davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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 (MO)

A friend asked me if he could send me {$3800.00} on PayPal and I give him cash so I agreed and we completed the transaction on XX/XX/XXXX. We initially tried this on XX/XX/XXXX but we ran into a hiccup and agreed to pick it up the following Monday. After the transaction was complete, I attempted to transfer my PayPal balance to my bank and the transfer was flagged and placed on a XXXX hour hold for investigation. After the investigation was complete I received a notice and email from PayPal saying I was no longer allowed to do business with them and that my funds would be placed on hold for 180 days. Ive tried to resolve the issue with them and apparently theres nothing that can be done to overturn the decision. Im fine with not being able to do business with them because I no longer have the desire to, but I demand my money be returned to me immediately. PayPal is stealing from me during my time of need. If my money isnt returned to me in 30 days, I will be seeking legal action.
Consumer complaint received 2022-07-01
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: Social Finance, Inc. (WA)

Im writing this complaint since I have no other way to solve problem with SOFI. The problem is following:

OnXX/XX/XXXX, I made a transaction with XXXX XXXX XXXX for $XXXX (Transaction ID: XXXX). However, I never received the order. I tried to contact XXXX XXXX XXXX but can not solve the problem. I made a dispute with SOFI. Since its a credit card, I should not be liable for this type of charge. However, SOFI never get back to me. The dispute claim number is XXXX. The representative who handle it is XXXX  ext XXXX. 2 weeks after initiate the dispute and dont see any confirmation from SOFI, I called back in to customer service and they advised that the dispute is closed because they need more information from me. To be specific, they want to know how much for each pallet of flooring that I ordered. But in reality, I never receive a call, email or mail. They denied, and closed my claim without my acknowledgement and proper reason. I told the customer service agent that I can give them that info so they can keep disputing it for me. The agent gave me XXXX  contact and also ask XXXX  to get back to me. When I call XXXX, even during business hour, it always goes to voicemail. I left her 2 voicemails (10 days apart). She never answered to those voicemails. I tried to call back in and tried to leave more voicemails but the voicemails box of SOFI Dispute department is full so I cant do anything. I tried to call back to customer service and have been talking to many different operators. They all gave me the same information that they will contact the Dispute team and escalate it on my behalf and I should hear back with in 48 hours. It has been months and I dont hear anything back. The operators ID are: XXXX, XXXX, and XXXX. In the meanwhile, Im charged for interest on the purchase, and my credit score is going down because of the higher credit utilization. 

On XX/XX/XXXX, I filed a complaint with the XXXX (XXXX XXXX XXXX), and quickly after that, SOFI responded to me. They promised to work on the claim. 

On XX/XX/XXXX, they sent me a letter in the mail saying that the dispute is resolved in my favor and the credit is now permanent.

On XX/XX/XXXX, There is a charge from XXXX XXXX XXXX on my account (Transaction ID: XXXX) for $XXXX (exactly the same as the charge before).

Since that time, I tried to contact SOFI many time by email, and phone call, but there is no luck, they are not reachable.

Please help me solving this problem.
Consumer complaint received 2022-09-22
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. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate reported late payments update to paid as agreed 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (CA)

I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX  account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX  complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.
Consumer complaint received 2022-07-28
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)

With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX
Consumer complaint received 2023-02-22
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: SCA Collections, Inc. (FL)

The original creditor : XXXX XXXX XXXX shows the debt was opened on 2 different dates, XXXX on XX/XX/XXXX and also XXXX and XXXX on XX/XX/XXXX, amount {$2500.00} and it was charged off. A company, SCA Collect, that I did not know of placed an charged off account on my credit report without my consent or knowledge. They reported it on XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. That is a deformation of character. I am trying to purchase a newer car for transportation for work.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, Equifax and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests
Consumer complaint received 2022-07-01
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: DISCOVER BANK (TN)

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. 

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. 

In accordance with the Fair Credit Reporting Act your agency has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

I was notified by Wells Fargo on XX/XX/2022 that a payment of {$41.00} was due from a balance of {$1700.00}. When I called to speak with the fraud department they told me that XXXX cash advances were sent to my checking account with Wells Fargo. This was another issue of fraud as I have never opened any checking accounts with Wells Fargo, I use a different bank for my checking and savings account. Both these cash advances were on a credit card that had yet to be activated. They then had to close the false checking account that was opened without my permission before moving on to the actual fraud that I originally called about. Once that was done they told me that the cash advances were done over the phone to the false checking account that was opened. The representative then had to activate the card before looking into the account where they told me that XXXX cash advances had been taken from the account, XXXX cash advance was for {$1000.00} and another for {$600.00}. A fraud claim was submitted and on XX/XX/2022 they sent a letter stating that " they couldn't reverse the online transfers because there was not enough funds in the account or the account has been closed. We were unable to reverse any related fees and adjusted interest. Your claim is now closed. '' My account now clearly shows that adjustments were made and with dates that are incorrect. Looking at my account the first transaction shows a interest charge of {$23.00} on a cash advance on XX/XX/2022. It then shows the cash advance of {$1700.00} on XX/XX/2022 and a phone payment of the same amount on the same day. What then follows is all the interest and late fees that have occurred since then in my account. This has now affected my credit score due to the lack of action on their part.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with PNC was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I had my mortgage with freedom mortgage since XXXX of XXXX. Prior to that, I had been paying my mortgage to XXXX XXXXXXXX. I have never missed a payment or was never late to make payments. I had my ACH set up with the companies for the past 5 years. 

Freedom mortgage sold my mortgage to Mr. Cooper in XX/XX/XXXX. I wasn't aware of this and as such, there was no ACH set up. I got aware of this situation in XX/XX/XXXX and as soon as I found out, I paid the entire amount ( approx. {$11000.00} ) the same day with Mr. Cooper. It was an honest mistake and Mr. Cooper 's representative told me they can dispute my credit and fix this mistake as they reported this. 
However, I called to confirm this, and they denied that they can fix this issue and were not at all helpful in navigating and helping me find a solution. They were very dismissive and they didn't have this same attitude when I initially called to make payment and set up the ACH. I am looking for help in figuring out how to fix my credit. Thank you so much!
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (PA)

I was locked out of my Grain account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with grain in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, grain start charging an XXXX dollar fee which there was no option or ability to close account due to this fee
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (PA)

Equifax deleted the wrong Fraud ( XXXX ) account. They deleted a non fraud account instead of the fraudulant one but in their explanation and corresponding message to my original CFPB complaint. They said they know I disputed it the account and took all proper protocol but yet they deleted the wrong account. The account that should of been deleted was ending in " XXXX ''. They deleted a perectly fine active account instead. 

The fraud account is still on there and along with that my account dropped another XXXX XXXX because of that mistake. The original complaint id is below. Please fix as soon as possible please. This has been going on for over 2 months now. 

CFPB Complaint Number XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE & HAS BEEN DELETED.
Consumer complaint received 2022-07-28
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. (MI)

I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from Equifax, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U. S. C.1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-21
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. (TX)

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 2022-07-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX, XXXXt XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (NY)

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX XXXX I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.