davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

Dear XXXX, Equifax, XXXX, Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-04
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. (GA)

I sent a letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address on XXXX XX/XX/2020. Equifax refuse to update my address and send me my free credit report by mail, yet they was billing me for online access to Equifax.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

So I had received a call saying a owed money for XXXX XXXX XXXX XXXX but i thought it was a scam and i cut the call. However, I received a main XX/XX/2021 stating that this was an attempt to collect debt. I contacted XXXX  and they said I don't owe anything and nothing was reported for collection. I called the number on the letter and they stated that enterprise doesn't have information on this, which is clearly not true. I genuinely think this is a scam because I have never rented a car with XXXX and and confirmed with them too that I don't owe anything.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

On XX/XX/XXXX at approx. XXXX EDT, I spoke with a XXXX representative. I was informed that Loans 1 and 2 were on PAYE while Loans 6, 8, and 10 appeared to be on IBR because Grad PLUS loans are not eligible for PAYE ( which is not my understanding ). When I filed my original income driven repayment application with XXXX ( my old servicer ), all the loans covered by it were put on PAYE and in section 2, box 2 of my original application, I specifically requested loans be put on the PAYE repayment plan. As such, no loans should currently be or ever have been on IBR.
Consumer complaint received 2022-09-22
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: Credit Karma (MI)

I applied for a pre-approved credit card on credit karma for a XXXX  XXXX credit card and was denied after credit karma said i was preapproved for the card which has affected my credit score and unnecessary inquiries on my credit report. XX/XX/2020 XXXX
Consumer complaint received 2021-05-24
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-08-29
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. (DC)

XXXX and Equifax both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Consumer complaint received 2019-03-19
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. (FL)

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX/XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I have requested for US Bank to remove my PMI multiple times since I have reached below 78 % of LTV and they refuse. They want me to pay for an appraisal and legally this is not required. According to the law establish by the federal Homeowners ' Protection Act, which applies to people who bought their homes after XX/XX/XXXX mortgage companies are required to AUTOMATICALLY terminate my PMI at 78 % of LTV, I am at 77 % as of XX/XX/XXXX, and bought my home in XX/XX/XXXX. I have also never been late on payments and have over 2 years of good payment standing.

I have called twice and sent secure email messages through their website on my account 3 times and they just say they need a written request and {$150.00} for an appraisal. The representative I spoke to on the phone said they " never '' automatically terminate. I informed her that by law they have to and that it says that is their policy in the FAQ section of their website.

They also took over 2 weeks just to review my account to tell me they will not do it without an appraisal. I don't want to have to take legal action but they are not following the law.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Very poor communication and readiness of Ditech Financial LLC in communication with customers in the changes in account structures, new account numbers and customer service. First, in XX/XX/XXXX received the lump sum payment as was practice for both mortgage and insurance and applied the entire amount to principle as opposed to mortgage and insurance payments. This was resolved after finally getting customer service on the phone with extended wait time. XX/XX/XXXX, received notice of new account number for insurance payment and that we would also receive a new account number for mortgage all still with Ditech and to be made separately to different addresses with new account numbers for future payments and notice of Chapter XXXX for Ditech. XX/XX/XXXX, new account numbers not yet provided and informed to still send lump payment and told by customer service they would still separate and the online account services would be unavailable for a few days while upgrades were made. Ditech received the lump sum payment as of XX/XX/XXXX ( due XX/XX/XXXX ) and did not post the mortgage payment as paid until XX/XX/XXXX and still showing on line the insurance payment due which is not correct as all was sent. Email customer service and never get a response other than a letter without resolution.
Consumer complaint received 2022-06-25
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. (PA)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Balance : {$330.00}
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.

** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!
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: EQUIFAX, INC. (NC)

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/20
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ). 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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 are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-04-06
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 ()

My agency send me my salary in paypal for almost 5months now and last month XX/XX/2021 i was expecting that i get my salary again but when i checked my balance i have XXXX balance in my paypal. That's why i checked my email and its say 's that my money is been hold. Then i provide the information they asked. Then they emailed me again after a week. And it's say that i can't no longer use my paypal account and wait for 180 days to get my money. But i don't have balance in my paypal account, nothings indicate there that i have money on hold in 180 days. I am not sure if this is some mistake that i assume it has to be. I have not been able to get help from them for a month and someone tell me that i could file a report here as i feel that they not doing there job properly and it's effecting me a great deal as i used Paypal to get my salary from my work. Paypal closed my account for no reason. Please help me get my salary. My email linked to my Paypal is XXXX. please thankyou and Godbless. I hope that everything will be ok.
Consumer complaint received 2021-04-06
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. (FL)

Hi, I am victim of identity theft because all these accounts are not mine, and somebody just put them into my credit report. This is ridiculous. I am very sad now to see this kind of tragedy of Bureaus failures. Why they can not check and validate before they put in people reports misleading information? My life is divided between before and after because these unknow items killed my score and I can not do anything with it now until you guys help me and investigate who could do that and who stole my personal information. Please also remove these terrible unknow items from my credit report. I would appreciate if it takes little time for you.
Consumer complaint received 2022-08-13
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: LEXISNEXIS (TN)

I recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with neither of these apartment complex or these addresses.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX Paypal suspended my account and froze my fund of {$2400.00}. They alleged a violation of their terms of service however would not disclose what that was. They emailed me that day and informed me they would be holding my funds for 180 days in case of fraud and would message me about how to access my funds after that. On XX/XX/XXXX they transferred all {$2400.00} out of my account with the description of : '' Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''
Consumer complaint received 2022-06-25
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. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$23000.00}
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Back In XX/XX/XXXX XXXX I had a late fee the following month I paid my bill in XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on cXXXX XXXX and noticed the late fee had never came off. 

I had called discover and am still waiting for late fee to be removed.
Consumer complaint received 2022-06-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (SC)

XX/XX/21 NCB threatened to make my credit bad and stop me from establishing good credit again. They open this account on XX/XX/21 without my awareness. And reported to the credit bureau as a collection account. Once they seen I was trying to purchase a home the company then made the account an open account on my credit. Now the account is on my credit is an open account that I just started with them
Consumer complaint received 2022-08-13
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. (TX)

To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX  XXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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 (VA)

XX/XX/XXXX, account frozen by Venmo for unknown reasons. Company refuses to disclose reason or a timeline for resolution. {$700.00} rent payment from my roommate is locked in the account so I can not pay our rent. Company will not refund payment to him or allow me to transfer to my bank. Multiple agents and supervisors will not disclose reason for freezing the account or allow me to speak to someone in the department that would know. Researching online, this has been a recurring issue and seems like it could be a scam to accrue interest on accounts with larger sums of money in them? Have already filed complaints with the FTC and XXXX.
Consumer complaint received 2021-12-09
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. (CA)

I became a victim of identity theft XXXX  of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I have written 2 letters informing Transworld Systems Inc. that the XXXX bill does not belong to us. The bill was for a shipment that did not originate from the address indicated and the billing address was for a company that does not exist. I suggested they contact the sender indicated on the bill or the recipient indicated on the bill for payment.