davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXD Account Number : XXXX
Consumer complaint received 2023-04-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (MN)

Debt from our timeshare company, XXXX XXXX XXXX XXXX, was sent to Meridian to collect. We sent a cease and desist to them and they confirmed receipt of it ( confirmed by XXXX on XX/XX/2023 ), but they kept attacking our credit. We reached out to them again on XX/XX/2023 to see if a settlement option was available to stop collections and close our account with XXXX XXXX XXXX XXXXXXXX. 

At that time, we spoke with XXXX again, they informed us the settlement amount would be {$12000.00} and a letter was sent by XXXX, our account manager, confirming that amount. We followed up on XX/XX/2023 and spoke with XXXX, who informed us the lowest settlement they would offer is $ XXXXWe requested this be emailed to us and she stated it would have to be sent via postal mail since we did not lift our cease and desist and only authorized. 

Well, at no point did we lift our cease and desist ( we wanted a reasonable settlement amount before opening communication with them ), but XXXX has incessantly called XXXX and myself since. This is a violation of the cease and desist we sent, and frankly, we do not want any dealings with Meridian as they can not assist us and we never agreed to work with them. We need to resolve this matter with XXXX XXXX XXXX XXXX directly, especially if the settlement amount can not be lowered to our request of {$2500.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX  Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with Acceptance Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines Trans union XXXX XXXX and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!
Consumer complaint received 2023-04-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

I keep receiving an Active Billing amount by XXXX to my paypal account. Despite being able to turn off active billing, the debt paid to XXXX should have never been paid by paypal. 

XXXX is falsly charging users for a PRO SERVICE EFFECT when using a FREE membership plan. 

Each month, paypal is being charged and paying XXXX to XXXX for a BILLING amount I have not agreed to nor am receive service from. 
I am not alone in this scam of users on a FREE sign up to receive charges for a pro membership cost that we can not even access via our free plan. 

I have paid fees to my bank to block anymore illegal charges from XXXX, but they continue to charge my paypal account. I have removed paypal to accept anymore charges, but Paypal still has 1 accepted charge for XXXX. Now I am illegal in debt with paypal for them paying a service that has is no longer available. I want these illegal charges held against me to end and paypal to charge XXXX for any refund or debt collection. Who knows how many people XXXX is currently illegally charging active billing.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB (NJ)

Dear Sir/Madam, I am writing to you to express my formal complaint regarding the high interest rates that I am being charged on my installment loans with Klarna. As a consumer, I believe that I am entitled to fair and transparent lending practices that are in line with the relevant consumer laws and codes of banking. 

Firstly, I would like to highlight the fact that I am currently not working due to medical issues, which has led to financial difficulties. Despite this, I have been diligently making repayments on my loans, but the high interest rates have made it extremely challenging for me to manage my finances effectively. 

I am aware that there are specific regulations in place to protect consumers from credit card debt and other forms of predatory lending practices. I believe that Klarna should be adhering to these regulations and providing me with a fair and reasonable repayment plan that takes into account my current financial situation.
Consumer complaint received 2023-04-03
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. (AL)

I need these items removed from credit profile XXXX XXXX  .XXXX..XXXX XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-04-24
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)

My name is XXXX XXXX XXXXXXXX. I have a bankruptcy XXXX XXXX on my account. I have tried to dispute it with XXXX, XXXX and Equifax, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time XXXX told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law
Consumer complaint received 2023-04-24
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. (GA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 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 of 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I was charged many fees from 2013 until recently I asked for fees to be waived recently and they are cooperating with I ask to speak with the supervisor. But many fees I would like to be waived as well from 2013 until the present
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX my daughters SSI check got deposited into the local branch US bank account and my account was in the process of being closed due to it being a freeze on it because of fraud so no funds can go in and no funds can go out US Bank cashed my daughters check and I have a outstanding balance of {$900.00} that should be all to me but US Bank is actively holding the funds. It has been 30 days now and I have not gotten through to anyone I reached out to social media to take a stand on trying to get my son so that I can pay my rent. Im currently 30 days back now due to not able to get my funds. I have also reached out to the local branch manager, the fraud department, and online banking, I have not gotten through to anyone that could give me any type of financial help. I am now assessing fees in late payments when my rent. I am now 30 days back on my rent and it is a crewing up to now {$1000.00}. My rent is XXXX dollars.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Payfare International Inc. (CA)

I currently work with XXXX XXXX XXXX XXXX. On the XXXX of XXXX i finished my XXXX XXXX XXXX XXXXXXXX. Went to a gas station and bought gas. My balance from that was : XXXX XXXX XXXX At this point my account did not reflect the difference of XXXX I continued to work and ended with an additional + XXXX I also added XXXX from my attached savings account. 
So at the end of this session i should have had XXXX + what was already in my account. 

I sent XXXX which brings my new balance to XXXX But at this time i had a balance of XXXX Which was in there already. 
The XXXX was processed the next day But still that doesnt reflect the difference in the initial deposit minus the gas purchase, with the additional dashes theres still a difference. 

I spoke with XXXX  that night they said they see missing funds on their end call back tomorrow. 
No this is this XXXX i called back she says there still processing it try back tomorrow. 
Now the XXXX i call back and speak with a gentleman that went thru the transactions from that XXXX till now and it was his determination that XXXX was missing. 

He transfered me to payfare which is XXXX payment processor. 
The 1st woman i spoke with tried to only address todays activity on my statements. Soon she put me on a hold and the phone magically disconnected. 
Ok just my luck i attempted to call back got in touch with a new gentleman that slightly went thru the statements and told me that i was XXXX fault call them back and get your money. 
I aske to speak with a senior customer service representative and he proceeded to overtalk me and hung up the phone... 

This complaint arrouse from payfares and or XXXX negligence to actively locate my funds. Someone is playing games but im XXXX this type of activity is illegal.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (CA)

I registered a gift card to PayPal and attempted to use it immediately after registering it. I received the notification that the funds were transferred to PayPal. Each time I tried using it, the transaction would not go through. It would not be declined, it would just cycle and notify me that it was a pending transaction. On my first call to PayPal, all the pending transactions were deleted as was the gift card. I was told the funds were transferred back to the gift card and to call them to confirm. I did that, there were no funds transferred. The gift card ( XXXX XXXX ) had a transaction recorded from Paypal which I never received any confirmation of, and did not, nor could not make through my Paypal account. My next call to Paypal, was with XXXX, I was instructed to get documentation from XXXX XXXX confirming a Paypal transaction, then to call again to get a claim opened. I called and spoke with XXXX, was told a claim would be opened, and I would receive email confirmation. No email came. I don't have the exact dates for these previous calls but they were more or less within a month or two of the final call on XXXX XXXX, 2022 at XXXX ( PST ). Phone answered by XXXX, transferred to a XXXX : XXXX. XXXX assured me that claim had been opened and I would receive an email within 7-10 days. XXXX XXXX was day 10. No email except a generic one from Paypal with no claim number and basically to log in and start the process over again. All of these contacts are conveniently not recorded in my Paypal account. According to XXXX, there was a transaction with two people on that card. I do not know those people. Paypal has the record, and has had it all along to be able to trace the transaction. I never received a notification of the charge, and I was unable to make a charge. Paypal 'customer service ' is abysmal. There was never any follow up, the website doesn't allow for detailed, specific issues. XXXX assured me, when I asked, " How do I know this is even going to be opened as a claim? ", that it would and gave me a badge number. I attempted to get answers on the website, but that was useless. Paypal assures consumers that their money is safe. It was not safe. However, I would like to say that the gift card company, XXXX, has excellent customer service.
Consumer complaint received 2021-08-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (GA)

I sent Navient a Cease and Desist letter on XX/XX/2021 however, they continue to contact me in the mail. Attached is a bill they mailed me on XX/XX/2021 which violates multiple U.S. codes of the FDCPA. 

Exhibit A violate

s 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit B violates 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit C violates 15 USC 1692b. ( 5 ). Exhibit D violates 15 USC 1692b. ( 2 ).
Consumer complaint received 2023-04-24
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. (LA)

They should have been resolved 45 days ago! I dont understand why this issues hasnt been resolved yet. I have false information on my consumer report and they have been sent the documentation and it still hasnt been removed. I read on the FCRA website that they have 4 days to block fraudulent information according to 605B, and yet they have decided to break the law. This is abusive behavior and they are not in compliance. The following items should be remove immediately. 

XXXX XXXX # XXXX Direct Violation 605B, delete now XXXX XXXX XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

XXXX, XXXX, XXXX, XXXX care credit is saying I have missing payments when payment is in good standing with no missing payment. It is setup for autopay every month and has never been late.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I wired the money to an account to the XXXX XXXX XXXX XXXX, on XX/XX/2022 with the help of Chase banker at Chase Bank in XXXX XXXX, Illinois. 
The Chase Wire Tracking Number is XXXX and the funds ( $ XXXX ) were said to be available on XX/XX/2022. 
Later that night, I realized that Id been scammed so the next morning, on XX/XX/2022, I immediately went to my local Chase branch to see what could be done about canceling the wire transfer. 
I asked the banker if the transfer could be stopped, and I was told that Chase will investigate and should be able to get my money back since the transfer wouldnt be available until XX/XX/2022 anyway. 
Today is XX/XX/2022 and I still havent heard anything from the investigation of this fraud. 
Please let me know if I need to provide more information into this. Thank you.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Centralized Business Solutions Company (OH)

I originally asked them to stop calling me on XX/XX/XXXX. They called me again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

I have been an Amazon customer for many years. In order to get additional points you are required to use their credit card. I had and used Chase CC because that was what was required. 

I managed to accumulate more than {$1500.00} in points. When I reached {$1000.00} they offered to send the money to me however I didn't want the funds to get used for other purposes and I had something I wanted to purchase when it reached {$2000.00} so I said no. 

Chase Bank seemed to have endless security breaches. I was getting many " customer fraud department calls. Dept does not exist however I had to get a new card on more than one occasion because of a compromised account. We have 3 other credit cards and while at the time they didn't get used like our Chase account we have never had these problems with other cards. It is a nuisance to change account numbers. We had many charges go directly to the account and it took months to undo the mess every time we had to change accounts. 

We had another breach last spring ( date? ) and I had had enough and I told them to close the account and send me my reward money.j The agent I spoke with told me I had to get the money from Amazon. If indeed they record their calls, which they say they do, this should be verifiable. 

I spent MONTHS trying to get through to Amazon reward dept,. I keep getting " system down being worked on, ( not the exact verbiage ). I was sent from one customer service person to another. I do have some correspondence from Amazon where they told me if I didn't get resolution from Chase to call them back. I did and endless agents later was told I had to reopen a Chase account. I did and when the account was established I tried to recover my rewards again and was told I the time had elapsed and I had lost the money Back to Amazon, endless customer service people again only to be told they could not help me. I confess I gave up but I just can't let it go. This is a lot of money to me and I feel I was cheated out of the money. 

Any help you could give me would be appreciated. 

Thank you