davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (OH)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-10
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. (NJ)

In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under XXXX u.s.c 1681... Account Name... XXXX XXXX  ... Account # XXXX ... Account name.. XXXX XXXX  ... Account # XXXX ... Account Name... XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-10-10
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. (CA)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VYSTAR CREDIT UNION (FL)

My name is XXXX XXXX. I have a checking account with VyStar and they have been making multiple unauthorized transactions. My parents do not currently have access to my checking account and we have contacted the bank multiple times to make it clear that none of their transactions are to come out this account. They keep making unauthorized car payments from my account, also doing this when my parents have already paid their car payment. This means they are taking out two payments a month, one of them from an unauthorized account which has no connection to the payment being made. This has been an on going issue and has happened repeatedly. We have made it clear that my account is not linked with theirs and they informed us it is not longer linked and shouldnt be an issue, but they keep taking out unauthorized payments from my account for a vehicle that is not mine nor under my name. They took out {$640.00} on XX/XX/year>. I also have a flight XX/XX/year> and now have no funds for my trip. This is leaving me in a very difficult situation and we have tried to resolve this issue multiple times over the last 2 years with no avail.
Consumer complaint received 2024-10-10
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)

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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  XXXX, has violated my rights.15 U.S.C 1681 Section 602 A. states the right I have to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C. 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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.

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 XXXX 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 2024-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This debt has been sold to a third party. However, the debt was written off by the original creditor, at that point this debt was then to be considered as income per the guidelines of the Internal revenue service. I will agree to pay this debt if someone can produce the original wet ink contract or by providing me with the purchase agreement provided in the sale of this alleged debt.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have created a myEquifax online account to access my credit information and be able to freeze/unfreeze my credit. For over a month, I have been unable to log in to my account and have been met with errors and to contact Equifax to have this resolved. I first contacted Equifax on XX/XX/year> with the issue. They noted that the constomer service agents on the line could not resolve the issue but created a technical support ticket to escalate the issue ( XXXX XXXX XXXX ). After calling back multiple times through the months of XXXX and XXXX to check on the status of the ticket, I haven't received any advancement in the resolution of my issue.
Consumer complaint received 2024-10-10
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. (PA)

The hard inquires on my credit report are NOT authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  They are not authorized, no permissible purpose or other reason. 
18 USC 1028A Producing without lawful authority an identification document or a false identification document.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (GA)

XXXX, to close my account right after hurricane hit XXXX  Georgia, and the account only had XXXX and i've spoken with him several times about releasing the funds to me, because they were mine and my brother sent them to me and uh, they kept telling me that they can't release the funds and they've sent me to another department and I never hear back from that department.
Consumer complaint received 2024-11-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Activehours (CA)

I used the Earnin app for advanced they they got paid. I also created NSF fees because of this when I spoke to someone in the chat, they kept insisting that it was a repayment for another transaction and my bank statement states it on there that it was for the XXXX and some change one and they re-took it out after over a month after they have already been paid.
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (MS)

I took out a loan to help with debt and this company Advance financial is engaging in predatory lending practices by charging significant amounts of fees for financing the line of credit above XXXX XXXX. My main was for XXXX. My first payment was in XXXX. In just XXXX months. My payoff amount is approximately XXXX accruing hundreds of dollars weekly. Even if I paid this loan back today, I would be paying about {$800.00} more dollars just for using this service, which is impossible to pay off.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I have had a Venmo account for XXXX years. Just a few months ago my account was frozen and they asked to provide proper documentation. I provided all documentation and ID, my account was reopened. 
This morning, my account was frozen again. They asked me for the same identification. I have almost {$2000.00} in my account and use this to pay my rent. They are telling me XXXX business days. 
No help at all, beyond ridiculous.
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I have held and account with PayPal for a number of years. My account was set up as a business account, because I was initially planning to start a business. That business never got off the ground. Therefore, I have never once used PayPal for a business transaction. I have used it as a payment utility, for internet security, and to transfer money between myself, family and friends. 
On XX/XX/XXXX, a friend who had come into some money, knew that I was having some financial difficulties, and offered a gift of {$10000.00}. I accepted. He asked how best to provide me with the funds, offering a check etc, but I suggested PayPal because they do not charge any fees for money transfers between friends and family. 
He tried repeatedly to make the transfer, but it wasn't working, so he offered a check instead, and I asked him to give it another try, and it finally went through. The following day, I found that PayPal had taken {$290.00}. And labeled the transaction a " purchase of goods or services. '' It was no such thing, and even though my account has clearly never once been used for business, they have refused to even consider my appeals. They have effectively robbed me. There was no credit or anything else other than the transfer that I have always been able to do without fees in the past. Not until there was a substantial sum of money passing through my account did they tack on an exorbitant fee. I needed every penny of that money, and would never have even considered using PayPal had I not believed it could be done at no charge. Thus far, my appeals have fallen on deaf ears. I hope that you can help.
Consumer complaint received 2024-11-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Two separate emails that are made to look like they originate from paypal. 

Email came from " XXXX '' XXXX stating I had a balance with XXXX XXXX. The first email said the balance was {$790.00} then it was updated to {$1300.00} A second email from " XXXX '' XXXX stating that I had a balance with XXXX XXXX XXXXXXXX amount was for {$890.00} the other for {$980.00}. 

They even include phone fraud phone numbers.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Over the span of a week, I was sent payments from a user with last name, XXXX, from XX/XX/XXXX to XX/XX/XXXX, four in total, three for {$1000.00} and one for {$500.00} for a total of {$3500.00}. These were completely normal, legitimate transactions, with somebody I had previously sent and received money from on Venmo. However, a couple days later, they disputed the transactions, pulling my account to a - {$3500.00} balance and suspending my account. But just a couple days later, the investigation had already been completed and I received four emails from Venmo/Paypal stating that the investigation is complete and Our investigation team has determined your dispute has been resolved in your favor. No further action is required and we consider this claim closed. If there was a hold on this transaction, it has been removed. In those exact words, they told me that the claims are in my favor and that my account would be returned to {$0.00} instead of negative and the hold removed from my account. 

However, after receiving those emails on XX/XX/XXXX stating that its been resolved in my favor and it is officially closed, just a few days later on XX/XX/XXXX, I received more emails stating that because the user filed a dispute with their bank ( since Venmo/Paypal ruled in my favor and against them ), that Venmo is staking the blame on me and charging me for it, even though their own investigation team even said that it should be resolved in my favor and that there was no error or unauthorized transaction. Now, they went back on their own word and claim that my account would be returned to its normal status, and my account is now back to being - {$3500.00}, unusable until I pay this amount which I should not owe as they ruled the resolution in my favor and even said it was closed, and my account is now suspended with this negative amount until I pay it. I have already reached out to the user but no reply from them, filed a police report, and contacted Venmo about them going back on their own investigation ruling. However, their response was completely unsatisfactory and just said that users shouldnt participate in activity that might result in disputes or claims and similar sentiments, but that makes no sense as I have dealt with this person multiple times with no issue, I had no idea these transactions would result in disputes and claims, its not my fault. And even with the claims being ruled in my favor, Venmo still went back on their word and changed the ruling, solely because the other user filed a claim with their bank instead, yet the customer support agent did not address this at all in their email.