that the 5 % groceries is missing, but it is still the exact same card, so I called the customer rep. The customer rep repeatedly confirmed that the 5 % cash back on groceries promotion ended as of XX/XX/2021, and I applied XX/XX/2021. However, all the official websites and links still have this promotion. I was very confused, and filed for the first CFPB complaint. 

Next, XXXX from executive office got back to me. I actually was not able to reach him for a couple of times, but then finally reached him through another exec. He did not mention what the customer rep have said, and simply said that my offer through the mail is different from what is widely advertised online. I then asked for a public offer match, he deferred me to the marketing team. One marketing team manager indicated they would look into why my mail offer was different ( she said they do not know why my offer was different and not sure what was missing ; if it is a mistake they would correct it ), and was not able to provide an answer immediately. She said they would get back to me in 3-7 business days. Next, XXXX from the executive office called me, saying the same thing XXXX told me initially. 

Since there is 1 ) no timing difference between my mail offer and public online offer, and 2 ) no source difference ( all from Chase official channel ), I do not understand this promotion difference. It seems freedom unlimited promotion team or marketing team or operations team was intentional in tricking the customer. It is common for customers to look up a card, the reviews, and related information online. The online official website did not clearly indicate that offers maybe different from mail, which may exclude any of the promotion offer.

Thank you for the help.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-08-18
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)

On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from Equifax and XXXX by mail with the correspondence date of XXXX XXXX while XXXX " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while XXXX, and Equifax have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX XXXX updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report.

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Direct payment funds withdrawn from bank account and deposited to ChaseVisa for {$12000.00} Rolling and other charges declined on card XX/XX/XXXX XX/XX/XXXX called Chase and was told that even though they have my money that wont credit the payment until XX/XX/XXXX even though they acknowledge they have my funds. This took two calls and three people, including XXXX the supivisor who was rude and condescending. 

They won't do anything about that so my rolling accounts will continue to be declined until funds are released.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, XXXX XXXX
Consumer complaint received 2022-08-18
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. (MD)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX CREDIT BUREAU is required to remove any account not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}.
Consumer complaint received 2022-08-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX College located on XXXX XXXX in XXXX, Ohio. I was enrolled in the XXXX XXXX program for XXXX XXXX. It was a 4 semester program. Halfway through completing the program we were notified that XXXX XXXX was not locally, regionally, OR nationally accredited or recognized by the XXXX XXXX XXXX as an official school of XXXX. They were closed. However, before they closed, I lost a minimum of {$20000.00} in financial aid to them paying for tuition costs, books, lab fees, etc. to obtain by degree in XXXX XXXX. I have tried to work this out through my loan servicer Navinet but have been unsuccessful. I am requesting loan forgiveness or cancellation due to the school closing. Since XXXX closed, another unaffiliated school by the name of XXXX XXXX has opened and they offer XXXX classes. No school in the city or state of XXXX, however, will accept or honor any of the courses students have taken at XXXX College in XXXX, Ohio. This was a complete loss to me both financially and in terms of time. Navinet claimed that they were unable to verify that XXXX was closed ; however, it is not very hard to find that information if you really look for it. I have proof that it was closed. It was not accredited.