davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

The person I've had problems with was a short time ; between XX/XX/2019 - XX/XX/2019. He's another person I had deals agreed to and after the services were agreed upon and completed, with payment, my money was taken from me through PayPal 's scammy Chargeback system. 
For this person my transactions were : XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$54.00} ( including country fees ) The main problem I have is with PayPal, this is the 2nd time within a year that I have had problems with them and their inconsistent system. I paid these people for services that were agreed upon before and then months after I'm magically having money taken away from my account. After contacting PayPal for months on end I kept getting the same, " We'll continue to look into your situation with no resolution ''.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seattle Service Bureau, Inc (NY)

Three times I have received phone calls to my cell phone from ostensibly a collection company. They identify themselves as National Service Bureau. They gave me this website for them : www.NSBI.net. 

Each time they call they ask for sensitive information such as my date of birth, verify my mailing address, etc. Each time I tell them I do NOT owe anyone any money and if they have my address and think I do to send a letter. They have refused to send me a letter validating the claim. I suspect, if they were legitimate, then they would already have my address and would send at letter as the very first step anyhow. 

I subsequently called you the CFBP and learned that they have to provide their professional license number. I called them back and they refused. The only thing the guy gave me was ostensibly his name, XXXX XXXX. His phone number is # XXXX. 

I have perfect credit and pay all my bills weekly in full. If there 's anything I missed I 'm glad to pay it, but I do n't want to fall victim to some identity thief. Please investigate this for me. 

At he very least, they have violated the law in not validating the amount owed and whom to. Additionally, they refuse to provide their license number. 

Thank you, XXXX XXXX.
Consumer complaint received 2017-09-09
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. (CO)

My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.
Consumer complaint received 2021-03-26
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 (WI)

I attempted to buy some cryptocurrency using PayPal and received a notification that " there was a problem with my account '' and that I needed to submit verification documentation XXXX bank statement, etc ). I did so immediately and was told three days later that I could no longer use PayPal and that my account was permanently limited due to a " potential risk. '' No explanation of the risk was given and as of this writing I have no idea why the account was limited or suspended even though I have used the service for many years. I currently have an approximately {$3500.00} balance in my crypto accounts and can not access it at all for another 180 days. They are holding my money and are not allowing me access to it for no defined reason.
Consumer complaint received 2019-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XX/XX/XXXX and additional letters on XX/XX/XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

i got call from XXXX dated XX/XX/2019 requesting some information about my account, which i answered all they asked me to visit the branch to submit some documentation which i did on XX/XX/2019 to XXXX XXXX IL US bank branch, where i submit all information needed, yet i got call from same number on XX/XX/2019 for same reason, again i visit the same branch on XX/XX/2019 where they told me there is nothing needed from my end, later i found our that my account was on hard block since XX/XX/2019 for no known reason even for the branch manager, later o call from the same above listed number asking the same question which i gave all the needed answers, and again i visit the same branch on XX/XX/2019, later i got answer from the same bank stating that i did not submit the requested documentation ( see attached file ) which is totally wrong from the above mentioned facts and based on my routinely visits to the branch and my complies to all their requests it shows clearly that this bank is having racist discrimination towered me based on my nationality which clearly visible based on their actions verse my replays
Consumer complaint received 2017-09-08
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. (MA)

Equifax mishandled my information, which puts me and other XXXX XXXX Americans at risk not only financially but also emotionally. It makes me very anxious to have found that I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
As a company that handles sensitive personal information, they did not notify anyone quickly enough and admit that they will not notify everyone, while their top 3 executives XXXX XXXX, XXXX XXXX and XXXX XXXX sold their shares worth 1.8 million dollars 3 months prior to this issue was disclosed to the public  blinded by the quick profit!!!!!!
Consumer complaint received 2017-09-09
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. (VA)

Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.
Consumer complaint received 2017-09-08
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. (NY)

On XXXX XXXX 2017 I learned that my personal information including my SSN may have been compromised by Equifax. This is absolutely ridiculous. They took 2 months to notify the public of this massive breach which affects half of Americans. They needt o be held accountable for their actions and inactions. They hold the most sensitive information for consumers and do not hold it securely or with integrity. They are only offering free credit monitoring for one year ( and only with opting out of a class action lawsuit ). Our SSNs and DOBs stay with us for over a year ... are we expected to continue paying for their mistake for the rest of our lives?
Consumer complaint received 2023-04-06
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
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. (OR)

On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NJ)

Account # XXXX .... 

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. I am a victim of identity theft, and I did not make or authorize this charge An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK DELAWARE mistake. BARCLAYS BANK DELAWARE has resource to enable accurate information about the clients inquiring new services. BARCLAYS BANK DELAWARE allows an account to be placed under my name erroneously. BARCLAYS BANK DELAWARE should verify all information prior to approving any application 's for services. 

FTC Report XXXX : XXXX
Consumer complaint received 2024-01-23
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. (GA)

I provided a police report and ID theft affidavit to all credit reporting bureaus. This agency is the only agency that failed to address the problem My Identity was stolen and the accounts below were open without my authorization and are still reported as accurate on my credit report. I have taken legal action and will seek damages as I have been terminated by my employer as a professionally licensed medical professional for not complying with background clearance. The accounts & inquiries below are not mines nor have I had any access to them. 



XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

Over a year ago Wells Fargo canceled my auto loan. They never came and got the vehicle and now they want to. Problem is now the truck has lost a year in resale value. The truck also from sitting now has mold all on the inside further lessoning the resale value. They refuse to lower the amount owed. So now I'll be holding more payoff debt than what I would have had they come and gotten the vehicle in a timely manner. I was also one of those who were unable to pay a when there computers went down for almost two weeks. They repossessed my truck and sent it off to auction. Luckily I was able to retrieve the vehicle hours before it was going up on the auction block.
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. ()

Dear Sir/Madam, On XX/XX/2021, I sent an amount of {$64.00} to my XXXX child-teacher for his online class. After eight days, the country 's recipient informed me that he has not received his fees and waiting. When I contacted the World Remit customer service line, I was reported that it is under security review, and my money transfer is flagged. When I spoke with the supervisor about my case, he assured me he would release my money in the next 2 hours and follow up with me. ( No call received from supervisor till XXXX ). The next day I called again and spoke with the different supervisor, and she assured me that if I would like to cancel my transaction, give us 24 hours. I called the next day after 24 hours again, and they gladly informed me that my transaction had been cancelled and we will refund your money back. Also, she provided me with a confirmation email and text msg. " Hold Cancel. '' The same day, I chose a different money transfer company, and they process my request in few minutes. After few hours, I received another text from World Remit that my money transfer is completed, and the recipient will get money soon. I called customer service and tried to talk again with the supervisor/duty manager, but they turn me away and said they would contact me at an unknown date and unknown time. I already spent three days in a row with this company and now not going anywhere with my case. As World Remit 's called security check, I felt like they target people based on their religious belief, race, and ethnicity. I felt like being one of the companies targets even I provided them with every information they needed. Now they transferred money when I decided not to use their services and lost {$64.00}.
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with Transunion during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXXXXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, NXXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.
Consumer complaint received 2021-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially XXXX  since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with XXXX  and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously
Consumer complaint received 2017-09-08
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. (VA)

My information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.
Consumer complaint received 2017-09-09
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. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Found out this morning I was on the list of people compromised by Equifax 's major error. They hung up on me when I called customer support. They also tried to charge me {$5.00} for freezing my credit score when they lost it in the first place. They also did not inform me for more than 30 days that my score was compromised.