davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I was inform that they had did an investigation of the inquiry that is on my credit report but I don't see how when I call the credit card companies they had no record of me applying with there company If the other two bureaus deleted the information how is it that equifax come with it as verify I want to know how did they verify these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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. (IN)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the inquiries below to be deleted/removed from my Equifax because according to 15 USC 1681 , I have the right to privacy and I did not give Equifax written or verbal permission to furnish information to these creditors. 

XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX DateXXXX XXXXXXXX, XXXX XXXX Collection Agency XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

XXXX is extremely slow in updating files, they should be made updated once a week or sorry no can't post Like you they force people to use thier, words that are to their liking. We should be allowed to enter our own words no swearing Inquires should not cause your score to go, and late payment should not be on anyone 's any one 's report for more than 90 days The money industry with their superior like attitude over people could care. less When a person applies for a mortgage no more than a soft inquiry should be done first otherwise the scores drop XXXX points I have been told don't apply to more than one company when searching for a mortgage So when I don't like the first company I should not apply to anyone else oh well too bad suffer Case in point oh XX/XX/2022 I applied not the best home buying score was which was XXXX which was enough to work with the WellsFargo agent stated. The agent XXXX XXXX said I will get working on it now and will be back in touch in 24-48 hours. He failed to call I had to call him on Tuesday, and he ran two inquiries dropping my score back down to XXXX, he said your score is too low and can't help you, but you made it that way and what happened to Wednesday when you said I will start the paperwork, Tuesday he said sorry your score dropped can 't help I might ask for monitary compensation
Consumer complaint received 2022-08-31
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: Navient Solutions, LLC. (MI)

accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2022-08-31
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. (NY)

XXXX 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 these accounts.
Consumer complaint received 2022-08-31
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XXXX, scammers posing as Wells Fargo 's fraud department contacted me. They told me my account was locked and tricked me into transferring money from my bank account to help " secure '' it. They then tricked me into installing software into my computer and used that to get information on my second bank, XXXX XXXX XXXX, there they told me they could help me secure that as well and I transferred money from there as well. I was alerted by my son that I was being scammed but it was too late. They were able to recover money from one transfer from XXXX XXXXXXXX XXXX, but the other one is still in progress and Wells Fargo denied my fraud claim. I also have the banking information from the scammer 's bank accounts if that could be of any use to track them down.
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

A few years ago there was a breach on my phone and all my info was taken. Since then I have had multiple accounts that Ive had to take care of and fix because of this identity theft issue. There is one company XXXX XXXX to be specific, that will not come off of the charges. They still think it was my card, but can not prove that I was the authorized user during the transactions that were purchased. The total is a mere {$390.00} but still its affecting my credit score.
Consumer complaint received 2019-11-28
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)

I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.
Consumer complaint received 2022-08-31
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)

I have not supplied proof under the doctrine ofestoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (CA)

Somebody used my ollocard on XX/XX/XXXX {$52.00}, XX/XX/XXXX {$96.00}, XXXX {$130.00} from XXXX these were fraud So I called 4 times to ollo card security Dept. 
But ollo cleared only {$52.00} and they did not cleared 2nd, 3rd and reported to 3 credit co And ollo sending me the statment with late fee charging fee -- -- So I called many times but. 
They did not do there job clearly
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (FL)

ARC Management Group called my cellphone number on XXXX  XXXX of XXXX to collect a XXXX XXXX XXXX debt I wasnt aware of. I spoke with them on friday about the debt and before we could agree on any type of payment arregement, they told me it was already reported to my credit which I was so confused about since I wasnt aware of this debt. 

The debt comes from XXXX  XXXX XXXX XXXX XXXX PA - XX/XX/2020 Balance : {$3200.00}
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I have tried for over three weeks to close my account at PayPal. I keep getting and error message that there is a computer problem. When I contact the company, they ask for reasons I'm closing the account. They are stalling and refusing to close my account for PR reasons only. There latest excuse is that my account is being reviewed and it may take 30 days to close my account. This is just another excuse. I want my PayPal account closed now!
Consumer complaint received 2021-09-23
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: DISCOVER BANK (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Financial Services violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NM)

This item was previously disputed and found to be inaccurate. This was subsequently deleted. I spoke to XXXX XXXX services and they confirmed I have a XXXX balance and this debt does not belong to me. Today I learned that this has been reinserted into my credit profile. I request that this be permanently deleted and provisions in place to prevent re-issuance.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

Since I am a Pell Grant recipient, I will be eligible for {$20000.00} forgiveness based on Mr. Biden 's policy. I requested a student loan payment refund from Edfinancial last Wednesday, XX/XX/2022. One of the representatives was able to set it up for me ; however, they do not provide any confirmations or acknowledgment that my request was set up. In addition, the timeline IS EXTREMELY SLOW, which can be more than 150 days. Compared to other loan servicers, this is unacceptable.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I called EdFinancial on XX/XX/31 to inquire about getting loan payments made during the pandemic forbearance refunded. The website clearly states that I am able to do this. There are a couple of issues I am having with this process. 

First off, I am unable to see my payment history. Initially, the representative I spoke with said that because my loans were purchased by EdFinancial they did not have access to my payment history, even though the payments I made during the pandemic forbearance period were indeed to EdFinancial and not my previous loan servicer. After putting me on hold, the customer service representative I was speaking with said he had access to a tool that would find these payments, and after listing each payment to me one-by-one, I calculated the total to be {$1200.00}. I asked if my payment history would be updated on my website portal. He said it would not be updated. I asked if I had access to the tool he used to find the payments I had made. He again said no and told me I did not have access to this information. Apparently, I am to trust that this information is correct with no way of checking on my own. The lack of transparency is honestly troubling. 

Another issue I have with my interaction is the timeline for my refund to be processed. I was told it would take 150 or more days to process the refund to my account, well after the date during which applications for forgiveness will be available to submit. This wait time is unacceptable considering other servicers are giving timelines of XXXX weeks for processing of refunds to loan accounts. 

Furthermore, after submitting an application to get my refund processed, the representative did not indicate if I would get anything in writing, whether it be an email, text message, or note on my account. My impression is I have to just trust that the application was submitted and that things will be processed in a timely manner. Again, another example of a lack of transparency from EdFinancial. 

Lastly, I was told that the refund would " reopen my account '' after the forgiveness was processed, and that I would " accrue interest '' on the refund amount, since it would take them so long to process the refund. Again, this is unacceptable. I did not make a lot of payments during the pandemic, but I know people who did and are in this situation will now have to worry if they will be on the hook for large loan amounts after the forgiveness is processed for them, with no way of getting the loans forgiven after their initial forgiveness is processed.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (LA)

I received a letter from a company called MRS BPO LLC stating that they would obtain a judgement against me if I did not pay money to them for a collection account for XXXX within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with XXXX and when I called the number listed I was on hold for 2 hours on three separate occasions. 
This is harassment and a bullying tactic and I want this to STOP!
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (IL)

Medical Business Bureau , LLC, has been harassing me for a debt that it can not provide documentation for. Despite failing to produce documents supporting their claim they continue to take steps to negatively impact my credit score. Over the past 18 months they have : - Report duplicate accounts for the same debt - Report the same account on a monthly or even weekly basis resulting in the removal date being pushed back and ensuring this never gets removed from my reports while also being able to avoid removal of successful disputes. 
- Refused to remove or amend the facts of my account from their adverse collections reporting to the three credit reporting agencies. 
- After each successful dispute, they re-report the same account with minor changes as a way to circumvent my disputes and damage my credit score.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Hello CFPB, I am XXXX XXXX and I am writing this complaint against " PayPal Inc '' since they permanently limited my PayPal account without any further notice. I have my PayPal account registered under : XXXX I remember having a temporary limitation on my PayPal account back then and I was being asked to submit info to have the limitation resolve but when I speak to one of the Support Agents from PayPal, he deliberately said that the document I submitted is invalid, and I was left speechless as I was not able to prove my identity as I was on the other side of the call. 

Coming today, I was being placed with a Permanent Limitation stating that I can no longer do business with PayPal as there are potential risks involved, and to be honest I dont know what sort of risks are involved. However, Since I am also a human being and mistakes always happens from human being, it was never my intention to do something that is against the policies of PayPal and I can assure them this will never happen again! 

I am attaching my " Passport '' for better understanding of PayPal and to review the limitation again for me and I will be more than appreciatable to have this limitation uplifted for me as there is amounted balance in my PayPal. 

Thanks!
Consumer complaint received 2022-08-31
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. (TX)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-10-01
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. (MO)

Im resubmitting 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO 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.