davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

This company is falsely reporting negatively on my credit reports for a debt that does not belong to me. I have no contract or never heard of this company. Unless this company can show me with ink wet signature proof with my signature that this account belongs to me, it is within my rights cfob enforce the law and mandate this company remove all negative remarks from all reporting agencies today. 

once again unless this company can show 100 & percent accuracy of debt owed and show proof with my signature that I agreed to repay said money owed, this account needs to be closed and removed today and CFPB must enforce the laws protecting me from false claims.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX 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 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

I believe in XXXX I wanted to consolidate and close some of my accounts at Chase. I closed 3-4 accounts and left one open. I spoke with the teller who informed me that no minimum was required to leave the account open and receive no service fees. I left {$500.00} in the account. 
The next month I received a {$12.00} service charge for not maintaining the minimum balance. I spoke with the general customer service at Chase who informed me that they could not help and to call the local branch. I called the local branch manager who explained the {$1500.00} minimum. She also said that if I brought in {$1000.00} that she would waive the fee and ensure that it did not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with a teller. I explained the situation and she waived the fee and assured me that this would not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with the local branch manager and she informed me there is nothing she can do and told me to close the account. She will not waive the fee. 
I understand fee 's and minimums but I was mislead and deceived 3 times about the status of my account and future fees.
Consumer complaint received 2022-03-17
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 (DE)

XX/XX/XXXX of 2021 my account was limited by PayPal. I use my PayPal account to receive payment from good/products I sell online. Since limiting my account the suspended my account for good, which then they send me an email indicating that I will be able to access my remaining fund within XXXX from the time of the suspension of my account. Its been 350 days since the suspension of my account. Ive tried to contact them so I can withdrawal my money, but is getting no where they dont reply to my emails or later and I will like this solve as soon as possible.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!
Consumer complaint received 2022-03-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc (TX)

I had previously filed a complaint with this company after they harassed my HR department and shared my personal information. I had reached out to them several times about a hardship and the harassment continued. Someone named XXXX who claimed he was in charge of the debt had me agree to a payment of {$50.00} bi weekly. He took my card info and a garnishment happened to my XX/XX/22 check in the amount of {$460.00}. He began harassment stating they did not receive it. He also gave me a separate number to reach him directly on which was a XXXX area code. As of today, they closed my account with them as paid off and claimed that only almost {$300.00} was paid. Which is not the truth. I am requesting my return of {$460.00} in check form or direct deposit since they have my checking info. Attached is communication from my HR department and XXXX.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MI)

My wife and I are both Military Veterans and opened a gym membership with XXXX XXXX in XXXX, NC. I believe about 2 or so months after opening the membership, a XXXX XXXX XXXX was declared and a XXXX XXXX was enacted due to Covid 19. The club was shut down for an unknown amount of time and the owner refused to allow us to cancel our gym membership without paying several hundred dollars more to break the contract even though they had been shut down by government mandate. They would only allow a one month pause. The owner then got very ugly when we tried to explain that being new members, we should not be financially penalized for a government shutdown that shut down the gym beyond our control. We were also members at another fitness center at this time who allowed us out of our contract without penalty due to the shutdown hindering our ability to utilize the facilities. We had just paid for the current month of our membership with XXXX XXXX when they were shut down. They told us they were offering online workouts so they would not let us cancel. I then explained that when we signed up for a membership we signed up for use of the gym not online classes that werent apart of the contract to begin with. We were paying a high amount for this membership. Because of the terrible treatment and the way we were spoken too, when the gyms reopened we joined another gym and had no issues. XXXX fitness then followed us on social media and stated that since we decided to join another gym they definitely would not waive the {$500.00} fee to cancel our account due to Covid shutdown. This was completely inappropriate for them to do. We decided not to continue our membership once the shutdown was opened due to poor treatment. That is our prerogative, then to have them basically stalk our social media and try to use that against us to again try and get undue fees out of us is horrible business practice. Come to find out this was a reoccurring issues from many other members of this fitness club who had also decided to switch clubs once they were all reopened by the state. They then sent it to collections and put it against our credit. They would only freeze our account and not cancel it even though we were paying {$120.00} mo. {$60.00} each for myself and my husband. They stated in an email that if you were experiencing financial hardships due to Covid to email member services. We did. We could not afford to keep paying for a costly membership for a gym we could not use. We understand they then offered online workouts but that is not the contract we signed up. 

We feel very taken advantage of and lied too because of being told different information by different staff members and then they tried to cover it up and say we were never told that. Which we were.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (NC)

Someone stole my identity to make purchases using my social security number, credit and debt cards. I contacted the police and report was filed and suspect was charge with Theft. I requested all credit bureaus to file a formal fraud complaint.
Consumer complaint received 2023-09-22
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a credit card that is more than XXXX XXXX XXXX with Capital One. I don't have the card and have made no transactions on it. I thought that it was closed and I'm being reported to the credit agency for late payment of 90 plus days against the card 's annual fee. My credit is now ruined from a card I don't have/have n't used over {$15.00} dollars. I have requested they close my account and they have not done so. I have secured an attorney and filed a claim with the lender which they denied.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have had a problem with capital one credit card since XX/XX/2022. It was frozen due to " suspicious activity ''. However, there was no suspicious activity. They are incompetent. I have followed their procedure to fix this at least 4 times. But they due nothing except lie to me. I want to close this $ @ # % $ $ % ^ & account but they won't communicate with me at all because there is a problem with my card.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

Hi ... 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, 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 an 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 2023-09-22
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: Experian Information Solutions Inc. (CO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-30
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. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because according to the 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX BANK Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Number XXXX XXXX BANK Account Number XXXX Account Name XXXX Account Number XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting 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)

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.

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 inructions 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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Equifax. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-08-08
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. (GA)

This is an attempt to correct my XXXX and TRANSUNION credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.
Consumer complaint received 2022-12-16
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. (OR)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 2022-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC ()

On the XXXX of XXXX, I had deposited XXXX into my XXXX wallet which is in my Gemini account. I then proceeded to purchase the crypto currency XXXX and tried to withdraw the funds to an external wallet. As I try to wirhdraw it an error message comes up saying Withdrawal not available : Temporary security period. I emailed Gemini the same day to sort the issue and received a reply stating I should upload a selfie holding a piece of paper and my ID. This task was very difficult as they was asking to be able to read the information on my ID. After multiple tries, they finally accepted the selfie and told me that this case will be escalated so I can withdraw. However for 2 days I didnt receive any response or update. I had to chase them up on XXXX with no reply. I then went to XXXX where I had to create multiple threads in order to receive a reply. I was then emailed by Gemini again and this time was asked to upload further documentation. I uploaded my bank statement and all till now I have not received a reply nor have had access to my funds. While Gemini has the right to close any account for any reason they do not have the right to freeze and hold your assets without a legal reason. I have not been provided a reason as to why my account is frozen and I have a lot of bills to pay. My money being held is putting me at distress. It has been more than a week.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (VA)

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX XXXX data breach. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Ser XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-17
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability