davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MN)

Americollect is not registered to collect medical debts in Minnesota. The company has repeatedly not responded within 30 days and continues to report unverified, inaccurate information against me. XXXX  and XXXX  has already deleted these accounts from my credit report for FCRA violations. I have attached proof of this. I am requesting Americollect removes the two alleged debts against me for FCRA violations immediately.
Consumer complaint received 2022-09-26
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. (SC)

I have sent emails to XXXX, Equifax, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Neon Newco Corporation (OH)

I opened a deposit account with XXXX XXXX, part of Netspend Corporation, on XX/XX/20, using a referral link from another accountholder. The purpose of using the referral link was to receive the advertized {$50.00} referral bonus that is promised to both the referring accountholder and the referred accountholder. Moreover, I referred another person to open this account in hopes of receiving another {$50.00} referral bonus as promised. I followed all required activities to get the bonuses ( activated debit card, opened savings account, had a direct deposit, etc. ), but I did not receive any bonus. After reaching out to the customer service of XXXX XXXX, I was told that I am not eligible for any bonus because I have a pre-existing Netspend account. I argued that this was not mentioned in the terms & conditions for the bonus, but I was still denied.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (IN)

Never been behind on a car payment since XX/XX/2019, have actually been ahead atleast a month or more. But when I got cut over half of my hours at work due to the Corona virus, I called Westlake financial and ask them to please let me make partial payments or if my payments could be lowered. They refused and now are harassing me several times a day on the phone, and sent a negative report to my credit
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the wrong item instead. Therefore, on XX/XX/2020, I submitted a dispute through XXXX, which XXXX denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, XXXX supported a fraudulent transaction with the merchant. In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. However, I received a small package of two masks instead of the sewing table I ordered.Then after further research on the merchant, there were other complaints about the same issues regarding fraud.
Consumer complaint received 2021-08-07
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. (MA)

I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA
Consumer complaint received 2020-07-09
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (LA)

The primary borrow filed chapter XXXX bankruptcy and didn't tell me he was doing so. The vehicle was included in his bankruptcy but the financial institution is still reporting 2 years after the bankruptcy that I owe the full amount. I have called the company and they have XXXX records for me. It has been transferred to their asset recovery division but repeated attempts to contact them fail and they say they are closed.
Consumer complaint received 2019-03-08
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: Bliksum, LLC (CA)

I was checking my Credit Report and noticed XXXX XXXX XXXX on my Credit Report. I do not recall at any time applying with this company. I am requesting that this is removed from my Credit Report or if XXXX XXXX believes they had permission please consider this my formal request for a copy of the credit application, which by law they have to maintain and provide.
Consumer complaint received 2019-03-08
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)

My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX  police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX  XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate General Counsel EQUIFAX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX   XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX credit central {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX   XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-08
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MI)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

DPT EDXXXX {$30000.00} FORD MOTORS CR {$9600.00} XXXX  {$160.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$770.00}
Consumer complaint received 2019-03-07
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. (NC)

On XX/XX/XXXX, my wife and I sent an investigation request to Equifax. We wanted them to investigate erroneous information that appeared on our credit file. My wife received her investigation results in a timely manner. However, more than 45 days have passed, but I have yet to receive my results. Our investigation requests were made simultaneously, so there is no explanation for why my response is delayed.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employer : State Of XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

I have contacted the Loan Servicer Selene Finance numerous times. The company charged me XXXX in error for my mortgage payment. For the last 6 months XX/XX/2021 to Present I have been charged more than I actually owe. I would like a refund for that amount. I had to borrow from family to pay the additional amount so I would not lose my home. I would like and audit of my account showing the following : The amount that was applied to the Principle Balance each month - The amount that was charged/applied as interest each month - The remaining balance after each payment - The amount that Selene " is crediting the account for the difference in the payment amounts for the XX/XX/2021 through XX/XX/2021 installments. '' as stated in Selene 's letter dated XXXX XX/XX/2021 to the XXXX. 

I have requested this information in writing and also via phone call and I have not received the information from Selene Finance. 

I have also been told by a customer service rep. that my loan is being transferred to another servicer. I would like this information before my loan is transferred how do I know if the amount transferred is correct. I have asked to speak to several managers and I have not received a call back.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

I can not link my bank account with XXXX to connect to the XXXX XXXX XXXX. I need this app to help me manage withdrawing the proper amount of money for taxes from my paycheck, as I am an independent XXXX. This is quite frustrating, as I already went through this once linking to XXXX.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a {$100.00} prepaid vanilla gift card as a birthday present. On trying to use the funds it was rejected multiple times. I called the help line and was advised to provide proof of purchase and some identifying information. I submitted all information that was asked. Over the last couple of months I have gone back and forth with Incomm about this and they have ( so far XXXX refused to honor or credit the card.
Consumer complaint received 2020-05-29
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}
Consumer complaint received 2018-09-27
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. (NC)

To Whom it may concern, Hope this day finds you well. 
I am a victim of Hurricaine Florence. I called to inform the Credit Card Chase Slate company to set up arrangements for payment.. First I want to explain I was misunderstood about the APR. % I understood I could try to get a lower percentage after 6 months. No one could do this. Not one time  have I been late in 2 years of having this Chase Slate Credit card. I have recently dealt with numerous hardships. Homeless XX/XX/2018 per a Landlord who claims he owes Federal and State taxes to IRS even though he verbally told me on phone for additional 1 year lease for my daughter to stay in the school she was attending.. A divorce on XX/XX/2018 and to follow Divorce hearing tommorrow XX/XX/2018, and Hurricaine Florence XX/XX/2018 that left my " paid '' car totalled out from water and electrical damage from flooding. The way I have been treated from this company has been very devastating I was basically the phone begging for help by 5 different " associates '' for approximately 5.5 hours only to be denied an  arrange for hardship only to be confused with paying them prior to my due date.. You see I am a XXXX XXXX and I can not miss work or sign a contract until after my divorce hearing tommorrow XX/XX/2018. So that means NO Income at this time. They had a XXXX payment coming out of my account for XX/XX/XXXX then XX/XX/2018 and XXXX XXXX dollar payments coming out of my account for XX/XX/2018 until I found that they did have hardship for hurricane. All I wanted to do was close my account and set up monthly payments near 200. Now it is XXXX a month. I can not pay this amount and I am trying not to let it affect my credit score. They keep denying me. I will send this letter to you in good faith if someone can please investigate. I am continually hearing that they can't do anything for me. I have to work. I do NOT have time for this anymore. It has caused intense stress and they belittled me many times over. They then referred me to a Credit counseling agency XXXX XXXX that required a higher percentage rate and informed me well that I can't buy a house with this credit until paid. Really? I lost my car, my home and divorce All in one month ... .. XXXX XXXX wants to Tell me that for about an hour on the phone too. I do not wish this for anyone else. 

Again Thank you for your time and have a good day. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (PA)

According to XXXX XXXX XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Consumer complaint received 2020-11-25
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-11-25
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.