davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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. (MS)

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, XXXX, and equifax, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX  ) destroy my credit worthiness by reporting inaccurate unverifiable information.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, Equifax and XXXX  ) are in violation of the FCRA statutes.
Consumer complaint received 2016-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Ive recently become 100 % XXXX through the VA and thus qualify in my county for 100 % XXXX veteran homestead exemption. Ive confirmed this exemption with my local appraisal district and submitted a form from them to my loan care who is my mortgage servicer. However the refuse to except anything other than a tax bill which wont be available to my until around XXXX. My local appraisal district said that most mortgage companies will verify by calling them or checking their website since they have the most current property tax information. However like I said my loan care is telling me they wont except anything other than a tax bill from the county tax office. I feel that its not right for them to force me to pay money that I dont owe for nothing other than their laziness. Its currently XXXX and I wont have a Tax bill available until XXXX. Although I eventually will get all that money refunded I shouldnt have to wait months for them to verify this simple situation.
Consumer complaint received 2016-03-02
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SERVICE 1ST MORTGAGE, INC. (VA)

Receive multiple misleading mortgage refinance letters from Service 1st Mortgage Inc. Letters imply they are from Veterans Administration and /or current mortgage lender. Letters attempt to get you to think they are calling about your existing loan and need to take action on your existing loan. In reality, it is a refinance offer ( at higher rate ) and attempts to mislead consumer about escrow refunds. See attached copy of letter.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (PA)

There was an electric utility service ( XXXX ) opened in my name, ( maiden name used ) at an address I never resided. I found this delinquent account on my credit report. I disputed it XXXX, XXXX. The collection agency AARGON Agency sent out the disputes XX/XX/XXXX. No response with account verification proof was provided at all from the original creditor. I attached proof the bill is not mine and that I was and still am living at a different address. The account was eventually removed from XXXX and XXXX, but XXXX states they were never notified about the dispute and therefore it remains on my credit report through XXXX today.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (VA)

Hyundai Motor Finance continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on XXXX. This car was included in our bankruptcy and needs to be removed.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Consumer complaint received 2017-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MO)

After I returned merchandise and did n't get my funds back, I opened dispute with US bank. A month later I was debited funds which were credited back to me previously. I even provided tracking number when I opened the dispute. When I called the customer services was rude and di n't listen to my concerns.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (IL)

i tried to send money with worldremit in the amount of {$1200.00} on XXXX XXXXthe money was taken out instantly from my debit card but later got a message that it was cancelled so i will get a refund in 7 working days. I waited after the 7 days as promised and called back only to be told that now they can't tell me when it will be refunded
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

I have been trying to resolve a duplicate transaction issue with Chase Bank for 5 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my Chase Bank account ending XXXX from someone elses account at XXXX XXXX XXXX. I notified Chase of this and they reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Chase bank, thy directed me to talk to XXXX XXXX. XXXX XXXX stated that they would be able to fix the issue if Chase issued a letter of indemnity, which Chase refuses to do despite the fact that this is apparently standard practice ( XXXX XXXX informed me that Chase Bank weekly sends these letters to their ACH Operations Team ). 

Ultimately, Chase Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called Chase Bank weekly. I have called the Payments team several times and was assigned several case managers in the Complaint Escalation Group without a proper resolution. I am extremely frustrated that this entirely fixable problem has gone unfixed. Chase Banks customer service is completely unacceptable and unhelpful. 

I am extremely disappointed because I have a {$790.00} reversal and {$27.00} reversal fee charged to my Chase credit card when I have already sufficiently paid my credit card balance, and Chase Bank will not agree to work with XXXX XXXX Bank to resolve the situation. 

To resolve the problem, I would appreciate if Chase Bank would do one of two possible solutions : 1. Fax a letter of indemnification to XXXX XXXX Banks ACH Operations Team at XXXX and refund me the {$27.00} reversal fee charged to my account.

2. Reverse the original reversal charge of {$790.00} which I initiated through Chase Bank and refund me the {$27.00} reversal fee charged to my account. 

Ultimately, it does not matter to me which option is chosen, as long as Chase Bank fixes this problem they have been perpetuating for five months. Once this is resolved, I plan to close my Chase Bank credit card account and terminate my relationship permanently with Chase Bank. The unprofessionalism and incompetence that I have encountered at Chase Bank is absolutely unacceptable, and I am appalled that this issue has not yet been resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-09
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 (OH)

PayPal limited my account without any reason. 
I have already verify my account. I sent all information I try to contact the company many time, but they just said is in review. 
Could you please help me with that problem. 

My email is XXXX i hope get help for this issue.
Consumer complaint received 2021-05-08
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: SYNCHRONY FINANCIAL (GA)

I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : Syncb/Amazon Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : Syncb/Banana Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : conserve Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax reporting a balance due on XXXX account as {$390.00}. The account has been settled and has been PAID OUT. This was reported on XX/XX/2021. The account balance should be reported as XXXX.
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (AZ)

I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Equifax, XXXX  ) and the Creditor ( DEPT ED/XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-04-28
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. (FL)

ON XX/XX/2021 I SENT MAIL TO EQUIFAX, XXXX  AND XXXX  TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

1. XXXX XXXX XXXX ACCNT # XXXX {$1500.00} 2. XXXX XXXX XXXX XXXX ACCNT # XXXX {$980.00} 3.XXXX  ACCNT XXXX : XXXX {$1000.00} 4. XXXX XXXX XXXX ACCNT # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX 6.XXXX/ XXXX XXXX XXXX XXXX XXXX {$10000.00} 7. XXXX XXXX XXXX XXXX # XXXX {$230.00} 8. XXXX XXXX  DEBIT CARD ACCNT # XXXX {$0.00}
Consumer complaint received 2021-01-19
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. (NJ)

I mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (OH)

I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.
Consumer complaint received 2021-04-27
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: AES/PHEAA (FL)

Fed Loan Servicing is showing a missed payment in XXXX of 2019. I was told that it was frozen prior and no payment would be due bc I was impacted by # covid19. They refuse to correct it since on my credit reports. I called by phone and have records of this. Please correct this immediately. This is for my student loans. Thank you.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

Experian continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. The date the account was opened and the original amount of the debt is inaccurate as the debt was incurred in 2011 and the original amount was {$510.00}. This inaccurate information has caused adverse actions for me in terms of receiving credit and services.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TX)

On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.