davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-05-24
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: Messerli & Kramer P.A. (MN)

XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Im putting you both on a XXXX hour legal noticed before a lawsuit with be filed on both of your companies for violation the FCRA and the FDCPA. XXXX XXXX XXXXXXXX I have sent in Numerous complaint warning you about the violation and you refused to investigate or to remove the account from all credit files my EM would be failure to conduct a proper investigation and punitive damages indicating that you cause me to file Chapter XXXX bankruptcy. You need to remove the tradeline immediately. Dispute remarks should have been placed on the credit report you failed. 

XXXX XXXX you also should have notified XXXX XXXX XXXXXXXX letting them know that I disagree with your lawsuit that you filed in the XXXX or XXXX Minnesota. I responded to your affidavit and sent it back to you in certified mail disputing the claim. Which put you in violation of the FDCPA or we could go the route of Section 1681 SI-2b Im warning you both if the item is not remove in XXXX hrs legal action will take place try me.
Consumer complaint received 2021-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2019-03-18
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: DISCOVER BANK (MD)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I went on the app that has all my banking information and sent {$520.00} to a family member in XXXX XXXX  in XXXX.The transaction was approved and a day later i got a message that they need the recepiemts ID from me.That was a XXXX  on XXXX I called waited over 40 minutes to get through amd asked why yhey need the recepoents ID from me when they can ask for it at the receiving end and if that was a requirement i shoukd have beed asked for the recepients ID before the process so I could choose to use another company.The lady hung up the phone and immediately I received a text mesage my tranaction was cancelled followed buly an email with norhing as to when my mkney will be refunded and how much and the liar scammer put that I cancelled the transaction.Really! After 4 days and then to wait another 10 days to get my money back IF it is refunded
Consumer complaint received 2020-01-30
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 (NC)

Gentlemen, My name is XXXX XXXX. I settled my account ( Discover Credit Card ) with a Debt Collector. Discover chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with Discover and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (PA)

Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.
Consumer complaint received 2019-03-16
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. (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX 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. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (TX)

These inquiries below I didnt authorize. More than 35 of them were deleted in XXXX and was readded. i have attached proof. 


Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous XXXX   Agencies XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Innovative XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies
Consumer complaint received 2021-04-05
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. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX  XXXX XXXX ( Org. Creditor XXXX XXXX  ) XXXX Both Equifax and XXXX  XXXX XXXX were informed that these medical bills were a result of a XXXX XXXX workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

XXXX  & XXXX deleted it from my credit report but Equifax has failed respond to any of my complaints, continues to ignores me and report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-04-05
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 ()

My PayPal account was limited for 180 days beginning last year following a transaction that I attempted to clear up with PayPal without any success despite availing all the requested documents. I resolved to wait for the 180 days which I completed but PayPal still denies me access to my funds as I can only withdraw the funds from a XXXX XXXX  account despite originating from XXXX. I have made requests to the company to permit me to use the banking option I was using previously or to link a local bank account but this has been unsuccessful. My PayPal email is XXXX.
Consumer complaint received 2021-04-05
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: U.S. BANCORP (CA)

On XX/XX/XXXX I received a notification from XXXX  that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. 

This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. 

After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. 

US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. 

After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. 

However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. 

After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. 

Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. 

I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. 

US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. 

I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. 

Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for investigation.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CFW Holdings LLC (TX)

On XX/XX/2019, XXXX XXXX, a " payments specialist '' from Cash For Whatever, called me at my work at XXXX CST, to threaten me first by telling me that my account was going to go to their legal department and they were going to take me to court unless I paid an amount of {$300.00} to get them off of my back. I told her to call my cell phone instead and leave a message and she stated " No i'll send you a blank email and if YOU'RE serious about this you'll call me back as i am here until XXXX '' and hung up the call. I then emailed her through the email that she provided and told her about my situation and she didn't respond and hasn't responded yet.
Consumer complaint received 2018-10-11
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. (AP)

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Consumer complaint received 2022-06-09
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. (MO)

I applied for a new credit card at XXXX XXXX XXXX  and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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
Consumer complaint received 2021-08-12
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: Io, Inc. (PA)

I have disputed this account with both XXXX  and Receivables Management Systems, and I read the Law XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. XXXX  has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!
Consumer complaint received 2019-08-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

In XXXX, I received a bill for {$740.00} from Navient. On XX/XX/2019, I called and expressed my concerns for repaying the student loans. I shared that the monthly payment is way too high for me and I just finished taking graduate classes in XXXX. I expressed that I could only pay {$100.00} a month. Im not making enough money to pay them that much and other expenses. They denied my request for forbearance and they attempted to lower my payment. The lowered payment was around {$500.00}. I shared that I still can not afford that payment. When the bill was due, I paid {$50.00}. The customer service rep told me that wouldnt help and I expressed again that I cant afford the monthly payment. XX/XX/XXXX and XX/XX/XXXX I paid {$50.00}. On XX/XX/XXXX, The company is threatening to report the status of my loans to the consumer reporting agencies on XX/XX/XXXX. I have been paying what I could afford and theyre still asking for the full amount of {$740.00}. Ive talked to multiple representatives and none of them are understanding about my financial situation. I even tried to refinance the loans with the company and I was denied.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (NY)

On XXXX XX/XX/2021 I sent my daughter {$150.00}. and she told me she Never received the money because she lost that paypal card so she doesn't have access to get the money so She contact paypal who told her that the person who sent the money have to contact them so I did they then told me that the money would return to my Acct in 30 days and it's been over that time frame and I still haven't gotten my money back or any response from Paypal
Consumer complaint received 2021-04-03
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 (NY)

My PayPal account under email XXXX was limited due to a past balance on 2 other accounts that I was not aware of. I immediately paid both accounts upon learning of the balances. The payments were made over a month ago, but my account still remains limited. PayPal continues to refuse to remove the limitation stating that I need to pay the balance. They tell me I have to contact the collection agency that I paid to have them notify PayPal that I've paid. The collection agency tells me I have to contact PayPal. In the middle of all this, PayPal is refusing to remove the limitations on my account despite my providing them proof of full payment of past balances over a month ago. They are holding {$310.00} of my money unlawfully due to these limitations.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (TX)

I applied for a card about XX/XX/XXXX on line for a Lowes credit card. I gave my physical address and a Post Office box. I did not hear anything from them. They probably sent everything to the physical address and I do not receive mail there. I applied again using the Post Office physical address and they denied because of a previous application. They now can find no information on me.
Consumer complaint received 2019-03-16
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: ID Analytics, Inc. (GA)

I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.