davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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. (TN)

I noticed that Equifax is reporting my Experience with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and me. The balance I have with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and me is characterized as utilization on my consumer report Equifax is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and XXXX person XXXX  XXXX, XXXX  XXXX  XXXX XXXX XXXX  that is Making the report is NOT INCLUDED ON MY Consumer Report Capital XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX  has attempted to remove the balance section. Equifax keep putting the balance section. back on my consumer report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc. (FL)

This is a warning notice to the alleged violator of such debt. After an extensive review of my consumer report I noticed I have violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of subside, deceptive and unfair debt collection practices. Not only did you furnish this information to the reporting agencies without my consent, nor did you take the proper steps to verify that this information is accurate. Which is it NOT! 15 USC 1681s-2 You also listed this alleged debt as a charge off. How can you collect on a cancelled debt that is also considered income? Also, income should not go on a consumer report at all. This also means that you filed this as a loss with the IRS and received compensation for it. This also means that I should have received sa 1099 to file, BUT I DIDN NOT! This is a violation of 26 USC 61-64. I also never received a notice that this information would be furnished on my report. You are supposed to contact me within 30 days, no later before furnishing the negative remarks. This is not all, but just s few of the violations that I am bringing to you US AUTO FINANCE XXXX XXXX and the CFPBs attention. 

I am requesting to be provided with the written contract between me and you US AUTO FINANCE XXXX  XXXX giving you the right to access my personal information and to also furnish this information. I would also like the original written contract with myself and US AUTO SALES. I will also need a full audit trail. I am needing the actual physical documentations to support the information that is being reported on my consumer report. Screenshots and statements will not suffice. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect that the item in question will be permanently expunged from my record : Best Regards, Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I've had a paypal account for quite some time now. I do not own any businesses nor do I use paypal for business purposes. I use paypal for personal friends and family only. On XX/XX/2022 I received a payment to my paypal account which is XXXX - in the amount of {$2500.00} from XXXX XXXX. This payment was not associated with paypal or any paypal transaction. This was money owed to me by XXXX XXXX. When I logged into paypal to withdrawal my funds to my debit card, I learned paypal permanently limited my account. I did not violate any of their user agreements nor did I do anything wrong to paypal. They asked for a utility bill, bank statement and photo id which I provided immediately. They still limited my account- although all my documentation was 100 % correct. Now paypal has placed a hold on my funds for 180 days, in which everyone knows on or around day XXXX, paypal will confiscate the money for theirselves and steal from their customer. This money is my money that was paid to me by XXXX XXXX and governed by the XXXX  XXXX XXXX. Paypal is not allowed to take these funds or govern these funds in any way. 

I am an elderly XXXX XXXX XXXX man who has alot of medical bills and this money is needed to pay those bills. Paypal will not be keeping my XXXX in any fashion. Holding my funds is elder financial abuse in the state of PA and also violates the Pennsylvania XXXX XXXX laws since this is casino money. I can not wait 180 days and will not be subject to paypal taking my funds for " damages '' like they do to all their customers. I'm in dire need of withdrawing my funds and will be filing complaints with state department on aging for financial abuse and the PA XXXX XXXX for illegal holding of casino money. I ask that paypal remove my limitation so that I can withdrawal my funds and then they can close my account, as I don't want to do business with any company who doesn't abide by financial protection laws and makes their own rules. 

Paypal username is XXXX. Again - I use paypal for personal reasons only. No business involved and no business income. I'm XXXX XXXX XXXX retired and sick. I want my {$2500.00} now. It's a coincidence that they limited my account as soon as I received a large payment. This is paypal 's normal course of action. Limit an account and place hold on funds- wait 170 days and then take the funds and claim a user violated some policy. I never saw any policies from paypal and will not be subject to elder financial abuse. I've also filed complaints with XXXX, Office of PA attorney general and PA XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I financed a portion of a medical procedure since there was a promotion for 24 months interest free financing. When I opened the account, I reached out to the company, CareCredit, to confirm that my recurring monthly payment was sufficient to pay off my balance in full within the 2-year promotional period. I was advised this payment amount was appropriate and I set up my recurring payments. 

I realized today that my account still has a balance and that my balance was not paid off within the promotional period. As a result, all the accrued interest has been added to my balance ( nearly the same amount as the portion I financed ). When I reached out to CareCredit they stated there was nothing they could do regarding the interest and that any information communicated regarding payments were just approximations and that they can not be held responsible. As a result, I now have to pay $ XXXX in interest on a ~ {$2000.00} credit loan.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

I am a user of Venmo and they sent me an email notifying me of an update of their user agreement. In order to opt-ou, t I must go to their website, download, and print as well as manually fill in a non-formatted webpage. I then must pay for postage and mail the notice to them before XXXXXXXX XXXX,2022. The initial email announcement does not even contain a link to the opt-out, I had to go search for it
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sirs, Dear Sirs, this is my complaint against BANK OF AMERICA, NA ( XXXX ). 
I sent the following money transfers, which were frozen by this bank without any reason : XXXX : XXXX XXXX : XXXX Sender : XXXX XXXX XXXX Value date : XXXX, XXXX Sum : XXXX XXXX, XXXX usd Beneficiary : XXXX XXXX XXXX, XXXX Description : WORK ( SERVICE ) DELIVERY. PAYMENT FOR THE CAR / BUYER XXXX, STOCK XXXX XXXX tracker : XXXX XXXX XXXX XXXX, XXXX. - successful Since XXXX XXXX XXXX XXXX XXXX XXXX  . - pending XXXX ( investigation request ) dd. XXXX no result XXXX ( recall request ) dd. XXXX no result I know very well XXXX sanction lists, XXXX procedures & other XXXX. My money is 100 % legal & Im able to confirm it. No one from the participants of the payment was not under the sanctions/restrictions. The goal of the transfer was prepayment for a car, as per the invoice ( attached ). 
By my own initiative, Ive sent to BOFA ( XXXX ) all the documents concerning the payment : XXXX, invoices, scan copy of my passport. 
But the only answer was : Unfortunately, we can not provide you with the information you requested because the wire was not initiated at Bank of America. We recommend that you contact your bank. 
But the Senders bank has already sent all the necessary information to BOFA! 
BOFA ignores it. 

BANK OF AMERICA , N.A . must release the money! 

My address is : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America changed the status of my account without my authorization. The account was initially set up to not overdraw, now I'm incurring monthly fees and overcharges. 

I check the account before and after transactions to insure my being able to make purchases. Transactions are always immediately deducted from the account and placed on hold and the balance reflects it. I always make sure there are sufficient funds available to make my next purchase. 

It is the bank that hasn't sufficient funds and they are dime and nickeling funds from my account as well.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-29
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
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. (NJ)

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX  IN XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-02-23
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: Navient Solutions, LLC. (TX)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES NAVIENT This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable. 

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX  Reporting Standard. well as this account removed. 

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-08-29
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. (MI)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have never been a Bank of America customer nor did I open a new account with them this morning. But, surprisingly, I received 5-6 emails notifying me that I opened a savings account with a confirmation number and approval. I never even applied for any account. I have been trying to get hold of someone at the BOA only to either get bounced around or kept on hold for over an hour. It is XXXX XXXX and this nonsense started at XXXX XXXX this morning. This practice is not only fraudulent and deceiving but also very frustrating! It has taken my valuable time away from my patients and family and caused unnecessary headaches and hardship. What's even worse is that I do not have a resolution yet. 

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: WAKEFIELD & ASSOCIATES, INC. (NC)

there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a certified letter to TransUnion on XX/XX/22 for Demand for Deletion ( it was not a dispute ). My demand was very specific. The response from TransUnion is a stall tactic. TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX the consumer never gave TransUnion written consent to report anything on my consumer report. No consent is identity theft and I demand you remove the inaccurate information off of my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. Pursuant to US 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting and by allowing TransUnion to report inaccuracies these inaccuracies, it may cause me to lose confidence in the banking system. If TransUnion would like to continue to do business with me I demand they delete these inaccuracies.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

XX/XX/XXXX city bank placed a block on my account, XX/XX/XXXX they sent a letter saying they were closing my account within 30-60 days. It has been over that time Im currently waiting on it to be closed because I had just received my income tax in the account a week prior to it being locked & all of a sudden they wanted to close. Ive called numerous of times each day its a different thing with the representative, I spoke with one two weeks ago XX/XX/XXXX she said that they are closing the account & I would receive my check within 10 days. It has been over 10 days & today when I called back she says to wait 15 days. This happens every time I call they say different things!! These people are a rip off & they are stealing!!!
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I submitted a dispute with XXXX XXXX regarding a deposit I made last year. I made an ATM deposit on XX/XX/21. {$900.00} was not accounted for and I called immediately. I had not received a response to my request after some time so I called back. 
The rep stated the claim had been denied because the location did not record a positive variance from the ATM that day. She also stated I could not appeal and had no options. 


The ATM here in XXXX is always down or something is always going on with it. Navy Federal still has not given my funds back and its been a year. Please assist.