davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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. (IL)

XXXX credit card has reported my XX/XX/2022 as late on both XXXX and Equifax. I spoke to an XXXX agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and Equifax XXXX He did research and agreed that this was an accidental error on XXXX end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and Equifax. Which I did dispute this error on or about XXXX Equifax updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both Equifax and XXXX updated to XXXX being paid on time and my credit score reflected the correction. Assuming this error by XXXX Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from Equifax saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my credit score on both XXXX and Equifax. Admittedly I freaked and immediately researched the cause of this drop. My XXXX XXXX payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and Equifax in regards to this error once again. 

Equifax completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called XXXX on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this XXXX agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the XXXX Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or XXXX Employee Number.
Consumer complaint received 2022-07-03
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: Bread Financial Holdings, Inc. (WA)

I received an alert from XXXX on XXXX that I had a new credit inquiry from Comenity Bank. This inquiry was generated without my permission, I did not apply for any new credit with Comenity. The alert referenced my XXXX XXXX XXXX account. This account has been closed since XX/XX/XXXX. It did report a balance until I paid it off in XX/XX/XXXX. Again, I did not authorize this inquiry and there was no reason for them to pull my credit report. 

I attempted to contact them immediately, their customer service line was down due to a " customer service outage ''. I later found out that their customer service had been down for the better part of a week. I suspect this was a data breach but they didn't say that. When I was finally able to contact them on XXXX they could provide no information as to why my credit was pulled.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!
Consumer complaint received 2020-12-26
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: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-01-02
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. (FL)

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I had open a previous complaint about chase and chase add documentation and one of the documnetation showed that my account was closed at the end of XXXX to the first week of XX/XX/XXXX And the documentation also stated that they closed my account do to information they received from XXXX If that was the case why chase has been reporting information to XXXX XXXX XXXX  Which is showing a amount of XXXX that went thre the account XXXX I never had a account with chase in XXXX so were is this report coming from with this amount of money. I have attached a copy of my XXXX XXXX  report from XXXX
Consumer complaint received 2021-08-14
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. (NJ)

I mailed multiple disputes letter to Equifax, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (LA)

I have paid XXXX XXXX off in full Its on my credit ewporrs saying I owe I have medical debts that I know nothing about they haven't swnr mw anything or validatwd these debts or showed they have authority to have these debts
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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 2020-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

I was made aware XX/XX/XXXX that my ex wife had obtained a credit card in my name with out my consent or knowledge and had been using the card sinceXX/XX/XXXX and had been making payments on the card wit the XXXX XXXX account and in XX/XX/XXXX she made a XXXX dollar payment on it with a joint checking account with mine and her name on the checking account and now the company says that i am responsible of the total debt. Even Though i have never had any knowledge of the card and all the info i have received from citi bank in the last 11 months. I have continuously asked them for there securities services to send me all info on the account. In writing and over the phone they have told me numerous times that they could not because i was a victim of fraud and identity theft. every time i've called them and explain they instantly close the account. But i have been talking with an agent named XXXX in security services he has said that there has been a lot of bad behaviour on this account i've asked for the signatures on the account and he tells me that he can not provide them to me. This account was opened nine months before i moved to the state of oregon. At the time my address was in XXXX  Id. I did not move to the state of oregon so in the last 11 months of talking to citi bank i have found that my ex wife was responsible for using my personal info to obtain and use a card in my name with out my consent or knowledge. Citi bank has told me that she has used XXXX XXXXy and XXXX XXXX  accounts to pay for things on XXXX. Then she did a XXXX dollar transfer that they wont tell me what its for they say they cant tell me anything because i'm the victim of theft but they call continuously and threating that i need to make a payment or they will start legal proceedings. I have told them that i refuse to pay on or for an account that i never opened or used. But because of one payment she made on it with a checking account we shared so they say i'm responsible. What i would like is to have the calls stop and for them to go after the responsible party. The reason i found out about the account was that my ex wife had changed all her contact info for this card from her info to mine. When they called i told them i knew nothing about it and we have going back and forth over this i've given them her info and they still call and threating me
Consumer complaint received 2021-08-14
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. (NJ)

XXXX XXXX only removed there account from 1 bureau XXXX. They neglected to remove it from equifax and XXXX. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

XXXX is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXXXXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXXXXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - 30 60 On Time 30 Days Late 60 Days Late - Data Unavailable
Consumer complaint received 2022-08-09
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. (FL)

I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX  Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry EQUIFAX CREDIT BUREAU Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry
Consumer complaint received 2022-09-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP (SD)

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was XXXX  in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.
Consumer complaint received 2021-08-14
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: WELLS FARGO & COMPANY (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MS)

My name is XXXX XXXX. My complaint is about PayPal. 
I have a PayPal account. 

On XXXX, my oldest daughter got funds to assist her and the family through the state SBA but since she doesn't have a bank account because she is about XXXXyears old, so I used my PayPal account to receive the money. 

I was able to withdraw some, but PayPal later freeze my account with more than {$37000.00} on it. PayPal said they noticed attempt for me to withdraw funds all the time. But the question is, was the money not to be spent? PayPal has not given me an answer to this. 

Well, I reached out to them several times and it takes them time to respond. 

I have been in communication with a Lady who said her name is XXXX XXXX from the office of executive escalations and promised me that my funds would be held for 180 days after that they will give me instructions on how to withdraw the funds. I agreed. 

My issue is, I didn't add a bank account to my PayPal and the few cards I linked to my PayPal as at that time are all closed. 

I reached out to XXXX XXXX and asked her to allow me to link a bank or a card to my PayPal account so I can be able to withdraw my funds after the 180 days but she didn't give me a satisfactory response. 

I also asked her to assure me that I will be able to link my bank or card to my PayPal account after the 180days is over so as to withdraw my funds and she didn't respond. 

I told her I will not accept a cheque/check as I have read bad reviews about a cheque from PayPal and as such it is necessary they allow me to link my bank or card to my PayPal account so that after the 180days is over, I can withdraw my funds to my bank. 

I also told XXXX XXXX that I am considering traveling to XXXX next year for a job in XXXX and as such, it is necessary I link my American bank or card to my PayPal account now when I have not travelled. 

The 180 days will be completed before end of XX/XX/XXXX according to PayPal, but I was considering traveling to XXXX ending of XXXX or first week of XXXX. So it is necessary for me to link my bank to PayPal now because I can not receive a PayPal check/cheque when I'm in XXXX but if my USA bank or my US card is linked, I can withdraw my funds to it irrespective of where I will be. 

XXXX XXXX said I can contact customer support on a later date to assist me in linking my bank. So on Wednesday XX/XX/XXXX I contacted PayPal and spoke with someone and they said I can only request for a check/cheque after the 180 days is over. 

I was also having issues with logging into my PayPal account but the customer service representative helped me and resolved it when I spoke on the phone and I can now access my PayPal account. 


My only issue with PayPal at the moment is for them to allow me to link my bank account or my card to my account or for them to assure me that I can link my bank or card to my PayPal after the 180days is complete.
Consumer complaint received 2022-10-09
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. (CA)

Hi, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are effecting my credit score. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.