davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX, my husband and I attempted to buy tickets on XXXX for the XXXX game. We sent the money to a XXXX XXXX who requested to be sent friends and family who never responded to our follow up messages. I reported it to PayPal as fraudulent and they said nothing was fraudulent about it. My bank was also aware of it that same day.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

XX/XX/2020 RE : Citibank, N.A., Security Services, Last four digits of Account number XXXX, and reference your case # XXXX with XXXX XXXX XXXX , XXXX, ( XXXX ). 

Citibank , N.A . address identifier at XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. 

From XXXX XXXX XXXX This notice and communications is sent to Citibank, N.A., to inform them to stop and cease their actions. The account XXXX is been closed due to fraud and identity theft. XXXX, has communicated this to Citibank , N.A . and me in a letter of XX/XX/2020. I have affirmed to Citibank , N.A . this fact, that the account has been closed due to identity theft and fraud. Citibank, N.A., has continued to behave unprofessionally and continues to haze me. Citibank, N.A., has acted without care regarding protecting my identity or restoring the costs of legal fees and research due to its own data breach. The data breach within Citibank, N.A., recorded in its history. 

Citibank, N.A., is harming me personally and in error, my address identifier is not XXXX XXXX XXXX, XXXX, New York, XXXX. Citibank, N.A., is no longer permitted to sell my identity and personal data to companies, this is hazing and an act of harm and violence against me. 

Thank you so much for your attention to this matter. Citibank , N.A . is to stop and cease all actions against me immediately. XXXX, XXXX, or XXXX  are not selling my address identifiers to companies. I have secured personal identity theft protection at my own cost. 

Citibank, N.A., has a debt due me of {$7500.00} for legal fees, research, identity theft protection, loss of wages, inconvenience, and misuse of my name, address, and personal identity. You have to stop selling my identity. Please mail my check for {$7500.00}, to XXXX XXXX XXXX, XXXX, New York, XXXX, for legal fees and research and stolen identity.
Consumer complaint received 2019-05-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (TN)

This company is harassing my father with calls to contact me even though they have my number. My father has XXXX and is tired of them calling his phone. I have told them repeatedly to not call. I don't even know how they got his number as I didn't use him as a reference and didn't list him as a co-signor. I want to verify how they got his personal information as it is now a privacy concern.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nair & Levin, P.C. (CT)

I sent a cease & desist letter to Nair & Levin P.C. and want to report it to the CFPB as well so that there is a visible record online. I do owe XXXX XXXX XXXX file # XXXX {$350.00} in which this week I will start making payments toward that amount due. There was a simple mix up in my health insurance coverage and I did not realize that there is in fact the outstanding {$350.00} due. However, Nair & Levin are not the original creditor and I do not wish to work with them in any capacity. I am publicly requesting that they cease & desist from all related matters concerning this debt. This includes any reporting that Nair & Levin may have done to the 3 majors credit bureaus XXXX, XXXX, and XXXX. If they have done any reporting I want it removed by them a/s/a/p. I have every intention of paying XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I sent a request to Experian on XX/XX/XXXX to investigate and substantiate incorrect information in my credit file. Experian responded and noted the information confirmed and accurate. I followed up on XX/XX/XXXX per my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency information within 15 days. Instead of Experian complying with my request, I received three STALL LETTERS. They have failed to correct my file within the required timeframe, and I demand that all invalidated information be immediately deleted.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (WA)

On or about XX/XX/XXXX XXXX  reported on my mortgage ( held by Nationstar Mortgage ) that was part of a bankruptcy in XXXX. This was clearly illegal and harmful and caused me great distress. We are in the process of looking for a new home and need financing. Several days later the item was withdrawn and my credit score dropped 11 points. I received confirmation of this through XXXX XXXX. I sent a letter to the mortgage company ( Mr. Cooper ) who replied that I should call. I called them ( XXXX ) on this date XX/XX/XXXX and requested my credit score be fixed. Their reply was that it was XXXX XXXX   fault for ignoring the suppression of this item and they would not fix it and it could not be fixed. Please help me with this as I am very upset.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax will not give me my annual free credit report but instead requests that I send them copies many personal financial and identification documents by mail. They are placing inordinate stumbling blocks in order to avoid compliance with the annual-free-credit report law.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I thought I bought concert tickets using Zelle through XXXX XXXX. I sent XXXX dollars via zelle to the seller and was asked to send more money. Therefore, I knew it was a scam. I did not receive the tickets or a refund from the seller. Capital one has opened a case for me but says it is unlikely I will get the money back since I authorized the payment.
Consumer complaint received 2023-07-23
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. (PA)

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 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 2023-07-21
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. (NJ)

I checked my credit report and found that some of the data were incorrect. 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
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX decided to contact citi XXXX credit card personnel due to text received that included a Citi Alert TEXT from XXXX that indicated that {$670.00} transaction with " XXXX XXXX XXXX XXXX XXXX XXXX was canceled and won't post to your acct. '' This text was received on Sunday XX/XX/XXXX. I check transactions and the {$670.00} did post but was not removed. Since I had received a previous text from XXXX on XX/XX/XXXX about XXXX that was deemed suspicious since I had XXXX what that XXXX concerned but the XXXX texts were a wash and I did not see that transaction on the citi XXXX app. I thought these texts could be bogus and not from the legit citi so I called to inquire if the XXXX is or is not a legit XXXX digit text number. I spoke to various nonfraud reps including a supervisor and she said she would contact fraud dept and placed me on hold. The call ultimately dropped while waiting. This supervisor indicated that citi texts come from XXXX??, XXXX XXXX dept, XXXX Citi XXXX ; she was not sure about XXXX. She mentioned that there have been many daily reported problems with texts generally. Since there was a disconnect I called the fraud number ; plus I received texts from XXXX " XXXX  XXXX XXXX XXXX fraud dept : WE need to speak to you about XXXX 's card XXXX please call XXXX. '' I called XXXX different numbers to fraud dept, the system did not acknowledge XXXX card last digits, did not recognize cell phone number provided, the automated system kept moving between keypad and voice answers. Ultimately I never received an answer to my QUESTION is XXXX a valid Citi text number??????? Yes or NO???? The fraud dept staff insured that my credit card was locked and I would receive a letter in the mail within 10 days. Citi is extremely willfully, wantonly and knowingly unhelpful ; that is what banks prefer to offer customers. I am the one who initiated the inquiry yet CITI remains NONRESPONSIVE. CITI solution is to LOCK. The fraud employee asked whether there was another telephone number associated with the credit card ; I replied no. Solution is to lock legitimate card holder out from utilizing the credit card normally. Citi staff is unprofessional and definitely prefer not to assist card holder ; the only solution is to LOCK but not provide a clear explanation of their fraud concerns or completely answer customer questions and address concerns brought to CITI 's attention. CITI should have a database that reflects bogus text XXXX digit numbers utilized. XXXX is being utilized by whom as in what entities? I have experienced many unsafe issues with this CITI bank XXXX Credit Card over the years. Apparently citi card is unsafe to utilize and extremely and regularly vulnerable.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
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. (WA)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IN)

I PAID FOR MY ACCOUNT ACCESS WITH EXPERIAN membership XX/XX/XXXX/XX/XX/XXXX/2019..and STILL HAVEN'T BEEN ABLE TO LOG INTO MY ACCOUNT, I HAVE COMPLAINED TO COMPANY AND RECIEVED COMPLAINT NUMBER. - # XXXX.I HAVE ENCLOSED A SCREEN SHOT THAT THEY REQUESTED IN EMAIL AND STILL HAVEN'T RESOLVED THIS MATTER..
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I attended XXXX  college in XXXX XXXX from XXXX to XXXX. While attending this school I had taken all student loans to be able to afford my education. I have not nor was I ever able to get a job in the field that I graduated for and now I am unable to obtain transcripts or any further information about my enrollment or completion of that program and have loans that I have to repay. Its also going to cost me additional monies to achieve the same goal and retake classes and I have already completed which now I have no proof and can receive credit for.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (PA)

I transferred {$1700.00} from XXXX XXXX XXXXXXXX on XX/XX/23 At first I forget that I applied for a balance transfer from XXXX XXXX XXXXXXXX. So I question the payment to Barclays /priceline credit card.I called them back within 24 hours and told them to except the payment. I received a letter from Barclays telling me the problem was resolved. Well on XX/XX/23 I made a payment of {$70.00} dollars.They allegedly returned the {$1700.00} but they didn't and they didn't credit my account. I have called several times to have the funds of {$1700.00} either credit to my Barclays account or return it to XXXX XXXX XXXXXXXXI have a case number XXXX Basically Barclays reported to the credit Bureau that I was late on a payment! which I wasn't because they are still holding on to {$1700.00}. I have filed a claim with there company and I have spoke to at least ten different representative. So not only did they lower my credit score but they are holding {$1700.00} I have ask how and where the was allegedly return to.I have also asked for a tracking number but I was informed that they dont do that!
Consumer complaint received 2023-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PayActiv, Inc. (TX)

I loaded {$500.00} to Payactiv and after trying to use the card. They locked the card and refused to work with me to get this corrected. It's been months and my father needs help with his expenses.