davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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 (NJ)

On Friday XX/XX/XXXX venmo suspended my account, making my money, the only money I have, inaccessible to me. I received an email stating I needed to submit identification documents including a selfie of me holding my license which I sent in immediately upon receiving the email. The email offered no other information or explanation as to why my account was suspended nor did it give me a timeline for when it will be active again. I've reached out several times a day to customer support and each time I have been told that my account is being reviewed by account specialists who conveniently can not be contacted. I was told I just have to wait to receive their email in 7-10 business days. I have done nothing wrong to warrant this and that is all the money I have. My regular bank account, in the meantime, has fallen below {$0.00} resulting in increasing fees with each passing day.
Consumer complaint received 2022-11-13
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. (MN)

XX/XX/2022 I've disputed a inquiry made from XXXX XXXX XXXX  that I don't not recall resolution from equifax looks to be you requested the inquiry which I haven't did because I been trying to fix my credit.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-09
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. (ND)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-27
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)

I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This XXXX  disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX. I got a call from chase bank saying there was suspicious activity going on in my account. Which there was. I was a new customer only been with them since XXXX. So I didnt know what their policies were. The days go by and I find out that all my money is gone. I tried and tried with every department but they just ended up calling me XXXX basically and said that the money was long gone. I wasnt able to get a reimbursement. Just a Im sorry.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

Chase Sapphire XXXX was applied for and approved on XX/XX/23, the card was received the night of XX/XX/23. The Chase app stated that the due date was XX/XX/XXXX and the date where it shows the statement close date had - -. I took a screenshot of the app and I called the Sapphire line. The representative assured me that the due date was XX/XX/23 and that it would report no sooner than that. However, the card was reported on XX/XX/23 and reflected a 99 % usage. It was suggested that the first stated period would be in the terms however it is not. The statement said it was a XXXX billing period. I had been told by XXXX representative its always 20 days but that could not be corroborated with any info from Chase. Their site consistently states XXXX days in a cycle. There is no consistency across their cards, my XXXX XXXX had a preliminary billing cycle of 26 days my XXXX XXXX was 20 days. Because of this early and unstated, on both the app and over the phone, the due date with the high credit use dropped my XXXX score by approximately XXXX points as reported by each of the XXXX CRAs. Not one single Chase Credit dept employee could tell me why this happened and no one could point to any information that I was provided that stated the first due date was XX/XX/23. I took a screenshot which I will provide along with the XXXX  showing it was taken on XX/XX/23 of the pain screen for the Sapphire card, no closing date shown just - - and a minimum due date of XX/XX/23. Also attached is Chase XXXX XXXX showing a drop in my score on XX/XX/23 after reporting, my XXXX report reflecting that card report.
Consumer complaint received 2023-11-15
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 
From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ XXXX ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX : XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Consumer complaint received 2023-11-15
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'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 2023-11-15
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)

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 2023-11-15
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-15
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-15
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. (GA)

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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (PA)

My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 2023-04-20
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 (CA)

Dear PayPal Team, I am writing this letter to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that the decision to permanently limit my account was made in error and would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal PayPal user for many years and have always made sure to follow all terms and conditions. Therefore, I was extremely surprised to receive notification that my account had been permanently limited. 

I would like to bring your attention to the fact that I have been conducting legitimate transactions through my PayPal account, and there has been no suspicious activity that would warrant the limitation of my account. I have provided all necessary information to verify my identity and account ownership, yet my account remains limited. 

In light of the above, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough investigation will confirm that my account was limited in error and that I have not violated any PayPal policies. 

I appreciate your attention to this matter and your commitment to ensuring the safety and security of your platform. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION ()

I placed {$40.00} on a cd on XXXX at SUNTRUST BANK 's branch office in XXXX, Fl. The lenght of the cd was 4 years with an annual interest rate of 2 % .On XXXX of XXXX, while i was waiting to get my money released, i found out the bank had changed from Suntrust to TRUIST BANK XXXX and unauthorizedly renewed my cd until XXXX, and changed the annual interest rate from 2 % to 0.01 % .Since i am not able to visit a branch office, I have called several times, getting no response from any of the customer service operators i have spoken to. I've sent e-mails, i have mailed documents to the addressesn provided for it, yet i have not received my money or any answer regarding this issue.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I tried logging into my bank today, and got a notification my account was locked. I just opened the account, and deposited a fairly large inheritance check I received. I contacted the bank who informed me that they could not provide me with any information over the phone, and I would receive a letter. This happened XX/XX/2023 2023
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Dave Operating, LLC (VA)

My card was charged twice for XXXXXXXX XXXX and {$10.00}. These charges were not me and I have tried contacting them and disputing but its been almost two weeks ... Dave XXXX  has failed to get back in touch with me ... Customer XXXX phone line never works ....
Consumer complaint received 2023-06-10
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. (NE)

I am a victim of identity theft. Someone used my personal information to open accounts, credit cards, and make unauthorized purchases in my name. I discovered this when I received bills and collection notices for accounts that I did not open or authorize. This has caused me a lot of stress and XXXX, and has damaged my credit score. I have reported this to the Federal Trade Commission ( FTC ), and I have requested copies of the fraudulent records from the companies where the fraud occurred. I am working hard to restore my identity and clear my name.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (MO)

Fraud occurred on card on XX/XX/year>. They filed dispute but claimed a XXXX card is reg z. Fraud is reg e. They refused to provide access to funds during investigations
Consumer complaint received 2023-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (OK)

XXXX XXXX a tree crushed our house. My mortgage sold my property loan at the same time. I was informed that my Loan would now be managed by M & T Bank. Long story short we received a large check from the insurance company to start repairs and it had to include the mortgage since there was a loan in play. M & T uses a XXXX party to manage these type of funds. The XXXX XXXX XXXX XXXX is XXXX XXXX XXXX They have a reputation for holding funds online, I called the bank to inform them I was not comfortable with using them and I was told it was not optional. Since that time it has been a nightmare, I could write a book. I have placed XXXX XXXX complaints and nothing has changed. They have to have more documentation every time we call, this has been since XXXX XXXX and repairs are held up as we are out of money and have called multiple times, requested that a supervisor call several times and they continue to need things in order to release funds. 
They are absolutely heartless and just want to hang onto the money while we work normal jobs and then work on the house till its too dark. We are tired and would like to complete our home and not have to be dealing with this company. We need help! Disaster victims should not be treated like this. I am constantly having to upload documents and if you call, just getting to someone is at least XXXX minutes as they try to direct you to the website several times. Supervisors never call back and when they do they do not listen or care they just want something else.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Many years ago, I contacted AT & T by phone, regarding a collection that appeared on my credit report. I asked the company to provide me with the following information below after advising the representative that I received a receipt of my returned equipment and closed account with no balance owed. The Company was asked to provide me with the list of documents below and the company never complied. 
( XXXX ) the name of the original creditor and the last four digits of the original account number ; ( XXXX ) the date of default or charge-off and the amount due at that time; ( XXXX ) the name of the current owner of the debt ; ( XXXX ) the total amount currently due on the debt ; Instead, the false charge in the amount of {$230.00} dollars to a collection company who continues to update a past debt from over several years ago.