davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (AZ)

I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

So this is with Venmo I had two phones so I made XXXX Venmo accounts. I was unaware that I was not allowed to have XXXX Venmo accounts. OK thats cool no big deal. I was told to verify my identity so I sent in a picture of my ID for both accounts and then I was told that due to certain reasons that they could not tell me I would no longer be able to use my Venmo account and they would hold my funds for up to 180 days which is six months I currently still have {$1500.00} in my Venmo account and this took place on XX/XX/2023 there should be no reason why they have to hold my funds for six months. Theres no reason why it takes that long for them to figure out whatever they need to figure out. This has put me in a real jam because I have bills that I have to pay like my car has been re-Poed behind me not making car payments because of this.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

Bought a laptop at Best Buy ( Citi Bank ) by opening Best Buy Credit Card Account. 
I paid off the laptop. 
They charged me {$210.00} for service fees not requested, used or agreed to. 
I tried to contact them ( at least XXXX hour on automated service line, during which they misunderstood my complaint, and instead opened another account for me ). 
I finally got a real person on the phone ( another hour to get to that point ) and I disputed the charge and said I wanted them to close my account. They said they would investigate. 
They sent me a letter telling me I should call them. 
It takes me another 2 unsuccessful attempts and finally I got them on the 3rd attempt after another hour in automated maze. 
They said they would credit the account for unauthorized charges and I asked them again to close the account. At this point they say I do not owe them any money. 
However, another month goes by and they now have XXXX accounts open for me and they charge me the {$210.00} again for unwanted, unused and unauthorized charges. 
Now I'm filing this complaint to make sure they finally close my account and stop charging me and threatening me for not paying for charges I never agreed to when the account should have been closed in XXXX. 
I don't trust them to stop and I am wasting too much time defending myself.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (AZ)

I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX 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 an 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to you today in hope to resolve an issue with my Equifax credit file. 
I have an account on Equifax.com, when I log in and try to view my report or start an online dispute I keep getting a message saying Please give us a call and give this code to the Agent : XXXX XXXX see the screenshot attached to this letter ). 

I tried to call Equifax Customer Care at XXXX multiple times, and when I get to the part to verify my identity I hear security questions and answers about accounts I have no knowledge of. As a result, my identity can not be verified through the phone and I am being instructed to send a mail request to Equifax Credit Information Services Inc. 
XXXX XXXX XXXX, XXXX, GA XXXX. 

There is clearly something wrong with my Equifax Credit file, as I cant access the report even through Annual Credit Report.com or 3 party websites like XXXX XXXX XXXX  or MyFico. 

I hope Equifax will solve this error in a timely manner and bring my credit file back up to date. 

Please investigate this matter and get back to me acknowledging you received my request and the error has been resolved. Please also send me a copy of my credit report. 

Thank you. 

*I have mailed the above letter to Equifax today XXXX 
This issue has been going on for the past couple of weeks. And upon doing my research, there are many other people experiencing the same issue at this time. 

I am looking forward to your response and resolution.
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing ( SPS ) has not acknowledged the extra escrow payments ( {$4300.00} ) that I have made on my mortgage account since XX/XX/2023 in order to maintain my monthly payments to $ XXXX even though I have requested five times for re-assessments five times in the last XXXX months. My discussion with one representative in XX/XX/2023 was that if I made {$5000.00} over the monthly minimum to escrow then when the account was re-assessed in XX/XX/2023 that it would stay the same. To wit, because of the use of outside contractors who work from home there is little or no quality control over communications. Hence, when I spoke to the XXXX XXXX. last XXXX they only lowered the payment by $ XXXX to XXXX.
Consumer complaint received 2023-06-29
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. (GA)

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. 

Account name : XXXX XXXX XXXX GA XXXX REFERNCE NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX 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 an 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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)

Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, Equifax has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for Equifax include : 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 has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : 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 - 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 2018-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. 
XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX  to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. 
I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. 
So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. 
In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. 
Gift Card Scams from PayPal. 
The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. 
XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. 
XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. 
Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I called the bank to report fraud under the claim number XXXX on my card ending in XXXX, all transactions starting on XX/XX/XXXX until the card was locked on XX/XX/2023. 
The bank provided provitional credit and approve all transactions except all were made on XX/XX/XXXX ( all in XXXX, XXXX ) a city that I never been. 

I was In XXXX and the card was lost but in XXXX. 
I reopened the case but until today I dont have any update, there are {$340.00} that must be reversed by the bank for fraud.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (NC)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.