davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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 (FL)

PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I am no longer able to get help from them but I remember I could file a report here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX.
Consumer complaint received 2023-02-07
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. (NJ)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, XXXX credit account XXXX with XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern, You already have copies of my statements from a prior report, copies from the past year that I just recently demanded and received from American Express Blue. Let it be known that I was communicating with a XXXX, recorded on their end, who submitted a stack of statements from the past year because I wasn't receiving them. These statements were requested several times to no avail. Upon our discussion, I asked what my interest rate was and he said it was XXXX percent. I asked why when I was at XXXX percent nor did I receive any notification of such interest increase because I did not have my past statements. He said, the promotional rate has expired and based on the economy, they are required to raise the interest. I understood to a certain extent based on the economy. However, I filed a complaint thereafter based on this and now in my XXXX, XXXX ( finally received ), my interest rate jumped from XXXX to XXXX percent, On the XXXX, XXXX statement the interest jumped again from XXXX to XXXX percent. If this isn't retaliation than I don't know what is. This does not happen! A full investigation is necessary and I would appreciate it if you would ask them for the telephone recording as well as the XXXX, XXXX, XXXX, XXXX and XXXX, XXXX statements. Those letters received from my past complaint were never sent to me! Ironically, you were sent copies of letters and statements that I have been requesting and only to be told, the post office may have lost it. Surely, the postman isn't perfect, but to tell me that in entire year the postman lost an entire year 's worth of statements is unconscionable!
Consumer complaint received 2023-03-03
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX WAY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$52.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I received a letter from Citi, dated XX/XX/23, with regard to my account ending xxxx [ redacted ]. The letter states that " the balance of your closed EXXON/MOBIL CLASSIC account, will be cancelled by Citi. The balance on this account is {$520.00} as of XX/XX/23 ... .Citi will report this debt collection on Form XXXX, as required by US law. You are responsible to any applicable taxes and consulting a tax advisor related to this debt collection. If you wish to continue paying down your balance, you have 60 days from the date of this letter before debt cancellation occurs. '' A payment of {$2000.00} however was already mailed, thereby bringing the balance due on the XXXX Statement to {$500.00}. 
Nevertheless, a month later, on XX/XX/23, Exxon/Mobil Citi sent me a bill entitled XXXX XXXX with a total balance due of {$530.00}. The statement says " Your account is past due {$20.00}. '' This means that subsequent to the XX/XX/23 notice of debt cancellation, the account was kept open and interest and fees were accrued. 
The XX/XX/23 notice did NOT state that interest, fees and penalties would continue to accrue until the cancellation - rather it said " you may wish to continue paying ... '' This sentence indicated that continued payments would be optional without any accrual, and implied that the sole reason to make any payments would be to lower the amount of debt reported on the XXXX. 
Numerous calls were made to the 800 number on the XX/XX/23 - XXXX - but all representatives give the same refrain- they can not help due to the account being closed, with multiple representatives passing the calls to other departments and then being hung up upon.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Credit reporting agencies provided my information without my consent. 
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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2023-08-01
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. (NV)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX
Consumer complaint received 2017-08-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification. 
I have NEVER had a student loan for ANY School. I have Repeatedly Contacted Department of EDU. And NAVIENT concerning these accounts THEY ARE NOT MINE. 
My wife Does have student loans I DO NOT.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial acct # XXXX, XXXX XXXX XXXX partial acct # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (MI)

I have 3 lines of credit with Upgrade only way to complete application was to provide access to my checking account. I have since learned Upgrade steals all the information from my checking account and sales the data without my permission, Moreover, all my medial bills are paid through this checking account including XXXX XXXX XXXX XXXX treatments. Upgrade steals that information which is a serious violation with HIPPA again without permission. As a result I stopped paying and using all these accounts. I have and are again requesting all my accounts closed and for Upgrade to CEASE and DESIST contacting me in any way unless its due to civil action.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My existing home loan was sold to XXXX XXXX XXXX XXXX, serviced by Select Portfolio Servicing Company in XX/XX/2023. They are not reporting loan payments to the credit reporting agencies. When asked why they stated that they needed a " reaffirmation statement '' from a prior bankruptcy. I forwarded this to them however they state that it is insufficient.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

CREDIT COLL has been reporting a collection on my account in the amount of {$190.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (FL)

I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now
Consumer complaint received 2023-02-04
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

on XX/XX/XXXX I was contacted by Bank of America asking if I was at XXXX XXXX trying to charge > $ XXXX on my account and I responded NO and to please close the card and send me a new one. I never received a new card and later found that someone had stolen my phone number from XXXX. This enabled them to access my phone and get into my bank accounts. Working with XXXX, my bank, the thief attempted to process a {$9000.00} online payment to Bank of America. Later I got a letter from BofA and said they had detected suspicious activity on this card and the account was locked. I told him that I did not intend to do future business with BofA and the card was supposed to be closed/cancelled XX/XX/XXXX. My bank was able to cancel the online payment for $ XXXX. Yesterday, XX/XX/XXXX, I recd a letter from BofA instructing me to go online and pay my bill for $ XXXX. I am not responsible for any charges after XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXX and so on
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 have 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 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.
Consumer complaint received 2024-03-18
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. (CA)

" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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