davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Persona information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}
Consumer complaint received 2016-10-29
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

The gift card that I purchased has had fraudulent charges placed on it and I have lost nearly all of the value on the {$200.00} prepaid U.S. Bank MasterCard gift card that I purchased from Office Depot. I did not make the purchases and I still have possession of the card so I 'm not sure how these charges were even made.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

My loans were transferred to MOHELA this year. I have sent them XXXX emails about issues drag I need their help with and have had no response. I sent a letter by mail with delivery confirmation so I know it's received and I've had no response. I had a request to update my income based repayment, which they sent a letter to refuse to make the change and to let them know if I want the change. How am I to contact them if they respond to no communication? I'm hard of hearing and they don't have a TTY line, they depend on XXXX to call them. They absolutely don't take it seriously to help borrowers. I will be done with them with student loan forgiveness. However their inability to actually respond to any of my communications is absurd
Consumer complaint received 2022-09-08
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: ALLY FINANCIAL INC. (IL)

When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by Ally financial! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by XXXX XXXX XXXX XXXX i know nothing about.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NY)

Credit Karma has sent over XXXX 's of adds to my home, phone, laptops, computer, as I applied & an I feel has never intended to assist with credit card assistance ... .Just abused my personal info
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (MT)

When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.
Consumer complaint received 2022-09-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account : XXXX XXXX XXXX
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pressler & Pressler, LLP (NJ)

THIS COMPANY PRESSLER AND PRESSLER LOCATED AT XXXX XXXX XXXX XXXX, NJ XXXX THIS FIRM IS KNOWN TO RIPP PEOPLE OFF, IT 'S TIME TO REVEAL THIS LAW FIRM FOR WHO THEY ARE THEY THREAT PEOPLES, THEY BECAME RICH RIPPING PEOPLE COLLECTING OFF THE POOR, THIS FIRM NEEDS TOO BE SHUT DOWN THEY ARE FRAUDLENT LAW FIRM, THE ARE THREATING TO TAKE MY FUNDS, PLEAS INVETIGATE THIS XXXX, THEY ARE HARASSING ME THIS IS UNJUST.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) and do not have a contract with the original creditor ( XXXX XXXX XXXX XXXX  ) they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. An this information is not accurate also. Any Medical debt under XXXX XXXX Should be removed according to the new law that was passed so this account is inaccurate an is also going against the new law that was passed
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (GA)

XX/XX/22 I applied for several credit cards, that were chosen by Credit Karma, claiming that my approval odds were outstanding. Cards that are among the denied were XXXX XXXX XXXX XXXX. My credit score then dropped after the denials.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (OH)

On or about XX/XX/2021, I made a purchase of a product and software service from XXXX for total cost of {$1000.00}, using Affirm credit services. XXXX failed to provide the product as described and sent a product that was far beneath what was advertised ( both the hardcopy material and the software ). I immediately contacted the XXXX, on or about XX/XX/2021 asking for a refund as I planned to return the products ( there are various emails of this ). XXXX refused, referring to their no-refund policy, which apparently fails to account for defective products and false advertisement. I then contacted Affirm, as the credit provider, on or about XX/XX/2021 to help resolve this matter. Affirm took no meaningful steps to resolving the matter, instead they only kept asking me to provide more information that I had already provided. They wasted time and finally asked me to pay them, saying that there was nothing that they could do to resolve the other company 's provision of a defective product and service that they refused to refund me for. Now, Affirm is trying to report the claim on my credit report and keeps calling me asking for payments. 

I would like to file a case against both of these companies and ask that they stop trying to charge me for a defective product that they refused to accept in return and to refund me for, as would have been appropriate.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (OH)

Were still in litigation in court with XXXX XXXX XXXX and they put a balance of {$980.00} on my credit through tek-collect collections agency. Since we havent had the final judgement from the court saying who has won the case, theyre not legally allowed to put a collection on our credit when we dont owe them any money since the judgement has not been made.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NC)

Up to XXXX to XXXX I seen a lot of advertising on Credit karma. They kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday. I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied in or around sometime in XXXX and I got denied for XXXX credit cards and a personal loan I was devastated. I was very upset. I felt lied too. I was marketed for months. Credit karma told me I was pre approved and they told me a blatant lie. I was severely stressed out. I was nauseous for weeks. I had headaches for weeks. Every time I seen I see pre approvals I turn off my phone because it has scared me away. Ive stopped checking my credit because of this.
Consumer complaint received 2020-08-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Nelnet has 2 separate loan accounts listed on all three of my credit reports. There is one loan and one loan amount only for the amount of {$12000.00}. I was late on XXXX and XX/XX/XXXX. Being that Nelnet has listed 2 separate loans, via my credit reports, it states I have been late 4 times ; this is incorrect.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Please do not mark as a duplicate. This complaint is intended directly to Equifax. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had two XXXX XXXX cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

Our company, XXXX XXXXs being burdened by PayPal inasmuch as they have forced a 10 % rolling reserve on our account which means that, for every transaction that they process for us, they are preventing us from accessing 10 % of the money we receive for 90 days. I requested that the reserve be removed a few times between XX/XX/XXXX and XX/XX/XXXX with various customer service agents. Most of the customer service agents had no idea what they were doing or what they were talking about and their responses were not even relevant to the question but, most recently, customer service agent " XXXX '' told our company we can only request another " review '' of the account to have the reserve requirement removed in 180 days ; which would bring us to XX/XX/XXXX for our next " review ''. Then, I requested to know why this reserve was applied to our account in an attempt to ensure that we fix whatever is causing this reserve requirement before our next " review. '' 10 % is a large part of our operating budget for each order. At this point the customer service representative " XXXX, '' whose message responses I will attach to this complaint, indicated that he would not let us know why the account was given a reserve requirement because that is part of their " internal process ''. I beg to differ and I believe we have a right to this information as, without this information, they can simply slap this requirement on us, anyone, or everyone with no explanation ; possibly to use the money themselves for the interim period to unscrupulously earn interest. Therefore, I believe we have the right to know why the reserve was placed on our account or, if there is no reason, get it removed from our account.