davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (OH)

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 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 2023-08-10
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (OH)

I have a credit card with PNC. I have made perfect payments for over XXXX years, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a hurricane hit a few years ago. XXXX. I had a brain cyst and several mini strokes. I went XXXX for a short time XXXX. I had numerous surgeries where my XXXX stopped beating. XXXX. I got XXXX XXXX ( XXXX of 3 times ) during XXXX of the surgeries. I was on a ventilator. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over XXXX years of rehab to build myself back up. XXXX. I managed to keep my job until the pandemic when they laid me off after XXXX years. 14 months later my job was eliminated. And I still paid my bills on time. XXXX I applied for over XXXX jobs and have been unsucessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. XXXX. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself XXXX. My spouse emptied our retirement account. XXXX. Due to hacking, XXXX XXXX, XXXX, and other credit cards and XXXX of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. XXXX. Up to XX/XX/XXXX, Bills have were paid on time. XXXX. I called PNC the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any Covid XXXX programs. They said sorry we can not help you until you are late with your bills. I said XXXX being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. PNC has not replied to requests. PNC has not reach out to me about this. PNC this week decided to file court action in a attempt to collect debt.
Consumer complaint received 2023-08-10
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX PRIMO ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

Ive had a Vehicle with US Auto Sales since XXXX. I purchased GAP warranty and paid into it. For the duration of my purchase with US Auto. My Vehicle has been Shut off 22 times during the Pandemic leaving my mental health unstable. Ive dealt with extra finances charges. After speaking with them so many times over the years it just left me depress and helpless cause Im XXXX  and needed my vehicle. When they closed down I was in good standards. On my credit report it states Car paid for in full? On my title Im listed and USAuto not this New company that is threatening to repo my vehicle. I dont know my rights or what to do. I have the last letters stating my GAP was paid and full up to XX/XX/XXXX cause they was charging me double, But I cant even use all the money Ive paid into it cause they said that loan is Null and they are the new owners. Us Auto never contacted us just kept taking payments. Someone please help me Im In XXXX XXXX, Ga. Thank you.
Consumer complaint received 2023-01-02
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. (GA)

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : XXXX XXXXXXXX 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 2023-08-08
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. (FL)

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 Account Number 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 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VALLEY NATIONAL BANCORP (NJ)

This concerns a savings account with Valley National Bank. My mother first opened this account on my behalf in XXXX as a Kids First Savings Club Account, which had a {$1.00} minimum balance. Her intention was to save money for my future, as I was a XXXX  at the time. 

In XX/XX/XXXX, I for the first time received a mailing stating that months of low-balance fees had been applied to my account ( attached as p. 1 ). I had no prior notice that my accounts balance was too low or that the minimum had increased. 

On XX/XX/XXXX, I went to my local branch and attempted to resolve the issue. They informed me that the account minimum had increased from {$1.00} to {$300.00}. They also gave me an account statement ( attached pp. 2-3 ) indicating that low balance fees have been applied to my account every month for 13 months, totaling {$65.00} in low-balance fees, and that they had been charging a dormant service charge of {$9.00} per quarter, or {$27.00} over three quarters. These fees total {$92.00} on an account that originally had {$210.00}, erasing 42 % of the accounts balance. My only notice of these fees was the XX/XX/XXXX mailing. 

On XX/XX/XXXX, the bank told me they would reverse one years worth of charges, or {$53.00}. However, they refused to reverse the {$39.00} of remaining fees. I told them that these fees were unfair given that I had received no notice of these fees, and they could not produce evidence that they had given notice. 

I am filing this complaint because of Valley National Banks  predatory practices preying on consumers who wish to save money for their children, and then decimating the accounts value by charging fees without giving notice.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc (FL)

On a date im not too sure about, i signed up for bright money which was advertised as a free service. I linked my bank account in order to get my credit score reviewed and hopefully improved. On XX/XX/2023 I received an unauthorized amount of {$60.00} charged to my account via XXXX. I never accepted this charge, never wanted it, and never authorized it. This is a fraudulent company with many complains online and I want my money back.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I've been using PayPal for some time. And I'm a XXXX with. paypal. And then I suddenly I'm running into problems. I verify my identity on numerous occasions and the transactions. But today, for some strange reason, they shut down my account and won't give me a reason why. And the only assumption I can assume is that when I transferred {$1000.00} out of my PayPal account. to two friends that live close to a bank to go deposit my money into my passbook account savings account. PayPal gives me a stupid notification saying that after review or limiting your account and you can no longer use paypal. So I call customer service. The gentleman is telling me. all the things that I know about but they're not telling me the reason why he's telling me. Oh, you don't know the law when I do know the law because I used to practice the law. And I'm telling them to pass me to somebody higher up than him. And he's refusing to do it. And I explained to him that as a XXXX, I'm into the business of making money, not losing money. And numerous people complain about PayPal And then I'm finding out a lot of other things about PayPal being hacked. Well, the people that sit above us, the Board of Directors, are spending the money. On their personal gain. And there's no way of getting all their corporate office. So I emailed the investment relations department. PayPal should be mindful that every department in that PayPal should be reachable by telephone, including someone that sits in the corporate office. Not just the customer service telephone number you call and so on and so on. But they closed my account for reason. They won't give me. But like I said, I can only assume it's because of the two transactions I did. Then I did a wire transfer to my bank on XX/XX/XXXX. Go ahead and behold that, they stopped that transfer. And they won't tell me why. Paypal remind should be dealt with in the Court of law, which they've been to court numerous times in the XXXX XXXX. Should take a look into them too. But I'm getting ready to file out a complaint with the Consumer Financial Protection Bureau. And my attorney general 's office. And whoever, what we need to do. Is come together and file a big, major lawsuit against them because their security system XXXX. Their security system kicks in when it shouldn't kick in. That's our money. If we want to transfer to XXXX and not to a XXXX organization, then we should be allowed to transfer our money to whoever. Because two of my banks. Wait, let me correct that. Three of my banks refused to let me use my PayPal card with them. Basically, PayPal is a scamming company money transfer company. And they should be out of business completely. And the CEO should start taking serious to these complaints that people filed.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-08-09
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)

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$510.00} POSTED ON XX/XX/XXXXXXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-08-08
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. (OH)

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Liberty SBF (NC)

The attached True and Lawful Affidavit explains the circumstances of how Ive been victimized from fraudulent and deceptive trade practices and swindled out if thousands of dollars on an alleged account of which I was not loaned money nor goods nor services nor ANYTHING OF VALUE by this pretend lender. This account was paid in full by the US Treasury per the law. Im prepared for litigation should they deny the Truth. I advise that all supervisors immediately submit this claim to the CEO, COO and its attorneys on retainer along with the Accounting department so that they may immediately confirm the validity and accuracy of my Claim in this BILLING ERROR DISPUTE. This creditor can NOT validate any debt alleged to be mine. I have incurred significant damages from their deceptive practices and debt claims. I want a quick resolution. This claim will also be served via mail. This pretend lender solicited me as a consumer and approved my truth promising to forgive a loan but did not. They are equally responsible for any alleged loan if not fully responsible as they were to do Due Diligence knowing what was needed and approvals. Their employee XXXX XXXX advised and instructed to submit the application. I have recordings of her instructions. I followed them as the leaders and the knowledgeable experts who would not mislead, nor deceive. Furthermore there is no money to loan nor any debt. They have already been paid by US Treasury from Federal Reserve practices of GAAP. THEY ARE ALL COMMITTING what appears to be FRAUD. I have also repeatedly asked to stop XXXX and send printed statements and allow for mail in payments for transparency and accountability. They have violated my every right by not accommodating my needs. The loan could never be in default because its already paid in full however they wont accept any payments regardless unless drafted from a checking account. Law requires any negotiable instrument. Finally theyre accounting is sub par. I have repeatedly received several notices of default when the account was already in current status paid as agreed. The rep, XXXX XXXX, pleasant and helpful, on a recorded line said that it was a system error and my account was in good standing. Yet the error lasted for months with me receiving false default notices. I complained by email and certified letter to no avail with no responses whatsoever. Shut this business down unless they can truthfully signed the attached affidavit of the money-loan debt validation. Not a request to verify my name and SSN on an account and the debt amount. This is a true challenge to validate a money loan was made to me from Liberty SBF. They have been asked numerous times to do so but have NOT. and CAN NOT. I BELIEVE THIS IS FRAUD FROM DECEPTIVE TRADE PRACTICES HIDING BEHIND TRADE SECRETS. THERE IS NO MONEY EXCHANGE HERE BECAUSE THERE IS NO MONEY.