davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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: CITIBANK, N.A. (MD)

Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me. After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it. To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. Citibank owes me for the interest/finance charges accrued since my account was closed. 

Last week, after subsequent emails and a phone call to a customer service rep who could understand my complaint, paper statements were delivered. After I added up the interest accrued from XXXX through XXXX, I wrote to say I would pay-off the balance by the due date of XX/XX/XXXX, if they would refund the interest they have been collecting since they took away my ability to follow the balance, payments and interest when they closed my online access. They have yet to respond. They do not want the account paid, they want to keep collecting interest.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I had an account with Chase and money in the bank, no problems that I was aware of. In XX/XX/2019 I could not use my card, I called the bank and they said my account was frozen. I made an appointment to go into the branch, where I was treated like a criminal and they would not release my money or give me a reason as to why they froze my account. I had to wait months for my money and they never gave me a reason as to why they closed my account. On top of that, I asked for bank statements and they would not release them, they wouldn't let me have any access to my banking at all.
Consumer complaint received 2022-01-27
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the XXXX. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (OH)

I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Ford Motor Credit This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX  reporting Closed ; XXXX no status ; XXXX closed or paid/zero balance
Consumer complaint received 2022-01-28
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. (CA)

XX/XX/2020- XX/XX/2020. XXXX and XXXX XXXX XXXX XXXX both companies run by XXXX XXXX reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, Experian sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.
Consumer complaint received 2024-01-04
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. (IL)

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX XXXX is current and never paid late and the credit reporting agency is reporting several late payments.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit score is going down because of this person who has their credit card on my credit score. 

I don't know who it is. 

Also, I'd like my credit score back to what it's supposed to be.
Consumer complaint received 2022-09-28
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX  XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Dae of inquiry : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-01-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Date XX/XX/2022 I Received from Wells Fargo Bank stating that owe them XXXX on close account that Wells Fargo chose to close that no longer want to business prior this letter nothing has been sent from this informing what is stated letter sent.
Consumer complaint received 2021-05-18
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. (IL)

Experian has failed to remove unknown inquires on my credit file. I have disputed several times please remove immediately!! I didnt authorize anyone to run my credit XXXX customer service XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX XXXX
Consumer complaint received 2021-05-18
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)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2020 Bank of America, XXXX NC My debit card was stolen and I reported it to Bank of America and had a block put on the card. In the mean time, someone used my card to manipulate my account at the ATM and then purchase a money order from the local XXXX XXXX grocery store. XXXX XXXX pulled the security tape, we filed a police report, and then shared it with Bank of America. 

BOA repeatedly said they were looking into it but has yet to resolve the issue and return my money. My pay check was deposited around that same time and BOA charged me overdraft fees and applied the every XXXX of my check to an account that was closed to satisfy their loss. My loss was over {$2000.00} and they have yet to reimburse me. They continue to stall in hopes that I will give up. 

I know that is not how the process works as both my parents have had a card lost or stolen once before and their bank immediately blocked the card and restored their losses.
Consumer complaint received 2024-03-10
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. (SC)

I just recently looked at my credit report from Equifax XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX  XX/XX/XXXX. 
This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX TX XXXX. My address before that one was XXXX XXXX XXXX XXXX. XXXX GA XXXX. Experian was once reporting this correctly, but now they have removed my current address and replaced it with another address I have not lived at. These two addresses I just listed are the only addresses that should be reporting. Due to Experian doing this it has caused me to not be able to access my credit file in order to monitor my credit report. This is illegal and I have contacted Experian to fix this with no results just none stop phone transfers. I have provided my drivers license and light bill for my current home. 
THIS IS NOT A DUPLICATE DO NOT CLOSE THIS REQUEST. EXPERIAN HAS RECENTLY REMOVED MY PERSONAL ADDRESS AND HAS LOCKED ME OUT OF VIEWING MY REPORT.
Consumer complaint received 2021-05-18
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. (IL)

Equifax has been made aware of several times. I have disputed unknown inquires. Im requesting that Equifax remove this inquiry. I didnt give permission to anyone run My credit.
Consumer complaint received 2024-03-10
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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my XXXX XXXX account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from XXXX XXXX would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

HI TOWN OF XXXX XXXX # XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Consumer complaint received 2021-05-18
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 (NY)

As of XX/XX/2021, PayPal has limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. In fact, I only have two transactions on this new PayPal account so I am honestly astonished that PayPal believes that I am " in violation of PayPal 's Acceptable Use Policy ''. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX. 

In order to ease the process for both parties, I have included screenshots of the two transactions that I have done ( both dealing with 100 % authentic used sneakers sold on Grailed, a selling platform similar to eBay ), the exact message that PayPal has put on my account, and a picture of my ID to confirm that I am the sole owner of this PayPal account.