davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
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 (TX)

Hello, XXXX XXXX, my PayPal account can not be linked with the bank and withdraw the balance. I have called the PayPal customer service representative several times. After uploading the ID card for verification as required by the customer service representative, the account still can not be linked with the bank and withdraw balance. Please help me
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (VA)

My husband XXXX XXXX XXXX passed away on XX/XX/XXXX, XXXXWe had a high yield savings account with NYCB My Banking Direct which merged with Flagstar. 

In XXXX I called and notified them of his passing and asked to have his name taken off the account and put it in my name. They gave me a phone # and told me to send the death certificate along with a letter of intent to them electronically. I did this and heard nothing from them. 

In XXXX, I sent it in again to the same number. I heard nothing from them. 

In XXXX, I had what they call a secure chat with them by logging on to the account on the computer and was told to mail the letter of intent along with the death certificate to the legal department. I did that and heard nothing, no response from them. 

I gave them time thinking things got slowed down by the holidays and I knew they were in the process of merging with Flagstar. 

In XXXX I went on line to see if they had left any kind of message on the secure site and found out that I had been locked out of the account. I called My banking direct and and was connected to a woman named XXXX who said she worked for Flagstar. 
She was very rude and told me that it was my husband 's account not mine and she couldn't talk to me about it and that was why I couldn't access the account. She told me that I would have to hire a probate attorney to close out the account if I wanted the money. 

I hired a probate attorney. She sent me to the courthouse to get a letter of qualification and she filed the paper work to close the account. Two and half weeks after they received the paper work I still had not heard anything. I called to speak to the lawyer and she called the bank and they told her I had to write a letter to authorize her to close out the account. I did that. Now it is XXXX and I still do not have my money and they keep stalling not just me but the lawyer also. I have been trying to deal with these people since XX/XX/2023. 

I am XXXX XXXX XXXX. I having to deal with the death of my husband and the bank is stalling. My name is on the account, I am the beneficiary of the account and the will leaves me everything. They have over a XXXX XXXX dollars of my money and seem to intend to keep it. I don't understand how this can be legal. This was out life savings and all this aggravation is not doing my health any good. There can be no question that this money belongs to me and I don't know what else to do. I have already spent over XXXX XXXX dollars with a lawyer who hasn't gotten any further than I did. 

Please help me if you can.
Consumer complaint received 2023-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I did not get notified of a investigation status about a fradulent account I have on my personal credit report with Equifax that I requested for it to be disputed because this account does not belong to me. I conquer I didn't receive an email or letter about the status of an investigation since it started. 
Account name : XXXX XXXX XXXX  Account number : XXXX Date assigned : XXXX Date of first delinquency : XX/XX/XXXXXXXX  Amount : {$840.00} According to the FCRA : Failure to correct false information is a violation of the consumer rights.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery assoc iates,  XXXX . Repeating daily calls to collect a debt I do not owe or even previously dealt with company in the past they represent. Demanded there is no on else with my name, and I was trying to avoid taking care of my responsibility. I am not the first I am the third  XXXX  in the family. I have repeatedly asked to have my number removed from their list.
Consumer complaint received 2024-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (TX)

They were not impersonating a government official or lawyer. 
They falsified the full name ( first, full-middle, last ) on the caller ID, showing me the name of a person I know. They were calling from an XXXX number ( XXXX ) that does not match the person I know. 
The call came in around XXXXXXXX XXXX XXXXXXXX, on XX/XX/year>. 
A XXXX search of the phone number says it is Wakefield & Associates They are likely calling about old medical debt. 
They are representing themselves under a false name. I assume I'm more likely to answer a phone call from a friend than from a medical debt collection firm. It's an interesting tactic, but it feels slimy, if not illegal.
Consumer complaint received 2023-03-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    XXXX   XXXX
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : 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 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a Capital One CC by way of Walmart. Walmart transferred all of their CC accounts to Capitol One. I requested a lower interest rate on XX/XX/2021 with their Customer Service Department. I also requested to pay off my Capital One account using a CC that had a lower interest rate.I was trying to transfer my remaining balance to a Iower interest rate card.I was told that I could not get a lower interest rate or pay with a different Credit Card. I asked the representative why she stated " Our System it's set up for that ''. I repeated back to the Representative " you won't lower my interest rate, I can't pay with another card I asked is that what you're saying. The Representative said " yes ''. I'm trying to clear off my balance with Capitol One because I can't keep up with the interest. My credit score is XXXX, I pay my bills. What can I do as a consumer regarding this company 's practice? 

Thank you
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX  participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MO)

I received a pre-legal notification letter from midland credit management on XXXX XXXX, XXXX. I owe a XXXX credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (TX)

In according with the Fair Credit Reporting act XXXX, Account name- XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In according with the Fair Credit Reporting acXXXX XXXX, Account name- XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MA)

Ive been a Chase Freedom Unlimited card holder since XX/XX/2022 with 100 % perfect payment history. Sometimes even making 2 payments per bill. I was approved by Chase for a credit line of {$8100.00} in XX/XX/2022. On XX/XX/XXXX, I was blind sided by a letter from Chase that my credit line was reduced to {$6400.00}. I found it completely insulting that Chase would randomly take away {$1700.00} in credit from me given my payment history and never being late or missing a payment once. 150 % unjustified. Additionally, I have 100 % perfect on time payments with other card accounts and my credit reports show that. Chase has maliciously hurt my credit rating as my usage percentage has now gone up as a result of their reducing my limit. Chase reducing my credit line has put me in a major bind as I planned on using the card for something and now can not. Chase customer service and executive relations staff are rude and not helpful whatsoever. Now im told by Chase that if I want to see about getting the original credit limit CHASE gave back, I will be subjected to an additional hard inquiry on my credit. Chase already did a hard inquiry and approved me in XXXX for the {$8100.00}. A card holder with perfect on time payment history shouldnt have to go through all this and be subjected to further inquiries just to get the original credit limit back. Chase should be going over and above to help me in this matter and does the complete opposite. What if I had been in the middle of a trip and a hotel or car rental tried charging my card and it was declined due to this? I could have been in major trouble if I was unable to pay a bill. Chase never thought about me in all this. What Chase did was insulting and disrespectful to me. Attempts to resolve this matter in getting my original line back have failed.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NJ)

My Name is XXXX XXXX XXXX. 

I got this case information on XX/XX/2019. 
Someone opened checking account with under my S/S/N. 
This is second case with someone opened checking account with my S/S/S. 
I already reports to here first case on XX/XX/2019. ( # XXXX ) I do not understand these situation, how do they, bank, allow to open with different Name. He, who opened checking account, opened checking account with his ID and my S/S/N. The name is similar but same. how come banker who helped to open bank checking account, did not check all information carefully. 

I do not know exact amount and happened because they do not give me whole story. 

He took about {$80000.00} from bank and bounced checks. It happened early of XX/XX/2019. 

M & T Bank, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX I am attaching another case ( # XXXX-XXXX ) with XXXX XXXX case.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent Equifax dispute letter by certified mail. In this dispute I requested for Equifax to remove erroneous inaccurate addresses from my Personal Identification records. As a result Equifax deleted on XX/XX/XXXX The following addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. 

As of XX/XX/XXXX Equifax has placed these inaccurate addresses back onto my credit report.
Consumer complaint received 2020-08-16
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: CORELOGIC INC (NY)

The following shows up on my report, CREDCO, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/XXXX but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.