davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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. (TX)

All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.
Consumer complaint received 2022-10-15
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. (AL)

in 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 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX NAVIENT PMT {$0.00}???? 
XX/XX/XXXX NAVIENT PMT {$500.00} XX/XX/XXXX NAVIENT PMT {$1500.00} XX/XX/XXXX NAVIENT EBILL FOR {$1500.00} XX/XX/XXXX PURCHASE ON XXXX NAVIENT COMMERCIAL CARD XXXX FOR {$300.00} XX/XX/XXXX NAVIENT PMT SPE {$100.00} XX/XX/XXXX NAVIENT PMT XXXX XX/XX/XXXX NAVIENT PMT {$640.00} a total of {$4800.00} was taken out of my account without my concent i never authorized this charges or transactions whats really interesting is that these began a month after i thought i had settled the accounts but apperantly i now know that i only settled an already charged off account that loan was already sold and charge off on my credit report and they didnt tell me that instead they send me a letter from some lawyers saying they were going to sued me if i didnt sign that stipulation afraid of having a lien put on my house i panic and call them to make it go away and they told me it would clear all accounts i confirm after when i check my navient account and all XXXX loans had a XXXX balance well sure they had a XXXX balance but behind close doors they were taking money and not reporting it I NEVER RECEIVED A RECEIPT OR STATEMENT STATING HOW MUCH I PAID OR HOW MUCH WAS LEFT.. when i called to talk to someone about this i was welcome with a bad attitude and they even laugh at me when i told them i thought those loans were settled they laugh saying " please we are govenrment loans we never settle for less than the actual amount ''. ok i said then can you tell me how this payments were authorized cause i sure didnt do it. SHE STATED THAT I DID that i log in and i made those payments from the navient website really? i sent out a payment of XXXX cent? that to me looks like they were checking the account see if it worked and if i did made that payment where is my receipt? and why is there 3 different modes of payment notice there is a PMT AN EBILL an A PURCHASE under the description of the charges charges that i did not make nor did i authorize or anyone i know i think something else happend and they wont tell me anything they even ask me where i find this stuff that they could not see it ITS ON THE NAVIENT ACCOUNT MY ACCOUNT ALL DETILS ARE THERE even numbers that dont make sense like XXXX of my loan jumping from XXXX to XXXX after receiving a refund from the school how in the XXXX does that happen it was a refund not a charge me whatever you feel like it when you feel like it charge so frustrating
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

on XXXX i paid XXXX to XXXX for an item that isn't even sent... it's been 15 days and nothing yet this company when I called and when trying to dispute it on the website says wait, no I won't. I bought from XXXX AFTER that date and got things so they messed up. I want the credit. The tracking number I provided shows that it never was delivered ie, Tracking Number XXXX XXXX is what they claim the carrier is XXXX, XXXX. 

Account ... XXXX {$5.00} ON STATEMENT AS XXXX, XXXX. 
MERCHANT LOCATION XXXX CA XXXX TRANSACTION DATE Tuesday, XX/XX/2021 POST DATE XXXX  XX/XX/2021 PURCHASED BY XXXX XXXX MERCHANT CATEGORY PHOTOGRAPHIC STUDIOS
Consumer complaint received 2022-11-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I believe Wellsfargo is in collusion with other major banking companies to not provide any interest on savings or checking. I have been contacting them since XX/XX/2021 when the XXXX started raising rates. The only response is commiserating were sorry responses. I am currently receiving only XXXX percent, XXXX basis point. They have raised the interest rate on credit card and loans all along this year. Thanks
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

I opened a shell fuel rewards card by Citibank in XXXX of XXXX. Since my first statement I have contacted the credit card company at least once a month to get a statement that reflects the discounts and rebates. It has been promised to me by XXXX to have this issue resolved in XX/XX/2021 to date nothing has been resolved. I continually have to call and follow up with different people that do nothing but promise they will fix the issue. It is now 6 months later and I can not get them to provide me with any accurate statement. What I am told is it is showing on their end - that does nothing for me I really do not care about what they can see I need an accurate bill. They were supposed to send me copies of all my statements with the details I have never received any statements except for the monthly statement that is not accurate displaying the discounts and rebates. I asked for them to call me back and was told they do not do outbound calls. To make this even more frustrating I have paid every bill on time with auto pay in full- they can take my money but will not provide appropriate back up for the bills. I have every bill and can provide all information if necessary plus the messages I have sent in their mobile app- where they basically blow me off once again. To me this is clearly switch and bait. I simply want an accurate statement displaying my discounts and rewards from every transaction from inception of this credit card. In my opinion they clearly have no intention of providing it. I need help in getting this information ASAP.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I received a message on XXXX dating app on XXXX & they introduced me to an investment " expert '' for crypto shortly thereafter by texting on XXXX. I transferred my own money to Crypto.com & additionally borrowed {$10000.00} from the dating app scammer on XX/XX/2021. Between XXXX they said I had earned more than {>= $1,000,000} on crypto trading on the site tgc-axwci.com. On XX/XX/2021 I was told I needed to add another {$11000.00} to the account to access my profits. The investor says I owe him {$60000.00} in commission. I am not able to access any of my money & I am being told I owe {$70000.00} to other people. 
$ was sent to Crypto.com on these dates in these amounts and then transferred to tgc-axwci.com from Crypto.com : {$100.00} on XX/XX/2021 {$1000.00} on XX/XX/2021 {$130000.00} on XX/XX/2021 {$16000.00} on XX/XX/2021 Here are the Tx Hash of all the withdrawals from crypto.com to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-12
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. (CA)

Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.
Consumer complaint received 2022-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I started a treatment with XXXX XXXX XXXX. I only did three hours due to my XXXX. I wasnt able to finish the treatment but they still want me to pay {$6000.00} I already paid {$1200.00} I cant afford giving them more specially cause I didnt finish the treatmeant. I also read so many bad reviews about this company they tell all the clients that they need their experimental treatment and they do t take no for answer they force you to get the treatment.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

XXXX XXXX did not resole the dispute in 120 days, XXXX XXXX XXXX did not contact my XXXX XXXX XXXX XXXX and XXXX to get that debt paid
Consumer complaint received 2022-11-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (FL)

I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to XXXX XXXX XXXX on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. XXXX usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, XXXX has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, Equifax etc. viz. consumer reporting agencies. XXXX has disregarded my revocation of right to report and continues to violate my right of privacy. XXXX has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (MN)

On XX/XX/XXXX I was in car accident and was admitted to hospital. I had XXXX on my XXXX and had XXXX XXXX I was also put in XXXX XXXX XXXX I was in the hospital until XX/XX/2021. During this time my ex boyfriend stole my idenity. My phone my credit cards, bank accounts, if, social security card, birth certificate, he took out loans in my name, he spent all my money, I filed a dispute on XX/XX/2021 as soon as I found out about this. On XX/XX/XXXX moneylion emailed me saying they found no error. On XX/XX/XXXX I emailed them back and asked for a appeal and sent them copy of police report, note from XXXX And affidavit from my ex boyfriend admitting to doing this and asking for a lesser sentenceXXXX XXXX  On XX/XX/XXXX they closed my account. I was in XXXX how could I have don't any charges. They will not return my emails. They emailed me saying they were closing my account and I would receive the remaining funds via check and to call and Verify my address I did that immediately and waited for check XX/XX/XXXX I called because I still have not received my check and they said it was mailed out to wrong address. I would like my money back that was stolen from me and the money that was in my bank account
Consumer complaint received 2021-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

PAYPAL READ THE DOCUMENT ATTACHED AND PLEASE DONT MAKE A LETTER COPY PASTE LIKE A BOT OR ROBOT. 

I MADE XXXX COMPLAINT BEFORE AND YOU TOLD ME THAT I WILL GET ACCESS TO MY MONEY XX/XX/XXXX WHY YOU MAKE ALL DIFICULT. 

I M REALLY TIRED ABOUT ALL SITUATION MY ACCOUNT WAS LIMITED, WHY YOUR SYSTEM STILL ADDING MORE LIMITATION AND ASKING FOR DOCUMENT. 
I CALLED MANY TIMES AND TEXT MANY TIME I DINT GET HELP. 

i sent many email explain my situation and nobody help or do somenthint for help ME XXXX I JUST WANT YOU DO THE SAME YOU SAID YOU WILL DO NOW
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: USCB, Inc. (CA)

USCB IS AGRESSIVELY ATTEMPING TO COLLECT ON THE DEBT THEY POTENTIALLY OWN. THEY STATED THIS DEBTS ARE FROM XXXX BUT WHEN I REQUESTED XXXX TO VALIDATE THESE ACCOUNTS THEY WERE NOT ABLE TO FINE ANYTHING CLOSE TO THESE NUMBERS AND/OR UNDER MY NAME. I HAVE SERVED USCB WITH THE RESULTS OF MY FINDINGS BUT THEY FAILED TO RESPOND AND THEY ARE STILL ILLEGALLY ATTEMPTING TO COLLECT ON THE DEBT THEY COULD NOT VALIDATE OR VERIFY TO ME. THIS IS HURTING MY CREDIT AND FINANCIAL BEING
Consumer complaint received 2021-11-17
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 (CA)

paypal has permanently restricted my account from being used. I received an email stating i can no longer do business with them on XX/XX/2021. I called paypal to, once again, take my account restriction off. Paypal had just placed it on restriction and then removed the restriction as everything was satisfactory. When i called paypal, they wouldn't even confirm that my account was restricted or say anything but in 6 months that I would receive an email with instructions on how to get my money back. After several calls, I gave up. I already couldn't withdraw rent and was told I had to move. I also ended up losing the job due to having to move and now I couldn't even get paid for work through paypal, which is why I opened my account in the first place. So six months later, i try to transfer out of Paypal and didn't have any luck. I called Paypal and asked what was the hofd-up. once again they said that they would want me to wait longer. And i have waited long enough finally. My whole life ( lately ) has failed from Paypal since. I need some serious counseling from the damages paypal caused my family and me. We lost out on opportunities from having that money. we are still recovering. It's still affecting my situation. Im not sure what to do, nor how to do ANYTHING anymore. i know i can't trust banks. i dont know how to act with any businesses because i now know they can do this to a person, and will do it and not have to tell you a thing and there's nothing you can do about it, because there is no paypal bank. I have lost almost everything and am most likely to get a divorce before this is over.
Consumer complaint received 2016-03-25
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NJ)

I bought a prepaid card with a balance of {$500.00} back in XX/XX/2022. Since then I have been having trouble using this card. I called customer service on and around the third week of XXXX, XXXX  and I was told a replacement will be sent. Finally, I got a replacement card on XXXX XXXX. When I am trying to activate the newly replaced card, It is telling me the card information is incorrect. I trying calling the customer service number which is going nowhere after almost two separate 45 minutes hold.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

i have multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.