davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-27
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. (TX)

I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from Equifax, XXXX, and XXXX. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : XXXX : ACCOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX XXXX XXXX DATE : XX/XX/XXXX, ACOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX. XXXX : ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE XXXX XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX  DATE XX/XX/XXXX These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable. 

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies.

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not. 

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports. 

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end. 

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NY)

In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. 

One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. 
I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. 
They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. 

I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. 

This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. 

Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. 

I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.
Consumer complaint received 2023-09-11
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. (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AR)

On XX/XX/2023, I completed two separate transactions successfully. On XX/XX/XXXX, I received two notifications within 30 minutes of each other stating that those transactions had updated, essentially doubling the amounts of this transactions. They are as follows : Merchant : XXXX Original transactions amount : {$10.00} Cash App updated amount : {$20.00} Merchant : XXXX Original transaction amount : {$430.00} Cash App updated amount : {$870.00} Total amount stolen by Cash App : {$450.00} XXXX I immediately reported my card information stolen and ordered a new card. I also did my due diligence and followed up with the merchants to ensure that I had not been charged twice by their systems. After being unable to get through to Cash App support, I went to their support page on XXXX, which acknowledged their support system was down and that transactions have been doubled. However, I am being no responses and no resolution as many others have not as well. This was part of my rent money for XXXX and I want it back. Now.
Consumer complaint received 2023-06-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (OK)

My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!
Consumer complaint received 2023-06-27
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (TX)

On XX/XX/2023 I noticed on my credit report inaccurate information reported by Navient Corporation. I noticed a 90 day late payment on my credit report therefore dropped my credit score XXXX points. I have been in the IBR plan and I never got a notice for late payment for 30 days or for 60 days. We are still under the Covid Relief Law 15-U.S Code furnishers of information to consumer report agencies. I tried to reach out to Navient with no luck they have refused to help. I would appreciate it if this Late Payment Remark be removed from my Credit Report as I have been in good standing and we are still under the Covid Relief Law.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance to the fair credit reporting act, XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 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.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (NY)

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with East West Bank regarding financial transactions that caused me significant financial and psychological harm. 
The acct number that I've submitted is for my XXXX XXXX  acct from which the money was transferred to East West Bank. 

Please see the attached PDF file containing all relevant documents and evidence.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (WA)

I had a credit card with Chase Bank that had an outstanding balance that was discharged thru bankruptcy. This debt is still showing on my credit report. I met with Chase Bank employees to get a written statement that there was no outstanding balance. Although the bank agreed that the balance was discharged they would not provide documentation to that effect.
Consumer complaint received 2017-02-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. 

Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. 

It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to file a formal complaint against Equifax regarding XXXX XXXX, a creditor who has reported late payments on my account. I am deeply dissatisfied with the conduct of XXXX XXXX in regards to their reporting and handling of my account, and I believe their actions have violated several laws and regulations. 
On XX/XX/XXXX, I sent a letter via certified mail ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reporting on my XXXX XXXX XXXX for XXXX and XXXX of XXXX and XXXX to XX/XX/XXXX. These late payments are in direct violation of 15 U.S. Code 1666b - Timing of payments, which clearly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of periodic statements. 
I understand that Equifax must comply with the Fair Credit Reporting Act ( FCRA ) and maintain accurate and up-to-date information in my credit report. Therefore, in the same letter, I also urged Equifax to rectify the errors in my credit report caused by these late payments. The letter was sent to Equifax CEO XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) and Equifax XXXX XXXX XXXX XXXX, GA XXXX. Furthermore, I want to emphasize that the original contract, which identified XXXX XXXX  XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, any reporting or actions taken by XXXX XXXX pertaining to my account after that date are invalid and should not have occurred. 
Additionally, on XX/XX/XXXX, I sent a letter to XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) invoking my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In that letter, I explicitly requested that my personal information not be shared with any third parties, including XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, or XXXX. 
I am deeply concerned about the unauthorized sharing of my personal information by XXXX XXXX, which may result in potential privacy breaches and compromise the security of my personal data. I expect XXXX XXXX to respect my rights and refrain from sharing my personal information with any third parties without my explicit consent.Given the seriousness of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against XXXX XXXX  and take appropriate action to ensure my rights are protected. I believe XXXX XXXX should be held accountable for their actions, and the necessary steps should be taken to rectify the errors in my credit report and prevent further unauthorized sharing of my personal information.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Experian remove the Charge Off showing under my name with XXXX as well as remove this account and Experian as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (IL)

On XX/XX/2023 I made a purchase at an ice cream shop with my spouse for {$12.00}. CashApp over charged me by adding a tip of {$12.00}. They took money from my savings account to cover the fraudulent charge. They now owe me {$12.00}. 
XX/XX/2023 got a text stating that i need to add money to card, because account went negative. due to a tip of {$12.00} being added to account. 
XX/XX/2023 I called ( XXXX ) them, the stated that the can not give me my money back at this very moment due the fact they are still researching the issue. WITHHOLD FUNDS THAT WERE FRADULENTLY TAKEN FROM ME IS NOT A ME PROBELM but a cashapp problem. I need all my money back and will not use their debit card except to receive cash and to transfer out.
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports.

The IRS defines a charged-off account as a canceled debt that you must pay taxes on.

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2023-08-01
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. (FL)

I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.