davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (FL)

Since paypal deals in money, I believe they are also required to follow the US banking regulations. And since they shut my account down because I would not provide my social security number, that's proof right there that they had no right to do so. I even gave them a letter releasing them from liability but they still refused to reopen my account. I KNOW this is illegal for them to do this to me. 

Federal regulations provide me an alternative, 26 CFR 31.6011, 301.6109 and 31 CFR 103.28, 103.34, 103.35, employers, banks and payers are required to ASK for the social security number, but they shall NOT BE in violation of this requirement if they have made a reasonable effort to secure such identification and are unable to secure the information. 

The federal courts have ruled that private sector solicitors may NOT obtain social security numbers until they comport their solicitations to comply with disclosure requirements of the Privacy Act, including informing customers of the voluntary nature of such disclosure, the source of authority for requesting such disclosure, and possible uses to which disclosed numbers might be put. Yeager v. Hackensack Water Co., 615 F.Supp. 1087 ( 1985 ). 

Any person who is found violating the rights of a Citizen may be subject to the damages sustained by the individual and the costs of the action together with attorney fees. See Doyle v. Wilson, 529 F.Supp. 1343 ( 1982 ). Violation of 18 USC 241, 242 ; 42 USC 1983, 1985 1986 shall subject you personally and may also subject you to fines of up to {$10000.00}, and imprisonment for up to ten years, or both.

I WANT PAYPAL TO PAY FOR WHAT THEY DID TO ME.
Consumer complaint received 2024-02-20
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-24
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. (MS)

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-12-26
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. (OH)

Equifax failed to reinvestigate the accounts in question pursuant to consumer protection laws. 

I've sent several notices and an FTC affidavit ID theft regarding the accounts in questions. Those closed account supposed to be removed within 5 business days. That did not happen. 

I did not, and/or do not consent to XXXX procedure and Equifax never did a full reinvestigation.
Consumer complaint received 2024-02-20
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. (NJ)

Company has information on my credit report that is not mine vitamin ID theft in! 998I never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO ME
Consumer complaint received 2021-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit
Consumer complaint received 2021-12-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/2021, I applied for a XXXX credit card through American Express. The application had a marketing pitch where I could receive XXXX miles if I applied through the link and met a spending threshold. I applied through the link and met my threshold. I waited for a time, then finally reached out to American Express to see where my bonus miles were. I received this response through chat : " There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. My apologies. '' American Express never indicated to me that I was not approved the welcome bonus, but they were happy to approve me for the card and charge me an annual fee. If there was an indication that I wasn't eligible for the welcome bonus, it was written in the fine print and not readily disclosed. If I had seen it, I would not have applied for the card.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I recently checked my Credit Report on XXXX XXXX and I found an old debt has been re-inserted as new. I've reached out numerous times via US mail ( in XXXX & XXXX ) and I have sent letters informing them the debt is old and should be re-moved however they keep adding it. If you take a look at the screenshots I took you'll see 3 images. 

In report.jpg you will see it says " XXXX XXXX XXXX {$970.00} Opened XXXX '' If you check the other screenshots XXXX & XXXX you will see this {$970.00} debt was originally assigned XX/XX/XXXX The Arizona Statute of Limitations on Medical debt like this is 6 years. This should be ERASED from my report immediately
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (FL)

THE DEBT THAT THIS COMPANY TRYING TO COLLECT WAS FRAUDULENT OPENED AND NOT AUTHORIZE BY ME I DID NOT PROVIDE ANY ID OR SOCIAL TO THIS COMPANY I DISPUTED THIS INFORMATION BEFORE THE ADDRESS THAT THAT PROVIDED NEVER WAS MY ADDRESS
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2021, I made a purchase of {$74.00} for a gift for a relative of mine and elected to fulfill through PayPal. As thus, I place my relatives name under the shipping information section as he is my intended recipient while placing my own information under the billing details. Shortly after my purchase was placed, PayPal sends me a message stating that my transaction has been placed on hold and they require the date-of-birth of the name listed as my recipient. Upon calling PayPals customer support line, I inquired various questions regarding the nature of this request and what options are available to resolve. On this call, I spoke to a manager, expressing that I would like to decline providing the information and cancel the transaction, as I do not have the consent of the recipient to provide this information to PayPal. I ended the call with the manager agreeing to provide the Compliance Department with my request. Later I receive an email from PayPal which states Thank you for your response and sorry for the inconvenience caused to you. However, as part of our regulatory requirement, we need the date of birth of " RECIPIENT '' so that we can resolve this issue. I have replied to this email to restate that I do not have the partys consent to provide those details and have requested an alternative. I am currently awaiting a response from a PayPal representative regarding my reply. However, if they insist that I need to provide a DOB then I am not sure what action to take as that is personal information that is not my own, and I do not have the individuals consent to provide that.
Consumer complaint received 2021-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/21 and been given the run around since. Please help by reaching out as Im terrified to lose our home.
Consumer complaint received 2022-09-24
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-26
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. (NY)

I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information
Consumer complaint received 2022-09-24
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. (CT)

I have a collection account on my credit report. I have been asking for documentation for over 6 months and the company refuses to provide it. I have also asked XXXX to look into the debt and all they do is tell me that they verified it was owed by me but will provide no documentation.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I had applied for a received a credit card intending to transfer a balance from one card to this new one. I called on XX/XX/2021 and spoke with a XXXX XXXX who told me they could provide an indirect balance transfer as they could not transfer directly ask Citibank owned both cards. I was told to buy something and make a payment. Once the payment cleared, I was to call back to process the indirect balance transfer. I placed a payment on the account for {$50.00}, waited for it to clear and called back. I was told the promotion that they offered me was no longer available and they couldnt go against the system. I was told that I was misinformed regarding how quickly things needed to be done, but I was never given a deadline. So now Im stressed before starting the new year and figuring that I need to sell the XXXX presents we have to provide.
Consumer complaint received 2021-12-26
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: CITIZENS FINANCIAL GROUP, INC. (NC)

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in Citizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.
Consumer complaint received 2022-11-10
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2021-12-26
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. (TN)

On XX/XX/2021 I mailed in a dispute certified mail to Equifax that was received on XX/XX/2021 at XXXXXXXX XXXX confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 
In this dispute Equifax was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX As of XX/XX/2021 Equifax has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is a predatory institution that lies, frauds, and deceives consumers. I have been trying to resolve this with the bank for over a year ( including in a phone call today ), but the bank is adept at wasting time, giving false information, and charging exorbitant fees from consumers. 

They said they reviewed my complaint, but have not provided the phone call records. Obtaining the phone records is essential in this case. 

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department XXXX I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.