davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
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. (MI)

Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the bible. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX followed tax law and im asking Equifax and XXXX   to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX  and XXXX. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect XXXX and Equifax to do the same or they to are commiting fraud.
Consumer complaint received 2022-03-23
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: CarMax, Inc. (RI)

In accordance with the Fair Credit Reporting act XXXX  Account Carmax auto Finance # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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. 
15 U.S.C 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. 

If you wont delete the XXXX late payments I want the trade line to be deleted.
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: Experian Information Solutions Inc. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting this letter to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I am disputing incorrect information that is being reported by Prestige Financial Services. This company is failing to report all of the payments made during the loan. Prestige Financial services is failing to report payments made for the following months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The company is also reporting derogatory information for XX/XX/XXXX when the loan was paid off in good faith. I have contacted Prestige Financial Services and they are refusing to update the correct payment history on my credit report. The company is also refusing to investigate with their last response as " THEY BELIEVE '' the information Is correct. There isn't any accountability for this company to report accurate information as I am being told to file another complaint. I will continue to dispute this information and file complaints until this information is updated or removed from my credit file as it is correct information.
Consumer complaint received 2022-03-23
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)

I contacted Equifax XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move.

After Equifax received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Equifax responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life.

They made no effort to contact me within the 4 business days required and its preventing me from moving into an apartment home. 

Ive attached Equifaxs responses and have the full transcripts via the XXXX XXXX XXXX XXXX XXXX XXXX. The complaint was closed without resolution.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report. 
'
Consumer complaint received 2019-03-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

i requested for a loan modification with Wells Fargo during a hardship, they did not include my husbands income or child support court ordered income or my income for a rental property and they basically denied my application stating i would be eligible for a short sale which was something I was trying to avoid. I would like my information reconsidered for better options.
Consumer complaint received 2022-01-30
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: CITIBANK, N.A. (KY)

On XX/XX/2022 I received some letters regarding some inquiries with citi group, XXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for them.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

Date of Application XX/XX/2019 This letter is regarding account # XXXX, which Wells Fargo claim DENIED APPROVAL FOR CREDIT CARD. This is a formal notice that your claim is disputed. Allegation of late payment reported on credit file. XXXX Credit report have 1 delinquent payment that does not exist. Plain English ; The link stating late payment, when clicked comes-up 0 late payments.

Not enough credit cards accounts paid ; all credit cards are paid monthly ; on time.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (PA)

I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.
Consumer complaint received 2022-08-08
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2019-03-25
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: HYUNDAI CAPITAL AMERICA (MI)

I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.
Consumer complaint received 2022-03-23
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (NJ)

I have had to review my checking account for legal reasons in fine detail ... I dont have an account with Syncb Payment XXXX Georgia ... They have charged me {$100.00} on XXXX 2018 ... I have had hacking into my email, account and now also my checking account with XXXX XXXX XXXX Kindly address this issue, thank you ...
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

The vehicle was in Hurricane Harvey I have paid on the car to save my credit however I can no longer afford 2 cars the car was to be paid off by the insurance company in which I was told my coverage had lapsed at the time. I'm need this corrected on my credit report as a natural disaster so I can keep the little credit I have intact.
Consumer complaint received 2019-03-25
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. (NY)

I submitted a police report for fraud accounts and fraud addresses, appearing on all three credit reporting agencies. XXXX and XXXX removed all the fraud accounts and addresses but Equifax still showing all the fraud accounts and addresses on my credit report.
Consumer complaint received 2022-08-08
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. (OH)

XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. Equifax and XXXX dispute has been denied as well. After going on websites though portal. Still denied.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial (NY)

I had a rental lease agreement with this company in which the agreement was misrepresented I was being forced into a new agreement in which the total amount due was twice as much as the original one I tried to work with company to pay down on what was owed but they wanted an unreasonable amount when furniture wasnt worth what they were asking for then they put my account into collections
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

Received letter XX/XX/XXXX my checking access frozen ... 

Called Fraud Prevention XX/XX/XXXX Was told they are closing my account and that I would receive any funds in the account after 30-60 days After 90 days still no check {$6000.00} Called back to XXXX Citibank and asked to talk to supervisor they told me that there was a block on my account and they were closing the account Called and spoke to XXXX she referred me to XXXX dept. XXXX choose option # XXXX Doesnt know when the account will be closed. 
Supervisor XXXX. 

XX/XX/XXXX Following up called Citibank because I had not received anything in the mail as promised. 
Update new address : XXXX XXXX XXXX XXXX XXXX XXXX  hi XXXX As always I am on hold now for hours XXXX and still nobody is coming back. 
It is my request now to fly to mainland XXXX XXXX and retrieve my money owed. 
As there is no local branch of Citibank.
Consumer complaint received 2021-05-05
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. (NJ)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2022-03-23
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. (TX)

in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, 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 2021-05-05
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Chase Executive Office Claim ID XXXX Notice of Dispute I disagree with the outcome of the investigation. 
XX/XX/XXXX In the late XX/XX/XXXX Ive made a purchase from XXXX for an XXXX XXXX XXXX XXXX. After short evaluation at home, Ive came to the conclusion that the unit had defective battery it was either discharging quite fast either failed to fully charge ( up to 100 % ). 
On XX/XX/XXXX Ive requested a return for a refund from XXXX. Unit was shipped to XXXX via XXXX XXXX XXXX and delivered as of XX/XX/XXXX completely within XXXX Return policy. 
Please, consider supporting documents attached. 
Im kindly asking to continue the investigation and credit {$1500.00} back to XXXX XXXX account. 
Kind regards, XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-05-05
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 ()

Good Day Ma'am/Sir PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently, and Paypal is accusing me for sale of unapproved file sharing services and monetery damages without any evidences, I'm asking them evidences but they just always answering me that the decision is already final. My email linked to my PayPal is XXXX and XXXX XXXX