davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX First opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened at I XXXX Systemsopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a coov of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) and # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These are the fraudulent, unauthorized inquiries listed below : HARD INQUIRIES XXXX XXXXXXXX EQUIFAX XXXX XXXX EQUIFAX The consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 6058 ( 15 U.S.C. 1681 c-2 ), that the EQUIFAX credit reporting agency block all of the inaccurate spellings of my name, wrong addresses, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DC)

I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (FL)

I went to XXXX in XXXX and had purchased 2 train tickets from XXXX to XXXX. On the day of travel we are told that the trip was cancelled do to strikes in the city. I went on my phone to purchase other train tickets and I used my UPGRADE credit card, the transaction was declined and my card was blocked. Mind you, I was already at the train station and there were a lot of trains that where cancelled so I used another credit card to make my purchase. We got on the train and sitting there I decide to check my email and I see that I got an email from the train company congratulating me on the purchase of 2 train tickets. This email was from the transaction that was declined from UPGRADE. I was on vacation and I was stressed and frustrated to find out that the transaction went through in the end when originally it was declined. I unblocked my upgrade account and got in contact with them about the issue. This was on XX/XX/2023 and we are in XX/XX/2023 and they have not resolved my issue about refunding that transaction, not only that. yesterday I received an email saying that my issue was resolved and closed. I called them again today and they told me that they were going to open the case up again and that I needed to show them proof that I reached out to the train company and to show them a receipt that has the correct amount that was taken out of the account. This is ridiculous, the receipt that I have is in Euros because I was in XXXX, it is another currency. I have never had problems with a credit card company. They even had the audacity to tell me that I probably ran the card twice so 1 transaction went through and the other declined. If a transaction is declined there is no way it can go through. They have in their system that the transaction was declined and they still do not want to give me a refund. I called again and asked for a manager and they told me that was not possible and that my transaction was never declined that it was flagged for suspicious activity. The transaction was declined when I made the the purchase. How are you going to tell me that it was flagged because of suspicious activity and still run the card. It is {$180.00}, you know how much I have to work to make {$180.00}? This was a mistake on their part and I am being penalized. The worse credit card ever!
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC (NE)

The company is called National Account System of Omaha, LLC and their address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have verbally and in writing to response to their request for verification of debt letter and all invoices and bills. I have been asking since XXXX, XXXX the very day I found out about this. As of XX/XX/XXXX, I have received no bills and no validation of debt letter and no verification of debt letter. The only thing I have gotten from them is lawsuit dates for court hearings. I've been to court twice and still nothing from them to verify this debt.
Consumer complaint received 2024-09-30
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX  complaint, I am requesting for the negative reporting to be removed from my credit profile.
Consumer complaint received 2024-09-03
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: WELLS FARGO & COMPANY (IL)

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, Wells Fargo, and XXXX on my XXXX report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Dear PayPal Support Team, I am reaching out to appeal the permanent limitation imposed on my PayPal account associated with the email address XXXX I believe this action may have been taken in error, as I have consistently adhered to PayPals policies and have not engaged in any prohibited activities.

As a dedicated user of PayPal, maintaining a positive and reliable relationship with your service is very important to me. I am committed to addressing any concerns that may have led to this situation and am eager to resolve any misunderstandings. 

I kindly request a detailed review of my case, with a careful examination of the circumstances that led to the account limitation. I am confident that a thorough review will uncover any errors or misunderstandings. I am willing to provide any necessary documentation or additional information to support my appeal. Reinstating my PayPal account would greatly alleviate my current financial difficulties and allow me to continue using PayPal for my transactions. 

Thank you for your attention to this matter. I hope for a swift resolution and the opportunity to restore my access to PayPals services. Please let me know if you need any further details or documents from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
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. (KS)

Someone used my information with these lenders without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

I am submitting a complaint about the recent arbitrary reduction of my credit limit on my XXXX XXXX credit account from {$4500.00} yo {$4200.00}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my XXXX XXXX. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my XXXX XXXX. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong XXXX XXXX is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$4500.00}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

My car was a total loss after being involved in an accident. The XXXX XXXX gave Venmo as an option to receive funds to be paid to myself after the loan was paid off on my total loss car. Those funds were sent no issues. I paid a couple of small bills virtually and the majority is in my Venmo. Venmo froze it. No reason no explanation and no ways to solve this. I found out the account was frozen at the end of my transaction with a car dealership when about to make my down payment. I had no ride home I have no family here. I have no money available and all of this has been expressed to Venmo. They required ID verification which Ive provided XXXX  times. They still keep giving no reason why they wont release my money. Please please help!
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

XXXX XXXX morning at XXXX am Venmo sent me an email saying my account was frozen. The night before friends and family all made donations or gifts to me for assistance in getting through until I take my XXXX XXXX XXXX in XXXX. All day XXXX  I have tried to get answers as to why my account was frozen and I couldn't access my money, to no avail. My emails went ignored, to which I sent many because my rent was due that day. And now because of Venmo I have incurred late fees for my rent and may be at risk of XXXX. I also called customer service a number of times and they did absolutely nothing but read a script to me. Venmo asked Me to upload a picture of my ID in their initial email informing me my account was frozen. The issue was my ID is expired, but I have paperwork ( temp ID ) from XXXX showing my new ID is on the way. When I spoke to a supervisor at XXXX she told me it would be fine if I uploaded what I had from XXXX and my expired ID. I even took the extra initiative to upload my husband 's ID as he has received payments on my venmo before. In my opinion Venmo with holding my assets from me is in violation of the Federal Trade Commission act section XXXX, under the basis that Venmo has represented, directly or indirectly, expressly or by implication, that money credited to a consumers can be transferred to an external account. And in my instance Venmo has failed to disclose or adequately disclose my funds could be frozen, this information would be material in my decision to utilize the Venmo app. Which is a deceptive act or practice. I could also get into the fact that they are not legally allowed to without funds that are rightfully mine without clear and concise reasoning, and proof of wrongdoing, of which they have none, because I have read their XXXX  and have done nothing to violate them. I also keep getting diffrent time frames from them ranging from XXXX day to XXXX days. None of which I have time for. I have bills that need to be paid.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

PLEASE HELP ME, EVERYTIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2024-09-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received A XXXX $ Amex prepaid gift card. I have been unable to use it anywhere. Ive tried XXXX, XXXX, XXXX, gas station, XXXX XXXX and it is always declined. I contacted XXXX customer service. They told me that they decline the card to protect me. Which makes no sense.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Hello, I have taken ZIP loan ( Line of credit ) from XXXX XXXX which was managed by " XXXX XXXX XXXX XXXX '' I have repaid amount and initiated account closure from their end. 

I received confirmation from the XXXX support team, but upon checking my credit information, my account status was not updated accordingly under credit bureaus. I have spoken with the respective team and got the conclusion that information is to be updated from " XXXX XXXX XXXX XXXX '' end. 

I coordinated both of them and received response as they have updated information as closed but still its showing as Active status under my report I have attached confirmation chats from XXXX support and the latest Experian report for your reference. Its been ages, and the issue still persists, Due to this, my financial planning has been impacted, and I couldn't go for a new loan. When I tried to go for a new loan application, it got rejected and impacted my score again. I really exhausted explaining things to credit bureaus, and I need compensation and also resolution from both ends.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (CA)

These accounts constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX