davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

I have previously been a victim of identity theft. I have fraud alerts set up with each credit bureau. I recently noticed a new collection on my credit report, I previously had none. I immediately disputed this, and it was deleted off my credit report on XX/XX/2016. Recently equifax reinserted this info on my report, and this is not my debt. It is for a bill that originated in XXXX, AL. I 've NEVER lived in XXXX, AL. This is a violation of the FCRA.The Fair Credit Reporting Act states in 611 ( A ) ( 5 ) ( B ) ( ii ) credit bureaus must notify you in writing in 5 days before they reinsert the past deleted item. I did n't receive any notification.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

equifax has incorrect information on my credit report i have tried to dispute it on line XXXX times it has let me go all the way through the whole dispute process and when i submit it it says online dispute is unavailable and gives me an online dispute form to submit i fill it out and submit the dispute form and equifax never acknowledges it. I also fax from XXXX a dispute and they never acknowledge it. i have been a victim of identity theft and possibly a merged file. They have a XXXX XXXX account on there that does not belong to me, i have disputed it on XXXX occasions with an FTC report, There is also incorrect dates from XXXX i did not even have a bill with them until XX/XX/XXXX, i have never paid them late. they have late payments from XX/XX/XXXX i didnt have a DTE account in XXXX i called XXXX they said they dont show ANY late payments. i have asked for verification have not received it. I am no longer an authorized user on the XXXX XXXX. That relationship was terminated months ago.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

I disputed this information and submitted a police report as well as evidenced by the attached. 
Equifax continues to report accounts that are not mine ( XXXX & XXXX ) and an inquiry I did not make. It has been long per their attached status update and nothing has been done. This willful non-compliance is causing me difficulties.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc (OR)

Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I opened a new Paypal account after Paypal kept using my bank account to pay for transactions and refused to remove it. I opened the new account and received 2 payments. Immediately, Paypal froze the funds after deducting fees and while holding my money ransom, they're now demanding government ID, social security numbers etc. I refuse to provide such sensitive information to an online platform as I do not know what they will do with it or how secure their systems are. I offered to provide proof of shipping but they're refusing to release my money. If they wanted ID and other personal information, they should have requested this before creating the account, before  accepting my money and before charging fees. XXXX from customer support now says they will refund the money to the payer. What about the fees they deducted? What about the items that were shipped to the customer? Who compensates me for Paypal 's bait and switch tactics? It's impossible to get through to Paypal 's customer service and I've tried calling and emailing them multiple times. This business 's practices are extremely fraudulent and deceitful. I want my money released as they have already deducted fees and customers have already received their items. It's illegal for a business to take my money on one set of terms, then demand items I  never agreed to and now refuse to release my money.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MO)

I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.
Consumer complaint received 2016-01-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Big Picture Loans, LLC (VA)

Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (GA)

My business received a customer payment in the amount of {>= $XXXX} ( XXXX XXXX ) on XX/XX/20 by bank transfer ( Transaction ID : XXXX ) PayPal incorrectly recorded and processed the payment in the amount of {$XXXX} ( XXXX dollar ) and moreover still has payment in a pending status so I am still without access to the funds after more than 60- days, more than ample time for PayPal to verify the legitimacy of the transaction and payment. The same customer submitted an additional payment on XX/XX/20 by bank transfer, which for some reason is not reflected in the attached transaction register.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-07-23
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: WELLS FARGO & COMPANY (IL)

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account XXXX  XXXX that begins or ends with XXXX
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (LA)

I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I am XXXX with XXXX ( " provider '' ) in XXXX XXXX for over 20 years .My account with this provider is XXXX balance. " XXXX XXXX XXXX ' ( " XXXX '' ) is a private collection agency who goes to these kind of providers and get old accounts and files into collection and report to credit agencies in quantity.In my case I have already paid the provider and this is the last bill as stated is XXXX. Regardless my multiple request with proof of payment XXXX continues to report the collection to credit agency ( " Equifax '' ) for XXXX dollar which does not exist except they claim this is interest charges from medical bill I presumably owed to provider. There is no balance how could be interest charges.These people have violated not HIPPA act accessing my medical bills but certainly are scam and try get XXXX people and good responsible citizen scare of their credit and make them pay based on distortion of their good credit .I have attached the proof they have destroyed my credit standing and regardless of my numerous notice to Equifax has failed to justify the consumer rights to the fact which the debt is a wrongfull claim. I do not owed any to XXXX nevertheless to provider. XXXX has long record of law suits by consumers .Equifax must act and remove all of their reporting from my credit. I am available to testify at any place and any time for this abuse from XXXX and Equifax failure to remove wrongful information .this is matter of principal a lot of people getting XXXX. We have to make the credit agencies such as Equifax reporting accountable for the justification of such reporting in the first place.There are XXXX people perhaps are the victim of wrongful reporting by these credit agencies for such this must stop.This is terrible.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

A few months ago I began receiving letters and phone calls from Lien Enforcement , Inc. demanding payment of {$4000.00}. At first, I thought it was a simple scam, but after receiving another letter, I called to investigate. I was told that this debt is from XXXX XXXX, a towing company that claims to have towed and held a car I once owned. I informed Lien Enforcement , Inc. that I had sold the car the year before, therefore, I am neither the legal owner of the car or the debt. They asked for proof that I sold the car, but I have no written proof, as I submitted the pink slip form to DMV to remove ownership of the vehicle from my name. The representative from Lien Enforcement , Inc. informed me that they considered the debt mine and that they would use all means necessary to collect. 

On XX/XX/2023 I received a " final notice '' from Lien enforcement. I researched the company and found that they have a high complaint rate with this agency, so it appears that I'm not alone in being falsely accused by this company.
Consumer complaint received 2023-07-23
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. (NC)

Account Name/Account Number XXXX XXXX XXXX / XXXX In accordance with the fair credit reporting act convergent accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 2022-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I held a lease with Audi Financial XXXX VW Credit and the lease was cut short six months early because of a vehicle accident in which the XXXX XXXX was totaled. Instead of acting fairly with me in the event of this accident, the company did not offer me to get a vehicle swap after the accident ( despite that being part of my lease ), nor did it give back a car payment made one day before the accident date at a prorated amount. It kept the entire payment on the grounds that it was my contractual obligation to pay them even without use of the car. The company offered no legal reason for keeping that car payment. It also kept more than {$10000.00} in overage fees paid by my insurance carrier, despite a clause in the vehicle lease that states I would be entitled to the overage payment in the event of a total loss. The company said they are the owners of the car and therefore get to benefit from any overage, so they in essence profited from my accident. The company 's own salespeople were shocked by this treatment. 

In addition, the company said that it could not take my bank off its autopayment service, so I would have to keep making payments for the car even though it was paid off in full for the car by my insurance carrier. Instead, it referred me to its web site to stop the autopayment function. Yet it's web site did not work and there was no way to unhook from its financial autopayments on the site. A woman at Audi Financial said she would mail me a form to get off autopayment and that form took two weeks to arrive ( past the date of the next scheduled payment for a car I no longer used ), so the company is doing everything in its power to keep cashing checks instead of looking out for its customers. When I asked for a number to complain to the company, a representative gave me a special number. When I called, there was a XXXX hour wait to reach a human.
Consumer complaint received 2015-05-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

My husband died XXXX years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than XXXX the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, but ca n't get anyone to speak with me in order to restructure so I can afford to repay.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

Seterus Inc foreclosed on our home in XXXX XXXX and satisfied the entire balance owed in doing so. They continue to report a {$230000.00} open balance on XXXX for our credit report XXXX info below ) although a {$0.00} balance is reported XXXX. Because they continue to report this balance, a loan we are applying for on our present home is being denied XXXX until I can prove that the balance was liquidated at foreclosure by providing a copy of Setrus 's XXXX XXXX XXXX or a correction XXXX. Reporting XXXX is correct. I have waded thru interminable blocking phone menus and interminable CSR wait time to contact Seterus three times. The first time we spoke, XXXX XXXX, XXXX, they refused to talk to me at all because I had been represented by an attorney during the foreclosure. ( Note : this is consistent with their policy in mailing the XXXX in XXXX. They said they would and did only send it to my attorney, which caused significant delay in filing our taxes - he never received it. ), they said my attorney would have to call them XXXX at {$300.00} per hour ). The XXXX time I spoke to them, on XXXX XXXX, XXXX, they allowed that they would speak to me if I faxed a letter stating I was not represented by an attorney. I did so the same day. Today, they will speak to me, and have agreed to provide the XXXX within XXXX - 10 business days and correct the credit bureau report within tbd days. 

I am seeking XXXX action items:1. Faster response, as in today! I urgently need the XXXX or I will lose my application fee XXXX because the loan will not be completed on time. 
XXXX. Long term, their policy of not providing me tax forms, info and corrections to my loan without going through the attorney I used XXXX years ago is inane. Every other creditor, for example, provided XXXX directly to me even though they knew I was represented by an attorney. This should be changed at Seterus and across all lenders. 

Personal info is as follows : Seterus Loan Number : XXXXBorrowers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX telephone and fax : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX balance of {$230000.00} reported to XXXX Credit Reporting Agency
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
Consumer complaint received 2023-04-15
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. (PA)

I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX