davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (AZ)

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.

1. I did not authorize these inquiries XXXXIR Date of inquiry : XX/XX/2020 Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 18. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I never gave Equifax Permission to furnish this information on my consumer report on my behalf. I am demanding Equifax remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

I ordered a dinning table from XXXX. It got delivered to the incorrect address. When I called affirm so that they can help me I was directed to XXXX. When I spoke to XXXX the told me to file a dispute with my bank and reorder. I followed the instructions. The second time I ordered the same Item it never arrived. When I called affirm again, they told me to call XXXX. When I called XXXX they told me to speak to affirm. When I called them again a nice lady was able to take her time and dig deep. She saw where I was instructed to file a dispute with my bank and she " updated '' my account and informed me there would be an investigation. I waited a couple of weeks before I called again and when I did the rep I spoke to has no idea what was going on. It wasn't until a couple of weeks after when I called and threaten to involve attorneys that they closed the case and and confirm I never received any items. about a month after that I received a notification from expiring stating that my score was deducted XXXX points because affirm shows my account as 60 days late. I called and asked them to fix it they said they couldn't. This is inaccurate my payments weren't late because I was going to pay for duplicate items I didn't received. I kept an open line of communicate. I'm asking for them to remove this from my credit.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2022-12-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (TN)

Paypal did not pay me correct as they only refunded me {$7.00} USD and they were suppossed to refund me {$140.00} USD. They owe me the rest {$130.00} USD. See next {$2600.00} XXXX  equals {$140.00} USD. PayPal ruled in my favor and closed the case in my favor but when they went to credit me back they only credited me back {$7.00}. Someone at PayPal entered my credit as {$140.00} XXXX when it should have been {$140.00} USD. Transaction ID is XXXX. All I am asking for is to have the {$130.00} credited back to me that they stated they owed me but just refunded me wrong amount and now its a theft problem as somehow they cant seem to pay me the money back that they owe me and stated they owe me when they ruled the case in my favor. Please help me get my {$130.00} they owe me
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.
Consumer complaint received 2022-09-07
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. (AZ)

In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : XXXX
Consumer complaint received 2022-09-07
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)

I am a natural person. I am a living human being that have rights under 15 US 1681. Equifax is governed by the laws set therein 15 USC section 1681 by which Equifax violated. My rights of protection set forth by this code in accordance to the FCRA, has been violated numerous times. I demand the accounts listed below be removed in order to show my true credit history. I make this request pursuant to 15 USC SECTION 1681 as I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT . OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I need verification of all accounts disputed. I have sent letters from original creditors to remove such information but you continued to verify this information that is inconsistent and inaccurate compare to other reporting agencies.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Consumer complaint received 2019-12-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MA)

I am currently a pro se defendant in a lawsuit filed by an attorney claiming to represent PNC Bank, NA, as the Plaintiff in XXXX, 2019. This lawsuit filed against me is for the purpose of evicting me from my home of almost 15 years. I am a XXXX year old female, twice widowed with XXXX  adult children. 

I am a XXXX individual suffering from XXXX, XXXX XXXX   XXXX and an XXXX XXXX. I had been making progress with my medical team. 

I have spoken directly with PNC Bank on numerous occasions since the onset of this complaint filed against me. PNC Bank has repeatedly confirmed they have no records or information of ever having any mortgage with me for my homestead property. They have repeatedly confirmed ( after a thorough search of my name, social security number, and/or property address ) they have no knowledge of me or any purported mortgage with me. 

I have records and witnesses to these conversations with PNC Bank. I was informed by PNC during a phone call ( approximately one month ago ) that they would send me verification of this by mail or email but have not received anything. 

The XXXX XXXX of this situation has caused extreme worsening   of my XXXX. 

Obviously, this matter needs immediate attention.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : JPMCB CARD XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Consumer complaint received 2022-09-07
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Capital One credit card in the last 6 months. So Capital One Inquiry on XX/XX/2022 is not resulting from my personal action.
Consumer complaint received 2017-01-27
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.
Consumer complaint received 2022-09-07
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. (GA)

I recently submitted a complaint on XXXX in regards to Equifax reporting inaccurate information. The complaint was closed stating the account was verified. Equifax stated my account was properly investigated, however the following are still reporting inaccurately : Date Opened, Last Reported and Two Year Payment History just to name a few ( please see yellow highlight for each account attached ). Also 2 accounts were added in XXXX to my credit report and they are not my accounts ( also attached ). This has been an ongoing issue for over 6 months now and my rights have been violated according to the Fair Credit Reporting Act : 15 USC 1681 section 602a states I have the write to privacy.

15 USC 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I had been getting fradulant charges from " XXXX XXXX '' for small amounts. {$4.00} here, {$9.00} there, {$0.00} here, for months and months. These charges were not actually from XXXX ( which is why I let them slide for so long ). I do actually have several recurring charges so that's why they went unoticed. It wasn't until I got like XXXX charges from XXXX XXXX  XXXX each charge that i began questisoning and called the number on my statement. I even got texts from wells fargo stating, is this a verified charge? several times and i said it was not. so wells fargo knew and never blocked these charges. anyway over time i have gotten charged over {$500.00} and they have the nerve to mail me saying they completed an investigation, and that these were fradulant charges, but they can only reimburse within 60 days of when the fradualant activity began. which is only {$53.00} out of over {$500.00}. they are saying i notified them on XXXX but i had notified them when i noticed the charges. also, i called and asked if i had to cancel and get a new card. the lady told me no, all i have to do is have her block " XXXX '' and they wont be able to charge my card. the NEXT day, i had over {$200.00} worth of charges. Wells Fargo is already in trouble for scamming people and being fraduaulant and as soon as this complaint goes through I'm moving to a new bank. They said there is nothing they can do and to consider my case closed. Please help me get my money back. 

Thank you
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I received a text asking me if I had charged {$1000.00} on my credit Chase Visa. I was called regarding this. I was asked numerous questions to check my identity. I was kept on the phone for an hour. I told the person I was talking to that this was not my purchase. The next day when I checked my accounts, my savings account was {$0.00}. I had {$51000.00} in my account. I notified the bank immediately. I told them what happened. They asked for a police report. I got that for them. They denied my claim to get back my money. They said I okayed the transfer of funds. I did not okay the transfer of the funds. These fraudsters used my voice in some way ( recording it,? ) I dont know what they did. But the voice the bank heard was NOT MY VOICE! On the basis of what they heard they are not giving me my back. I am a XXXX XXXX XXXX I am XXXX XXXX old. That money was all the money I had in the world. Please try to help me. I did not ok the transfer of the entire sum of my savings! 

.