davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (WI)

I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account.

I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help.

This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal.
Consumer complaint received 2020-10-29
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. (CA)

I sent in my dispute letter to Equifax dated XX/XX/2020 in regards to a inaccurate item reporting on my credit report. Its been over 30 days and the investigation and the information requested has not been completed. Due to the investigation not been completed in 30 days the item being disputed must be deleted immediately. Also I provided a credit report showing the item being reported inaccurately so Equifax should not be able to say it's verified. This problem has caused me undue stress and financial hardship!!!!
Consumer complaint received 2020-10-29
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)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute
Consumer complaint received 2018-06-25
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)

My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}
Consumer complaint received 2018-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I tried to contact the Citi Bank agent responsible for the transfer of funds, but he refuses to respond. I owned a joint account XXXX With XXXX XXXX XXXX. We lived in XXXX New York and have since parted ways. XXXX XXXX of Citi Bank stated in order for XXXX XXXX to use the funds in the account, my name would have to be removed from the account. At a meeting in his Citi Bank office in XXXX, XX/XX/17, he told me this. I protested and he said I could become the benificiary to the account. When I asked If my name could be removed, he said NO! After signing this agreement, I was told by several people that XXXX XXXX could be wrong. I don't think Citi Bank has any such rule concerning removal of a part owner of an account in order for the other owner of the account to have access to the money therein. I also think I was misslead concerning the permanent benificiary statement by XXXX XXXX. 
By New York State law, I am allowed to record meetings mentioned. This I have done and a record of XXXX XXXX 's statements has been documented. 
If this bank transaction is illegal, I think I should be reinstated as part owner of the account, or at least receive a statement from Citi Bank stating I am the sole benificiary.
Consumer complaint received 2020-01-21
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)

Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.
Consumer complaint received 2019-08-20
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. (ID)

Equifax; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WV)

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of XXXX, XXXX or Equifax. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  XXXX  and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX  that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 
2. ELAN customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX  and XXXX XXXX that I see I am not alone ... ..
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Referencing my CFPB Complaint Number XXXX, this is a follow up submission. I have been charged a fee by Citibank dating back to XX/XX/2003, for " Payment Safeguard '' protection, a product/service that I never signed up for. I have asked Citibank to provide me with proof of me signing up for this product, but they have not produced this proof to date, simply stating that their " ... records reflect you enrolled in Payment Safeguard, formerly Credit Protector, on XX/XX/2003. In addition, we mailed you monthly reminders on your statements, which provided information about the program benefits and pricing, as well as a phone number you could have called to cancel your enrollment. '' I do not recall ever seeing anything come to me in the mail providing me with program benefits and pricing, a phone number to cancel enrollment, not even a letter confirming my enrollment in the program. My experience here sounds exactly like the experience another of Citibank 's customers had ( a XXXX XXXX just last year ) as evidenced by his story at the following link : XXXX XXXX   XXXX. My ask here, again, is that Citibank provide me with proof of my signing up for Payment Safeguard this product on XX/XX/2003.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have 2 accounts that were closed by the company Citibank Retail. Sears Master Card account number XXXX and Home Depot account number XXXX. I had an excellent payment history with the companies. I was XXXX XXXX XXXX XXXX and was going through the mail and received letters indicating that my account payments had been reversed and that the cards were closed. I was baffled as I had not made payments to the account that were reversed. The account had 2 or 3 payments, that were made from account that I am not aware of and never had any association with. They ( Sears Mastercard ) charged me numerous fees associated with the unauthorized bogus payments and there was a charge for {$1400.00} on XX/XX/01. I was still held liable for this charge though it was a fraudulent charge. According to Sears policy, I am not supposed to be held liable for fraudulent charges but yet I was. I was baffled. I unfortunately had been continuously in and out of the XXXX  with XXXX XXXX and I still am going through this as I just was XXXX a week or so ago. Even though it's a pandemic, I have been in the XXXX   numerous times, which is extremely scary, as well as in and out of XXXX  with my mother as I was her only caregiver which unfortunately she passed. I explained this to the company and asked them to look at my payment history and the account in which I pay them from they would see that I have never submitted a bogus payment nor have I made a payment from the account that made these payments that they reversed. The customer care would not assist me and I was forced to make a payment plan of {$130.00} because I did not have the amount that they were requesting because of this situation. Also, I was still trying to demonstrate that I am upstanding and wanted to make the account right. I also was told that they closed my Home Depot credit card because it was under the same company ( Citibank ). They did not care that I had a flawless payment history with Home Depot. i explained to a loved one what transpired and they suggested to make a complaint since I was being held for accountable when I shouldn't have been.
Consumer complaint received 2020-07-02
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: CITIBANK, N.A. (NJ)

XX/XX/2020 we paid with Citicard Credit Card car dealership to fix our auto {$980.00}. Dealer claimed they did fix our car. We arrived at dealer and paid in good faith. When we arrived to pick up our car, the dealer tried to deliver the car with no fix right there in their own garage. We never took the car back. Dealer then refused to return our money. Claim : Work we paid for was faulty or not completed. 

We then dispute the charge with Citicard two days later. Citi put a hold on the charge. We then sent a complete 26 page report to Citicard about the dispute on XX/XX/XXXX. Citi wrote us they ruled in our favor XX/XX/2020. The charge was removed ... then later magically appears again on our monthly statement. We contact Citicard on several occasions to find out why. They claim that we should be removed and ruled in favor. Then we receive a letter from Citicard dated XX/XX/2020 saying we must pay anyway. See attached two scans. 

Complete run around and hung out to dry by Citicard to us, and days of hours of calls on the phone with them for a further run around.
Consumer complaint received 2018-06-25
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: EQUIFAX, INC. (FL)

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (NY)

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX  cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Consumer complaint received 2021-01-20
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. (TX)

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow XXXX is showing account as open while Equifax & XXXX are showing account closed. This does not meet Fcra requirements as stated in XXXX remarks & they are inaccurate.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (VA)

I have called Equifax Numerious times trying to get a credit freeze off of my credit report. I get a foreiner who knows nothing and thinks they own the company. They keep telling me that that I ghave to send in more info to get my credit report. I would like to purchase a car and they are hurting me. They want me to send info to put into the database so they can let everyone get it again from there data breach.
Consumer complaint received 2018-06-25
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)

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT