davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-15
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I opened a Paypal account to receive some money for marketing services I do. It was in XXXX, I ony got XXXX dollars payment, but the platfrom puts minimun withdraw of XXXX dollars, so I was blocked by them.Moreover, this year I received a Payment of XXXX dollars and I used the PAYPAL SERVICE, trusting in their good will, but what has been happening is the worst nightmare ever.It happened on the first week of XX/XX/XXXX Once I tried to transfer the money to my bank account, they starting asking me so many documents to, confirm my address and identity, and refusing to do transactions because and slash or dot on the document or any single issue, even a comma,, every single issue that is useful for them to avoid the transfer, they have been using that against me.THey are acting like enemies, trying to keep the money from people from XXXX, avoiding and putting odds, to transfer money to banks accounts.I wonder whats the purpose of such these financial platfroms, to make the proccesses difficult and tough for international customers and provide a lousy service?
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

After reviewing my credit report, I quickly realized that I have become a victim of identity thief! Many accounts were established in my name without my permission or consent! I sent the all the supporting document needed to the credit Bureaus and I didn't get a response!
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, Summary, please refer to attachment for complete information. 

On XXXX XXXX, XXXX, we received a final settlement check from XXXX XXXX XXXX, the fifth and final check received in the course of our claim resulting from damage to our property from XXXX XXXX, XXXX XXXX. The XXXX previous checks, with identical payee and endorsements were deposited with no issues. 

On XXXX XXXX, XXXX, the teller at the window ( female, name unknown ) at Branch No. XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, refused to accept the check for deposit into our savings account. The branch manager was not available to talk to. 

A phone call on the same date to the customer service line at the national number also yielded no precise clarification and that there was no known policy for why Chase would not accept the check. 

On XXXX XXXX, XXXX, we were finally able to reach the manager by phone at Branch No. XXXX. He told us we could not deposit the check because there was a remote chance the public adjuster we had contracted with would attempt to get more money from our account, despite our proof of complete payments. Then he tried to convince us to open a business account to deposit the check instead. Finally, he rudely rebuffed us when we stated we would have to close our accounts. 

As a result of Chase 's actions, our accounts were closed on XXXX. XXXX, XXXX.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WV)

I file this complaint to respectfully request that JP Morgan/Chase inform XXXX that I do not dispute the account information for my JP Morgan/Chase accounts shown of my XXXX credit reports. I have attached my XXXX credit report. Please see pages XXXX, XXXX, XXXX, and XXXX of the PDF. The comment section on these respective accounts state that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why these accounts are being investigated or disputed. I do not dispute the account information listed on my accounts. Please instruct XXXX to remove these comments on my accounts. My ID is attached.
Consumer complaint received 2024-03-07
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 (AL)

On XX/XX/2024 I received an email from PayPal stating that my account features had been deactivated and that they were unable to offer PayPal services for my account anymore.The abrupt suspension of my account features has left me unable to access my funds, including upcoming direct deposits that are critical for my financial obligations. 
The lack of access to my PayPal debit card, checking account, and other services has put me in a difficult situation where I am unable to receive essential payments. This sudden action has not only caused inconvenience but also financial distress. I reached out to PayPal customer service via phone regarding my deactivated account features, which I've had for 5 years, and was left in the dark without any explanation. This sudden restriction on my account has caused me significant inconvenience and frustration. I don't understand why this has happened & would like for all of my account features to be reactivated.
Consumer complaint received 2024-04-15
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. (SC)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

I adamantly disputed the ProCollect collection entry with all three credit bureaus, as the debt was settled with the original creditor before my knowledge of its collection status. Despite ProCollect updating the account as paid, they havent removed it from my credit report. Its noteworthy that ProCollect never received the payment, yet my credit report shows a payment date of XX/XX/2024, which is inaccurate. 

I learned of the collection from a mortgage lender, not ProCollect. The payment, made via money order to XXXX XXXX XXXX  ( original creditor ) on XX/XX/XXXX, has been substantiated with proof. Despite this, my credit report still marks the account as late as of XX/XX/2024. 

This erroneous reporting adversely affects my creditworthiness. Ive lodged another dispute with the collection agency and the credit bureaus, seeking the immediate removal of the collection entry from my credit profile due to the payment made to the original creditor. The persistence of this inaccuracy is unacceptable and requires prompt correction. 

Due to their inaccurate reporting, I am requesting it needs to be removed from my credit reports with all three credit bureaus.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

I have a Wellsfargo bank account which I was using while I was living in the United States.

I had been using this account the entire time while I was living there and I did not close the bank account while I was leaving United States thinking it would be useful when I return. 
Then, I happened to come living in XXXX and it has been a year living in XXXX. 
And here comes the conflict with me and Wellsfargo.

I wanted to have access to my bank account to take off my money using online banking, but they did not let me do the action of transfer.

In addition, they also blocked access for me to enter my bank account.

I have been trying to resolve this situation and tried every way possible so far and they have been denying it every time. 
I used Wellsfargo Online help service, called branch bankers for a solution, filed complaints to review the denial they gave me, filed a Power of Attorney to have someone I know to represent me, and did verification with notaries while in the presence of witnesses which was apostiled. For the process of notarization, I contracted a local notary, and at the U.S. embassy.

This process has started at the end of last year and it is already at the beginning of XXXX. 
So far, they have been denying my access until now.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (KS)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-15
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX  XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I applied for XXXX XXXX  but Nelnet keeps applying deferment and forbearance to my account in attempt to collect more interest and they avoid all communication and puts their phone on 24 hour hold. They been emailing that save plan is in process. Many people reported Nelnet as well because Nelnet generates wrong bills and avoids communicating. My account should have been ob XXXX XXXX  but they choose to ignore.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2024-04-15
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. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McNeil & Meyers Asset Management Group, LLC (CA)

On XXXX XXXX this collection account was added to my XXXX  credit report and I have no idea who this company is I have never done business with them and do not owe them any money. The amount is XXXX
Consumer complaint received 2024-04-15
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
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. (CO)

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc (TN)

This complaint is being filed against AFFIRM in regard to a " Notice of Dispute '' letter that was delivered to them on XX/XX/2024. I requested an investigation concerning an inaccurate account that I wanted either corrected or removed. It has now been 33 days and I have not been acknowledged or notified by the company regarding the investigation. The notice of dispute letter was mailed to them on XX/XX/2024. Their Furnisher Rule per 660.4 ( e ) and the Fair Credit Reporting Act only allows 30 days for creditors to investigate per FCRA 15 USC 1681s-2 ( E ) ( iii ). It has passed the 30 days permitted by law, and nothing has been corrected. This may also constitute a violation per FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ). I, XXXX XXXX, am rightfully demanding the deletion of this account based on these behaviors and failure to rectify the inaccurate account reported on my consumer report. The inaccurate account is damaging my reputation and character. As the Fair Credit Reporting Act permits, I want this account removed for violations of the FCRA. It is my federally protected right for remedy regarding this matter ( 15 USC 1681n ).
Consumer complaint received 2024-04-14
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. (TN)

When attempting to get a personal loan, I was told my credit was froze, then I proceeded to get a credit report and Equifax show my credit as XXXX, although XXXX and XXXX have my entire credit history, I then called equifax to try to solve the problem, they told me to send in some information, which I did to the address they provided me. I called a week later for an update and was told to wait a few days because they were working on getting my information into their system. A few days pass and I call back, Im told they havent received anything from me and still have no information, I have been going in circles with Equifax for a month now and I have spoke to no one who has helped.
Consumer complaint received 2024-04-14
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. (CO)

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.