davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (IL)

XXXX made a transaction from his XXXX card to his PayPal then got a NOTIFICATION ABOUT NEED SOME MORE DETAILS. XXXX answered the questions. PayPal says YOU ARE HIGH RISK. XXXX wanted more answers. PayPal says THEY DO NOT HAVE TO GO INTO DETAILS. XXXX says WHAT WENT WRONG I CAN NOT USE PAYPAL. PayPal answers with the same REPLY. And XXXX says WE HAVE THE RIGHT TO REFUSE ANYBODIES BUSINESS. How did PayPal decide to refuse XXXX ' business... It must be XXXX XXXX because someone in high rank position ONLY can refuse business. XXXX had great XXXX  anguish because the refuse business excuse. IT HAS TO BE A FAKE REASON. XXXX can not use PayPal like the OWNER says that, and XXXX has to get off of XXXX too. I DO NOT LIKE HIM.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

XXXX XXXX is reporting an inaccurate Bankruptcy account on my credit report. ( Account # XXXX ) I would like LexisNexis to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

Was charged an annual fee that accrued interest charges. I called and paid the entire amount and wanted to cancel the card but was told I have to call back. I called back and eventually cancelled the card. After the card was cancelled, I received a bill for {$2.00} dollars. By the time I called the charge increased to {$4.00}, then XXXX although my balance is {$0.00} ( I had cancelled the cars and had not used it ). So I called and then asked why am I being charged these fees. I was told Macys does not apply payments until two billing cycles have passed. How can that be? I paid the {$8.00} amount which should have put my account at XXXX. However, today I received a Macys bill showing I owe {$2.00}. How can this be? 

Please help! This is disgusting, predatory and unethical. I am attaching my latest bill.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Hello my Name is XXXX XXXX XXXX & 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 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 has violated my rights. 

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.

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls help.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstCredit, Inc. (FL)

Firstcredit Services calls multiple times a day from different phone numbers. I do not answer and block the phone number each time. Then I receive a call from another number.

To the best of my recollection, I picked up the first call I received a few years ago and told the individual to remove my name and number from their lists.

My credit score is over XXXX I do not have any outstanding debt. Nothing I owned is financed. 

These call are beyond harassing. They interrupt my other calls and daily activities. 

Please contact the company on my behalf to stop these calls or direct me how to stop these calls.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX a request for a satisfaction of mortgage from Wells Fargo Financial a division of Wells Fargo Bank was requested and forwarded to their research department as the original lien was filed XX/XX/XXXX in the amount of {$66000.00}, document number XXXX, and a mortgage in the amount of {$98000.00}, document number XXXX was filed on XX/XX/XXXX. These were paid off with a refinance of a loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$180000.00}, document number XXXX. The document number XXXX in the amount of {$98000.00} was satisfied with the Satisfaction document number XXXX on XX/XX/XXXX, however ; loan in the amount of {$66000.00}, document number XXXX was never satisfied with the county recorder. I sent them the original mortgage document and the refinance mortgage document along with a copy of my certificate of title showing the dates and document numbers. They have no contact person to speak to and the only contact is with a fax machine that you send your documents to. I have heard nothing and am anxiously wanting a loan to put in new windows and I also need to provide the information to my new lender from my refinance who their title company somehow missed this in their review. I am stuck in the middle of a bad situation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I called the company on XX/XX/XXXX to dispute a charges with XXXX. They sent me a letter dated XX/XX/XXXX stating it had been resolved in my favor. I called on XX/XX/XXXX to say it was not resolved because charges still on my card. They said I had to send a fax to the billing dispute section which I did on XX/XX/XXXX. I was assured no interest or late fees would be charged. No response as of XX/XX/XXXX so I called again. I was passed around from one person to the next. They would not even confirm receiving my fax. A supervisor was supposed to get back with me. I was assured again no interest or late fees will be charged because still disputing. I called again on XX/XX/XXXX because no response. XXXX confirmed nothing done since my call on XX/XX/XXXX. Assigned a new case number. Was supposed to get call from account manager. Assured again no interest or late fees to be charged. Still no response so sent another fax on XX/XX/XXXX. By XX/XX/XXXX, still no resolution or written communication to XX/XX/XXXX or XX/XX/XXXX fax so I called again. You get passed around from person to person with no one able to make a decision. Despite assurances no interest or late fees, I have been charged {$29.00} in late fees and {$29.00} in interest. I resolved my issue with directly with XXXX but I want these fees refunded to me. Barclays handling of this dispute is completely unacceptable.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

I keep receiving calls from mediation groups to pay off a credit card that I never owned. I am accused of having a citibank XXXX XXXX credit card from XXXX to XXXX with the card ending in XXXX. I have never owned a credit card from a citibank and never seen anything on my credit reports showing I made payments or anything. I own 2 credit cards and they are up to date. I live in Alabama and keep telling them it is not me despite them having my name, phone, address, which anyone can get if they look hard enough. 

I never signed anything, no contract, no agreement, not anything referring to a credit card and asked to see that. I'm told well statements are continuing to be sent, well one, I dont live where the so called statements are going, and two, so what if their statements, thats not an indication that the debt is mine. Anyone can fill out a credit card app and put my info in, not to mention the statue of limitations on credit card is 3 years. If this thing was so called opened in XXXX, it's XXXX and at some point they need to give it up that I am not paying for something I never got. Nothing has ever been put on my credit reports, all three, no collections ever since XXXX. I want them to stop bothering me and my family. They have been told and that means calling my mom too, good lord really .... They seem pretty desperate, sad actually..
Consumer complaint received 2023-03-17
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VT)

I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. Wells Fargo filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to Wells Fargo at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, Wells Fargo requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made 5 payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and Wells Fargo agreed to waive any deficiency, late payments should no longer be reported to credit for me. Wells Fargo then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested Wells Fargo to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022