davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2023-07-13
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 (AL)

Incorrect information reporting on credit. Incorrect days late reporting on credit report. Ever since I had a payment to reverse my account has been reporting late but Im not technically this many days late. The payment later went through for this payment in XXXX. And its still reported as late and has been occurring days since. I have extra late fees because of this information. Even after Paying {$860.00} on XX/XX/2023, {$500.00} on XX/XX/2023, {$450.00} XX/XX/2023, {$810.00} XX/XX/2023, {$300.00} XX/XX/2023 and {$550.00} XX/XX/2023. The account was never updated correctly in the amount of days late. Late fees continues to increase as a result of this.
Consumer complaint received 2021-05-01
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)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXXXXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, my phone was stolen. While in possession of the stolen device, the thieves were able to change my XXXX password and FaceID. Presumably they used XXXX of these to initiate a XXXX transaction from the Citibank Mobile banking app in the amount of {$2500.00}. Upon reporting fraudulent transactions to all other financial institutions, including Citibank 's normal checking services, other teams worked with me to collect information and resolve the disputes under the The Fair Credit Billing Act ( FCBA ). Even after following up, when Citibank Mobile fraud failed to ask for sufficient information regarding the status of the case, I sent information regarding the details of the police report I filed of the stolen device to XXXX XXXX XXXX, as instructed. I received no response, and once again had to call in to receive a status update regarding the case. I am extremely frustrated that Citibank is unresponsive, and is in breach of The Fair Credit Billing Act ( FCBA ). In addition, Citibank 's bank fraud team seems to not have their records in order, as they have accepted XXXX fraud claims and not the XXXX  in the same amount as XXXX of the claims, thinking that it is a duplicate transaction, in the amount of {$240.00}
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (DE)

Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with keybank who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from XXXX  saying its a total loss and is being paid off. Neither XXXX  or keybank will help me in anyway. My next step is to take legal action
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal has unfairly debited balances of my account with them, despite providing foolproof Proof-of-Delivery and neutral third-party evidences to PayPal for their perusal. Herein attached image depicts the PayPal cases, amount in question, and occurrence dates.

It is extremely bias and unfair to honest sellers like myself to sustain this monetary lost due to PayPal 's indifference for these. 

PayPal with the supporting documents, decided to take the easier way out and let the fraudulent buyer get away with it, and refunding the payment back to the fradulent buyer. I have lost both the funds, and also the delivered assets. 

Upon further research in public domains, I see many complaints on PayPal of similar nature too, thus writing in here to hopefully make our voices heard.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks
Consumer complaint received 2024-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (NC)

I PURCHASED A XXXX  IN XX/XX/XXXX. I HAVE HAD BILLING AND PAYMENT ISSUES SINCE THE FIRST PAYMENT FROM M & T BANK LOSING THE INITIAL FINANCIAL DOCUMENTS WITH BANK INFORMATION ENCLOSED, TO PAYMENTS NOT BEING APPLIED, TO NOT HAVING CORRECT INFORMATION, TO LYING ABOUT MY INSURANCE COMPANY FILING A TOTAL LOSS REPORT, AND MORE. 

I JUST RECEIVED A CALL TODAY, XX/XX/XXXX, STATING THAT MY XXXX AND XXXX PAYMENT WAS NOT MADE. MY DAUGHTER WAS AUTHORIZED TO SPEAK WITH THE REP, AS ALWAYS, ON XX/XX/XXXX AND WE DID A PAYMENT OVER THE PHONE BECAUSE THERE IS ALWAYS AN ISSUE WITH M & T BANK AND PROCESSING A PAYMENT. THE PAYMENT, MADE ON XX/XX/XXXX ( CHECK # XXXX ) WAS COMPLETED WITH A REP ON THE PHONE. IT CLEARED AND POSTED XX/XX/XXXX. AS OF TODAY ( XX/XX/XXXX ), A NEW REP STATED THAT SHE HAD TO TOGGLE INTO DIFFERENT SYSTEMS TO SEE WHAT HAPPENED WITH THE PAYMENT AS SHE SHOWS IT WAS REVERSED AS OF XX/XX/XXXX. NO PAYMENT HAS BEEN REVERSED IN OUR ACCOUNT. MY DAUGTHER ASKED HAS THIS BEEN REPORTED TO THE CREDIT BUREAUS AND XXXX STATED SHE DID NOT KNOW AND WE WOULD NEED TO CALL TO FIND OUT. WHAT A WASTE OF A FINANCIAL INSTITUTION. CAN'T GET THEIR BANKING STUFF TOGETHER AND MAKES IT HARD FOR THE CUSTOMER. IF THE XXXX  PLACE DIDN'T DO LOANS THRU THEM, I WOULD HAVE NOT GONE WITH M & T. THEIR STANDARDS ARE LOW AND THEY HAVE A LACK OF CUSTOMER SERVICE AND KNOWLEDGE. 

THE XXXX, THE REP ( XXXX ) STATED WAS REPORTED BY MY INSURANCE COMPANY AS A TOTAL LOSS. I HAVE A DOCUMENTED LETTER AND EMAIL FROM THE INSURANCE COMPANY NEVER RECEIVING ANY REPORTED LOSS ON OUR XXXX. THE XXXX  HAS NEVER BEEN IN AN ACCIDENT. XXXX DID NOT REPORT THIS AS STATED PER XXXX. ( SEE LETTER FROM XXXX XXXX M & T BANK NEEDS TO CORRECT THESE ERRORS TO NOT ONLY MY ACCOUNT, DUE TO THEIR LACK OF KNOWLEDGE AND PRACTICES, AND ALSO CORRECT MY CREDIT REPORT SHOULD THEY HAVE REPORTED NEGATIVELY. 

I WILL TAKE THIS TO THE NEWS ALSO AND MY DAUGTHER, XXXX XXXX, IS ALSO ALWAYS AUTHORIZED TO ASSIST ME WITH MY FINANCIAL MATTERS. 

AN ACH PAYMENT IS WHAT IT IS, AN ACH PAYMENT. WHY DOES IT MATTER WHOSE ACCOUNT THE PAYMENT COMES OUT OF. IF MY DAUGHTER WALKED INTO A BANK AND MADE A PAYMENT ON THE ACCOUNT WITH CASH, ARE YOU GOING TO REFUSE THE MONEY BECAUSE IT'S IN HER HANDS? THE LACK OF KNOWLEDGE COMING FROM THE REPRESENTATIVES MOUTHS IS UNDENIABLY RIDICULOUS.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-05-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$4100.00}, {$19000.00}, {$6400.00}, {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

3. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am putting credit reporting agencies on notice that I have opted out with these financial institutions to stop sharing my non public personal information and these are my CFPB complaints CFPB - XXXX - XXXXXXXX XXXX XXXX XXXXk CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX CFPB - XXXX - XXXX XXXX CFPB - XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

I am signed up for a XXXX XXXX saving app that I am unable to connect my PNC account to. In order for me to automatically save small increments of money daily I need to be able to link the two accounts and PNC has made it so that can not happen. I am thoroughly upset and I hope that they can resolve this problem so that I can re link my card and go back to saving my money the way I like to.
Consumer complaint received 2024-01-06
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. (TX)

On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/, my car was broken into and they stole my wallet with all my credit cards ( including macy 's ) and identification. Please refer to the police report : XXXX. 

Since my identification was stolen with my credit cards, they thief walked into Macys and purchased {$800.00} of stuff without my permission, which is still showing on my credit report. 

I tried to work with Macy 's by providing the police report information to them and they still kept the charges on my account and credit. I disputed this charge with XXXX 3 times and same results. Therefore, I contacted XXXX prepaid legal as this is a case of stolen identity in which I am being held legally responsible for, which is incorrect and needs to be rectify immediately. This charge is damaging my credit report and opportunities to use credit. Since Macy 's didn't believe me and continued to keep the charge on my account, I requested the credit card be closed immediately. 

I refuse to do business with any company that holds you responsible for something you didn't do. It's not good business by far. 

Identification theft is a nightmare and when you have companies like Macys who only care about the money not the customer. I prefer not to spend a XXXX investing in there company.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

For months, since we opened the bank account late last year, we have been restricted/prevented from depositing funds into our new checking and/or savings account arbitrarily by Chase Bank. Sometimes they would prevent XXXX or XXXX deposits, XXXX deposits, wire transfers, cash, checks, even merchant account deposits. The reasons that Chase Bank would give us were both bizarre and nonsensical, and they always asked for something more as if they were deliberately trying to either provoke us, or fail, or get late with a response. One of the last items they required was a copy of our lease agreement with our current office space at XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  NY XXXX that we have been occupying since XXXX XXXX XXXX years ) but wherein we have a special relationship with them because it has always been an " auto-renew lease agreement '' since it s not a landlord-lease agreement but rather a " service agreement '' more akin to a hotel ( new trend, because they also accommodate virtual offices as well as physical tenants offices such as ours ). So now, these monsters at Chase Bank, rather than fix or ameliorate our problems with the above arbitrary and capricious refusals to allow us to deposit or become stable with our bank accounts, have instead decided to arbitrarily and capriciously CLOSE our bank accounts today, via email, on a Friday no less, when we can do nothing as the weekend now approaches. What makes matters worse is that we have incoming deposits on the way en route, and they did not even provide us with a reasonable window period or 30 day notice so that we can make arrangements for incoming and outgoing bill payments. This is the height of bank irresponsibility, cruelty, unprofessionalism, criminality. Please open a case, investigate, and advise.