davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
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)

I open up this PayPal account as a friend who was owning me money ask me to, after he paid me, he them go an report the transaction but the case was role in my favor, so before that, my cousin was to do some paper work for me, as am moving from XXXX to XXXX, so I let him link his bank account to the PayPal account that my friend paid me on, when I tried to transfer the funds, PayPal wont let me, we have been going on and on with this, they ask me for documents and I provided and first the said 48 hours and another 48 hours and now, I receive an email saying my account has been permanently limited. Let them just let me get my money out. That all
Consumer complaint received 2023-05-25
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. (FL)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

first was my account was false about me having late payment history on my secure card with citi, so after citi received my filed claimed, my other card with citi Bank which was a unsecure credit card with an amount of {$3500.00} limit was lowered to {$900.00} for no given reason when i contact Citi card bank they said they can do this if they want at any time so now they have closed my unsecured account for no reason, so now I want to filed a complaint for unjustified and retaliation because of my previous complaint filed with CFBP, PS I have never been late on this account
Consumer complaint received 2023-06-09
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. (GA)

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable account on my report also, they never send proper validation of the account. They told me it was verified but never send me back any form of verification or an original contract bearing my signature. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have one ( 1 ) Bank of America credit card ending in XXXX and one ( 1 ) Bank of America debit card ending in XXXX. 

I do not know when monthly payment is due BECAUSE THE BANK OF AMERICA NO LONGER PROVIDES ME WITH PAPER BILLS! 

I have repeatedly complained to Mr. XXXX of the XXXX, New Jersey branch of the Bank of America. He promised to make sure I have paper bills. That was three ( 3 ) weeks ago. 

I still receive NO paper bills and so am at a loss what I owe on the two said cards! 

I NEVER AGREED TO PAPERLESS BILLING!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2020-03-08
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. (FL)

Equifax, XXXX  and XXXX  is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.
Consumer complaint received 2023-01-18
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. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-08
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. (FL)

XXXX, Transunion and XXXX is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to take advantage of the 5 % back on travel booked through Chase XXXX ultimate rewards with their Chase Freedom credit card. The charge for travel was made by me on XXXX XXXX XXXX  through their Chase XXXX website, and only earned XXXX XXXX points. After calling the appropriate customer service number and speaking to representatives several times over the course of XXXX months, they finally issued me a paper statement that indicated I would be given the missing XXXX XXXX points on either the XXXX or XXXX statement. After checking my account in XXXX, nothing has happened yet, and when I called again the representative told me that nothing indicated that the issues was addressed or resolved.
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On 3 different occasions I sent Portfolio Recovery Associates LLC. located in XXXX VA. at XXXX XXXX XXXX. a request for debt validations. All 3 request have been ignored and I haven't received what I've asked from them at all. The amount of the debt they assume I owe is {$630.00} from an original consumer XXXX XXXX. I have demanded them to send me a copy of the original consumer contract along with the promissory note that has my signature on it and they refused to produce either one. I know there are a lot of people with the same name as mine and I don't want to pay a debt that belongs to someone else. In order for me to pay this debt I would like to see a copy of the original consumer contract and promissory note. Portfolio Recovery Associates LLC, has refused to produce any contract and is now damaging my credit report by posting an inaccurate collection account on my report without verifying proof of a contract. Please help me fix this problem ASAP.
Consumer complaint received 2023-06-09
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. (OH)

I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I kept my account up to date and I have a letter received from capitol one about my account and have over paid the minimum payment that they required and now that its time for capitol one to honor the letter of their agreement they refuse to issue me a new card and lift the restrictions that they offered.
Consumer complaint received 2023-01-18
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

I opened an account with XXXX 7 years ago and was brought by a collection company called LVNV FUNDING LLC Last reported XX/XX/2020 {$600.00} Open balance XXXX XXXX Original creditor This account was over 7 years old and they are reaging this debt which is legal. Because of this account i was not able to buy a home. They told me i had to settle the debt in which they would remove. I settle the debt and they still did not remove this account.
Consumer complaint received 2023-06-09
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. (IN)

I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS
Consumer complaint received 2018-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, Friday, a girl named XXXX XXXX texts me that she has an interest in renting the room in my Appartment. She sees the floor plans online and says she's interested and she asked me to send me money as she needed some assurance for it. She says she sent me {$130.00}. Instead she calls my bank and makes a ATM deposit claim of {$1300.00}. After that, my bank credits me {$1300.00} as a temporary credit. She tells me she sent {$1300.00} instead of {$130.00} and send her {$1100.00} back. I did via XXXX transfer. Again that evening she texts me that it wasn't working and she has reverted money back to me, when again she made a second claim on my behalf calling bank of America. I send her the money again. So I send her the money actually from the claim but not the money I thought as she transferrd. I get two messages on my bank of America about the claim, I didn't understand anything. I'm amazed how anyone can call from phone and make a claim without calling from an authorized number from Bank of America. Since it's a XXXX transfer, bank of America will reach out to her account and investigate, but I highly doubt it will work. I want justice against this XXXX and bank of America transfer system which has no fraud protection.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Dear CFPB I am writing to you with heavy heart that Fifth Third bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my  tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from fifth third saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that Fifth Third is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks  after than conversation i received a letter saying they will not fix it as it was not their error.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (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
Consumer complaint received 2023-01-18
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. (NC)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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 Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated 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 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 seven 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had a credit card with XXXX XXXX that went into collections 6 years ago. They have reported the debt as new multiple times, causing it to be on my credit as a new debt for the third time. Ive disputed with them the dates of my account and was told well we can do what we want. They have called me up to 5 times a day, between humans and robo calls. They also called family members and an ex-husband who I havent had contact with for 4 years and told him I had a personal debt. My debt was reported again XX/XX/2019 as a new collection account after I disputed the dates of the previous account. They continue to robo call me everyday, multiple times a day. Its harassment.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX and I have new and updated information regarding XXXX XXXX failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against XXXX XXXX as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and XXXX XXXX confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received a delinquent notice that XXXX sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when XXXX reported me for being out of school since XX/XX/2019. I spoke with XXXX and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from XXXX  that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from XXXX  shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that XXXX would remove this yet they haven't and now I submitted the paperwork to Experian and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over XXXX  like it was in XXXX/XX/XX/2019. I want this immediately removed from my credit report and XXXX  to be held accountable. I also know that when I looked more into the issue with XXXX   and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.