davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX : {$1200.00} fraudulent and unauthorized charge ( dated XX/XX/XXXX ) was first reported to the Credit Card Customer Service phone line as soon as it was first discovered when I received the credit card statement ( XX/XX/XXXX closing date ) XX/XX/XXXX : Written notice of the discovery of this fraudulent and unauthorized charge sent on XX/XX/XXXX to Credit Card Services via US Postal Service Certified Mail XX/XX/XXXX : Received written notice from Credit Card Customer Service ( dated XX/XX/XXXX ) that they are investigating fraud claim. 

XX/XX/XXXX : Received system generated letter from Security Operations dated XX/XX/XXXX that they deny they claim of unauthorized use, and have rebilled the charge of {$1200.00}. 

XX/XX/XXXX : Also received credit card statement ( XX/XX/XXXX closing date ) showing the rebilling and requesting full payment of the {$1200.00}. 

XX/XX/XXXX : Called Credit Card Customer Service phone line, who could only confirm that the charge was rebilled to account, and could not take further action. 

XX/XX/XXXX : Called Credit Card Security Operations who only responded that their internal investigation was closed, that they deny my claim of unauthorized use of the account, and that the charge is rebilled and payment expected. 

XX/XX/XXXX : Written notice sent via US Postal Service Certified Mail that I disagree with their assertions. My position is still that the {$1200.00} charge dated XX/XX/XXXX is both fraudulent and unauthorized. I am the only authorized user on that account, I never set foot in that store on any day in XXXX, and I did NOT authorize or execute that charge. 

XX/XX/XXXX : Filed initial complaint via Consumer Financial Protection Bureau ( CFPB )
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DC)

I made a payment on XX/XX/XXXX of {$1000.00} towards a credit card bill from Citi Bank. This payment cleared my bank account ; however, the credit was not posted to my Citi Bank credit card account. I called to check why, because it should be immediately available or at the latest 3 days. I was informed on the phone that the payment was under review, even though it was coming from an account with my name on it, and the payment would not be able to be made available until XX/XX/XXXX. That is an extremely long time for a payment to clear. They said I could call my bank where the funds were sent from to verify they cleared. I agreed to do this, and the funds were verified, and Citi Bank removed the hold/review and credited me the {$1000.00} ( XX/XX/XXXX ). I understand this happened because of the reasons they provided then, which were because the account was new and it was a large payment. I think this is rediculous but I thanked them and went on with my day. 

Today, XX/XX/XXXX, The exact same thing happened with my recent payment of {$1400.00} on XX/XX/XXXX, and it cleared my bank on XX/XX/XXXX. This was from the exact same checking account to the exact same credit card I have with Citi bank. They flagged the payment again, citing the same reason. This time I asked to speak to a supervisor when I informed them of my issue because, at this point, there was some discrimination that had to be the basis of this. The first agent I spoke to would not allow me to speak to a supervisor after going backward and forward with him, asking XXXX times to speak to a supervisor. She informed me that the payment was under review and would not be released until XX/XX/XXXX after the review. The same thing happened with the second agent, but this time after asking XXXX times, he mentioned if I would like to just speak to someone in the XXXX. I said yes. I finally get to speak to a regular agent in the XXXX and informed her that she would not be able to help me in the way I needed to be helped. So I asked her for a supervisor, and she immediately connected me with XXXX. I explained both situations and the horrendous experience with the first XXXX representatives in another country. The supervisor provided me with the same reason as before as to why the payment was flagged. I asked if I could get some documentation regarding the reason why this keeps happening, and she insisted she couldn't and that she would only be able to send a confirmation email. We proceeded to call my bank where the payment came from, the bank verified it again, and she credited my account. 

I really think that Citi Bank is racially profiling me, in addition to discriminating against my previous credit history. There are probably other discriminatory reasons as well, but this has to stop. Every payment I make to pay my balance off each month should not be flagged as me fraudulently making payments from my own checking account.
Consumer complaint received 2023-01-19
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-19
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)

Equifax is reporting a collection account that the company has stated is inaccurate ( I will enclose the letter ) and the account has a zero balance. I've tried several times to fix this issue and to no avail, nothing happens. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. This is my 3rd notice to Equifax, and per the letter received from the collection agency, the credit bureaus have 60 days to update the account. At this time, I will be reporting Equifax to the XXXX as well as the attorney general and will be seeking compensation per violation if this account is not removed immediately. Please see the attached letter.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (CA)

Venmo. I had a negative balance last 6months now of XXXX 
Representative advised when balance, brought back to XXXX balance, I, may resume business transactions.!

Not the case. Already has held my money 28hrs now L
Consumer complaint received 2023-01-19
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (TN)

I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

Im having issue with obtaining my consumer report from Lexis Nexis. I spoke with XXXX ( ID # XXXX ) on XX/XX/22. I was informed that I asked for a security freeze on XX/XX/22 and I unsuccessfully attempted to order my consumer report on XX/XX/22 and again on XX/XX/22. They informed me that the request was unsuccessful because the information did not match. The irony is, they sent out a letter on XX/XX/22 to let me know my information did not match, XXXX weeks from the initial request, but this is the exact same information I provided to them on the phone on XX/XX/22. 

Furthermore, they claim that they sent the report out on XX/XX/22 ( after I spoke with them on the phone ) but I still have not received anything. After speaking with them on XX/XX/22 said they have submitted another request to send me the information I need to access the file. As of today, again I have not received anything from. From what I understand according to the FCRA I have the right to a free report once a year. With or without this report, I want any and all penalties to be enforced on this company. This has to violate every right that exists to a consumer.
Consumer complaint received 2021-11-16
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$730.00} XXXX XXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXX-Balance {$400.00}
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My wife and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Consumer complaint received 2022-11-11
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: Exeter Finance, LLC. (TX)

I pulled my Credit report on XX/XX/2022 to find out that Exeter had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with Exeter, so if they sent correspondence, I have not received it. I called Exeter and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NH)

Barclays Arrival XXXX XXXX XXXX card alerted me to tow fraudulent charges on my card. Pursuant to that, when I received my statement there were two additional fraudulent charges which I then called into Barclays to alert them and dispute. I was told to deduct those charges from my payment. On my next statement I was charge interest and penalties for not paying my statement in full. I have called Barclays four times to try to get these charges rescinded, and was told I have to pay the charges. I have asked verbally and through emails to speak to a supervisor or manager. No one has returned my call. I believe I am protected by federal law and by my Barclay 's credit card agreement that consumers are not liable for fraudulent charges and any penalties associated with such charges.

I have had not response from Barclays regarding this manner.
Consumer complaint received 2021-11-16
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2900.00} XXXX-Balance {$410.00}
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

I opened an account with PayPal in XXXX of XXXX and was getting my unemployment checks directly deposited into my PayPal XXXX account during Covid-19. I was unable to get out and open a regular checking account at the time due to the stay at home order in place in my state. PayPal was recommended to me by my granddaughter. In XXXX of XXXX, I received an email asking for several identity verification measures, which I uploaded immediately. I continued to use my account and have my unemployment benefits deposited into my PayPal account. On XX/XX/XXXX, my account was permanently limited unexpectedly and my funds were frozen. I was struggling to cover my bills due to Covid-19 when PayPal refused to allow me access to my funds. I was informed that after 180 days I would receive an email with instructions on withdrawing my remaining {$1900.00} from the permanently restricted account. I waited 180 days and did not receive the email from PayPal, so I began attempting to contact them. I was never able to speak to anyone that was able to give me any answers or help in any way. I continued to call and message PayPal for help withdrawing my personal funds from a permanently disabled account, but always got the same response that a message was sent to the front office. After months and months of attempting to contact PayPal unsuccessfully, I filed a dispute with the XXXX XXXX XXXX on XX/XX/XXXX. I finally received a response from PayPal, but they still refused to give me access to my personal funds. Their response was that they are not obligated to release my funds and if I have further questions to email the US Secret Service. I emailed the address that was included for the Secret Service, but have yet to receive any correspondence from them. I have also emailed PayPals Office of Executive Escalations at the address attached to the XXXX  claim, but have yet to receive a response from them either. I have made every possible attempt to settle this problem with PayPal, but after over 2 years Paypal is still denying me access to my personal funds. I do not want them to reopen my account, nor would I ever do business with them again. I am only requesting that they allow me to link my XXXX XXXX XXXX account and withdraw my funds from the permanently closed PayPal account. I would accept a paper check sent to my address, if that would be easier for them, but I want my money out of PayPal immediately.
Consumer complaint received 2021-11-16
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. (AL)

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted XXXX and Equifax several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Consumer complaint received 2021-11-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TN)

All of my loans ( private and federal ) are in deferment until XX/XX/2022. Sallie Mae continues to harass me through email, phone and direct mail about paying these loans. I am already in the process of having my federal loans forgiven because the school lied and defrauded me, overcharged and misled me as to what I could do with my degree.
Consumer complaint received 2022-08-04
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX has violated my rights via a UNAUTHORIZED credit inquiry on XXXX. 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.