davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing with equifax since XXXX for the same issue and they have not deleted anything. XXXX already deleted the same collection months ago from XXXX XXXX. I recently sent another dispute in XXXX. I disclosed that I was apart of the Equifax data breach as well. I sent everything certified because I am keeping a paper trail for proof they are ignoring all laws and dont care about my rights at all by violating them all. I called several times to tell them these inquiries were not authorized nor do I recall any of them also the collection reporting agency I disputed as well and they keep saying everything has been verified WITHOUT ANY PROOF AND I KEEP ASKING FOR IT AND THEY NEVER SEND PROOF. They are ignoring my requests and this is now caused me stress to my health as well as causing me to get denied for credit because they wont delete these fraudulent items off my report. I have sent them everything including dispute letters, federal trade commission ( FTC ) report, even a letter from XXXX XXXX them selves saying that only the credit bureau can delete the inquiry and they dont have a account with me Ill attach everything I sent them to this complaint. Im trying to purchase a home and these items on my report is holding me back. I dont want to take this to court but if this continues to happen Ill be left with no other choice because this isnt right and these items need to be deleted. Im getting denied for credit every time because of these items on my report.
Consumer complaint received 2022-08-03
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (DE)

Without previous notice, Paypal sends us this email and withhold our balance of {$28.00} USD and future subscriptions payments of {$7000.00} USD for XXXX and {$1900.00} USD for the current month 's trial suscriptions. 

We have reviewed all their Acceptable Use Policy and we dont breach any of the https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full We are a legit business registered as a C-Corp in Delaware since XXXX that have had to change our business model from offering XXXX services to the Travel Industry to now offering XXXX XXXX on our own platform for small business. Al we sell is our own XXXX XXXX and services and all are legit. 

This situation is affection our business as customers that like to use Paypal to pay for our services now cant and they think that is because we dont want to let them use their favorite payment service...

We tried to contact them by phone, several calls with several reps ... none of them been able to help, so we decided to raise a claim.

Email from : PayPal You can no longer do business with PayPal ( Ref ID - XXXX ) After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason14 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts.

You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause. 

Log in to PayPal
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC. (FL)

I always have 100 % payment history I had a car long time ago from XX/XX/XXXXand they repo the car and I was willing to pay to get my car back and exeiter told me its too late but they put it on my credit at first for XXXX $ and after I paid them XXXX XXXX XXXX PUT IT ON MY CREDIT after that and its hurting me really bad I know my right and base on act 616 and 617 if the company close an account they should not put it under my name ever again please remove all DEROGATORY MARKS FOR THIS ACCOUNT this is my last warning OR I will have MY LAWYER take the extra step
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc. (PA)

Professional Account Management LLC ( PAM ) has called numerous times using abusive language for an alleged debt that I have no recollection of. They have also sent said bills of this alleged debt and when being asked in writing to provide proof of such debt, they failed to respond. Attached is a letter dated XX/XX/XXXX in the amount of {$290.00}. As stated before PAM has been asked to cease all communication on XX/XX/XXXX iin concerns with this alleged debt and they failed to respond or follow request. This endeavor has caused me such anxiety and grief in which medical attention has been sought.
Consumer complaint received 2022-05-17
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. (NV)

In accordance with the Fair Credit Reporting Act 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 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 XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-03
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Consumer complaint received 2021-08-04
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)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OR)

US Bankcorp was my first credit card. I have had this credit card for the longest time. Until recently I have had problems making the payment on time due to being in between jobs. I want to say over the past year I been late twice and most recently requested a late fee removal and was denied. I wasnt given an explication or nothing.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (GA)

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 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 XX/XX/XXXX Inquires I didn't give permission to run my report
Consumer complaint received 2022-05-17
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)

I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MI)

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-09-30
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: Spring Oaks Capital, LLC (GA)

n accordance with the Fair Credit Reporting act Spring Oaks LLC, 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.
Consumer complaint received 2022-05-17
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)

I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the equifax data breach and may got into the hands of another person.
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (IN)

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from Experian, XXXX  and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Consumer complaint received 2019-07-29
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: U.S. BANCORP (FL)

Us Bank Inquiry from XX/XX/XXXX Us Bank Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX - Card Service Inquiry from XX/XX/XXXX They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score. 

I want from you to remove that inquire because i did not request any credit from this institution.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MI)

Every other Tuesday I get my paycheck deposited into my bank account at PayPal. This Tuesday my check in the amount of {$1200.00} was not showing up. I called PayPal and they said they needed to submit a support ticket to their engineers because they were having problems with direct deposit. I asked how long it would take and they said that there is no timeline. I've already incurred a {$70.00} late charge and returned payment fee from another company for a credit card payment that didn't go through. PayPal 's mishandling of my paycheck has cost me personally and will continue to cost me if not resolved promptly. My rent is due and I need finances to commute to work. PayPal isn't being helpful at all and acts like this isn't a big deal. I feel there is no true escalation to resolve the problem, just pacification.
Consumer complaint received 2022-05-17
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. (PA)

The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2019-07-29
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: JPMORGAN CHASE & CO. (FL)

Jpmcb - Card Service Inquiry from XX/XX/2018 National Credit Card Cos. They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX   health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score.

I want from you to remove that inquire because i did not request any credit from this institution.
Consumer complaint received 2022-05-17
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. (LA)

Right now I am bothered! This is my last and final attempt to file a complain to the bureaus. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX credit bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
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. (TX)

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.
Consumer complaint received 2022-08-24
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 (TN)

I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 COAF XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 CAPITAL ONE AUTO FIN FINANCE XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX