davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-30
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. (TX)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
Consumer complaint received 2021-09-22
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. (FL)

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap   ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX and XXXX  XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NY)

I am the consumer natural person making this report notifying Credit Control of there Federal violations pursuant to federal law. Pursuant 18 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 Credit control LLC & XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.
Consumer complaint received 2021-11-24
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2021-11-24
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. (NY)

These accounts must be DELETED. Equifax has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Equifax is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These two accounts listed above Must be DELETED. Equifax is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Equifax showing that these two companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Equifax must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IL)

I, XXXX XXXX applied for and was approved for Citibank Mastercard. I applied with my name, my birthdate, and my social security number. However, the approval came back with the first name, XXXX, which is my husband 's name. I registered the card online, with my social security number, and it already hit my credit report for the inquiry on the card. The company refuses to speak to me, because my name isn't XXXX. I have faxed in and e-mailed in copies of my social security card and driver 's license to prove my identity and they still refuse to fix the problem or speak to me regarding the account. I am very upset because they gave out information on my account to my husband, XXXX, which they should not be speaking to him about my account. The offered him to close the account, my account, that's attached to MY CREDIT REPORT.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2021 I left my phone and some debit/credit cards in my roommates car. Later that day and evening someone used my Robinhood ATM card to withdraw {$880.00} from my account. I didn't realize it had happened until a few days later. When I did recognize it. I tried to dispute it online using their app. It told me I couldn't. I then put in to be called back by customer service. This call never came. It took me a month to actually file the dispute. It took me another two weeks to have the matter addressed with more than just an acknowledgement that the theft took place. After waiting for the requisite ten days for the investigation to proceed, I realized that I had received an email informing me I was sent an email with a questionairre. That questionairre never came. When I messaged the Cust. Support Team again to inform them I did not get this questionairre, I was told that they were waiting on me to complete the questionairre. I submitted complaints with the SEC and with the bank that handles Robinhood 's ATM debit transactions and nothing has come of it. I submitted online complaints with them again and am waiting to receive a call back from them. It is almost XXXX. Robinhood is out of Reg E Compliance and needs to return my money.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

On XXXX XXXX, XXXX, I had a deposit made into my paypal checking account for {$700.00} by an individual known to me. This is not the first time my account has received this amount or similar amounts into the account. I tried to withdraw the funds by accessing my account on my mobile phone using PayPal 's mobile app. Everytime I tried to move the funds so that I could utilize it, PayPal app would give me a message saying " were sorry we are having difficulties processing your request. The problem is on our part. Please try again later '', then the application would freeze. I tried numerous times to complete the transaction and at different times but kept receiving the same message! When I finally called paypal, I found out that apparently there were some steps for me to take in order to get access to the funds which I found out that paypal put a hold on. NOWHERE WAS I NOTIFIED OF THESE STEPS TO FOLLOW ON THE MOBILE APP OR ONLINE! 
I believe this is an unfair and predatory practice since I am sure I am not the only customer to have experienced this. PayPal and others like them like XXXX, are unfairly holding on to funds belonging to millions if not billions of people like me who are not savvy when it comes to online or virtual credit lending companies or whatever they're called, q like themselves. And by doing so, they are benefiting from these held funds to the tune of billions of dollars in interest earned and at the cost of normal people struggling to make a living or make ends meet and who themselves are losing out, collectively, on billions of dollars in terms of interest they could have earned, had they had timely access to their funds AND A LEVEL PLAYING FIELD IN TERMS OF CLEAR INSTRUCTIONS TO THE CONSUMER as to what needs to be done to gain access to the money that friends and family send or their customers send. I believe they are intentionally doing these things to financially benefit from consumers and somebody has got to stop them! Additionally, I think that they ( paypal, chime, etc.. al ) are intentionally trying to shield themselves from litigation by preventing consumers from taking screenshots under the guise that it is for the protection of consumers! Consumers should be able to screenshot whatever they want to once they have satisfied security protocols set in place to gain access to the information in the first place!
Consumer complaint received 2021-09-22
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: CL Holdings LLC (CA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-22
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. (FL)

Inquiries on my credit that do not belong to me that appear on my Equifax credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  C XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have reported to Equifax that these items are fraudulent.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NJ)

The credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent .I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately
Consumer complaint received 2021-09-22
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. (MD)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2021-09-22
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)

NO XXXX XXXX for this dispute and I repeat do not use XXXX XXXX. Hello my name is XXXX XXXX I am in fact a natural original person. I am sending this complaint in regards to several accounts I have notice to be fraudulent and inaccurate. XXXX XXXX, XXXX XXXX. I have no prior knowledge as to why this is reporting on my consumer report. I have filed a lawsuit against XXXX XXXX along with Equifax, XXXX and XXXX. You shall be receiving a notice from the Attorney General and The XXXX Court House. My rights to privacy has been invaded and I am very distrait to the situation and I am not a happy individual. I am only allowing 48 hours and I will follow up within 3 days. This is my final attempt to resolve this matter or else I am going to litigate this situation. I have sent 2 Affidavit notice and certified mail with court documents more than 90 days ago the FTC report is attached. Do your due diligence and take this matter very seriously as it pertains to my life.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (MD)

I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, GA badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
XXXX. Social Security card XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer The law states otherwise. XXXX XXXX XXXX state only numbers XXXX is needed. 
XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law XXXX XXXX XXXX. 

On top of that It has now been over XXXX days, and I have not received any response form Equifax in regard to my disputes.
Consumer complaint received 2021-11-24
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, Im a coinbase user. Two months ago my account was locked and now I just see a message that say " your account is in revision ''. I have about XXXX which Im not able to withdraw from the account, neither buy or sell my virtual coins. I have sent many mails but they don't give me any response.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX XXXX XXXX I don't normally apply for any new credit. I was switching XXXX service providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX Bank had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and XXXX. Equifax was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from Equifax. 

By placing an upsell page 1st on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NY)

Today, XX/XX/2021, I received a credit card from Citibank that I DID NOT apply for. I called XXXX numbers associated with the card, both are automated systems and want the last XXXX digits of the card to continue the call. I do not want the card and fear entering the digits will activate the account. I wish I had never received the card and have no intention of activating the card. I wish there was a way to contact a live human being at Citibank. 
In short, my complaints are : 1 ) receiving an unsolicited credit card 2 ) no direct means of contacting the issuer ( Citibank )
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (WA)

I have a car loan with Westlake Financial and Ive been struggling trying to get a copy of the tittle from them. I moved from XXXX  to XXXX  XXXX  and in the end of XXXX I started trying to have my tag transferred to new state. 
On XX/XX/2021 I had the tag office sending Westlake Financial the fax requiring the copy of the title. Till today they havent send it. 
Ive trying calling uncountable times, sent many emails and nothing happened.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (AR)

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX XXXX and XXXX, then in XXXXXXXX XXXX  I sent certified to credit bureaus and to XXXXXXXX XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.