davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2017, I hired XXXX XXXX, freelance translator and editor, to edit a literary work, and I sent her {$35.00} through PayPal. However, when I reviewed her online resume on XXXX, I noticed she didn't have experience editing literary work and the next day I emailed Ms. XXXX, canceling my project. I sent a copy of the email to PayPal 's Resolution Center. 

An hour later, Ms. XXXX emailed me a partially edited version of my article. I informed her I was not satisfied with the quality of her work. After I paid her, she stated that she was not completely qualify for the job. 

Here is her response : " Over time, I believe you will be better served by a person who specializes in literary editing. 

I then reinvested in a literary editor, Mr. XXXX XXXX. He edited the entire article and said the previous editor [ Ms. XXXX ] had done a very poor job. He also corrected basic grammatical errors Ms. XXXX had overlooked and ones she added to the text. 

I asked Ms. XXXX for a partial refund. She replied by email : " Are you threatening me? I am shocked at that behavior. Why would you want to turn me into an enemy? Get a grip. If you wish to pay me, send me a check and I will release the amount on PayPal when I have it in hand and deposited. Otherwise, let 's end these communications. I have tried to help you and have only gotten trouble for my efforts. Enough. Let 's both move on. '' Due to the poor quality of her work and inappropriate behavior, I requested a full refund through PayPal. PayPal ruled in her favor, even though I explained to one of their representatives that I had evidence of her poor work, customer service and her lack of experience editing literary work. PayPal never requested me to send the evidence.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

Re : Request for Reasonable Accommodation I have two credit cards with Citibank. 

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that Citibank remove an account in my name from collections and eliminate the balance and remove all credit bureau negative reporting. 

I have documentation regarding my XXXX.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TX)

Acim acredit FKA they are scamming company and they keep harassing me making threats calls costly 10 to 12 times a day making threats and I'm sick of this here and need to stop and I need to take this off my credit report before I go file a identity theft they scam you into a accounts
Consumer complaint received 2019-10-06
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)

In XXXX of 2019, I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to the 3 major credit bureaus. I have since disputed this erroneous information and sent a debt verification letter to Equifax requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but did not state how. After sending a method of verification letter to Equifax, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ).

609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since Equifax has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.
Consumer complaint received 2019-10-06
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. (MN)

on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my XXXX XXXX and Equifax scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX and they said they would email me as they are escalating the issue. i have not received any such communication.
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove it if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.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! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (CA)

I called this creditor of Grant & Weber 9 times since XXXX of this year. I was directed solely to XXXX XXXX XXXX voicemail. One of these times I reached his temporary relief whom resolved 2 of my accounts but stated I'd need to call and reach XXXX XXXX to have them removed from my credit report and to set up a payment arrangement for the remainder of my accounts. Multiple calls and almost a month later, XXXX finally called me back this morning XXXX ( I've since had another account default to my report in the interim ) after I'd just returned home from the hospital and was resting. I informed him of what I wanted to accomplish, he informed me that I had a lot of accounts and a lot of outstanding debt. Under {$700.00} is not enough to make me feel that bad about it. I told him first we needed to settle the deletion of the accounts on my credit report. He told me how that works, I told him I'm not brand new and he raised his voice telling me he doesn't care. A few more words ended the conversation. He avoided my call for months and now calls with rudeness. I just want my debt resolved and they are supposed to want my money.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax, the fact that you are ignoring the the fair credit reporting act is very disappointing. You have deleted bankruptcy chapter XXXX off of my credit report, because you couldnt verify that it was my account. Also you know that you have told a lie saying the courts verify this information. Which they do not. And i provided a letter from the court stating that they indeed, DO NOT report public information to the credit bureaus. You reported this account back onto my report XX/XX/2021. Why? This is extremely frustrating for me. To provide you with correct information. For you to still go against the fair credit act is disgusting. Please remove this account like you previous did, and do not add it back on. Or i will result to legal actions. I will attach the letter from the bankruptcy court AGAIN. Also remove all those addresses that do not belong to me. The only address that is correct is XXXX XXXX, Florida.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( XXXX ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Consumer complaint received 2019-10-06
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: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX requested deletion letter
15000 XXXX  XXXX XXXX XXXX Va, XXXX
Wf Crd Svc Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX XXXX XXXX, IA XXXX  XXXX inquiry from XX/XX/2019  requested deletion letter XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX
phone number XXXX
XXXX XXXX   XXXX XXXX inquiry from XX/XX/2019 requested deletion letter XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX  XXXX   XXXX XX/XX/2019requested deletion letter
XXXX XXXX XXXX XXXX  XXXX, IL XXXX
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Hello and a good day to you and thank you for your time. 
On XX/XX/XXXX. i sent Coinbase a crypto currency wallet/app. {$2500.00} to open an account, did so with no problem, i personally wired them that amount, minus {$45.00} for the wire fee for the purchase of a crypto coin, on the XXXX. of XXXX the next day, Coinbase fraudulenty withdrew from the same account i used to send them the monies and exact {$2500.00}, for this was done without my knowledge, and with no consent for them to do so.The minute i found that out i sold what i had just bought at a loss of {$400.00}, just impossible to deal with, there app. is constantly down, customer service is just and endless loop of getting nothing done, asking the same questions over and over and not doing anything about it, extremely, extremely frustrating.My bank went in and was able to recover the second non authorized charge on the XXXX. of XXXX, other then that these people are non-existing.
Consumer complaint received 2021-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (MD)

I am writing to report fraudulent use of a {$200.00} prepaid MasterCard card I purchased in fall XXXX. It was issued by U.S. Bank. I took the card out of the original packaging on XX/XX/XXXX and went to use it for the first time at XXXX XXXX, but was only able to use {$4.00} of the {$200.00} value. When I got home and looked online at XXXX, I could see that it had been fraudulently registered online to someone in California, who {$190.00} charged last XX/XX/XXXX to a merchant I do not recognize. 

I called the customer service number on the packaging on XX/XX/XXXX, and was told that they had notes on their system from last fall indicating suspicion of a fraudulent registration due to an unusual phone call at that time. They said that I would need to FAX them a copy of my drivers license, the front and back of the card, and the purchase receipt in order to move forward with resolving the issue. I explained that I no longer had the receipt, and they told me to send in what I had. However, they could make no assurances that this would be sufficient to have my stolen funds restored, provide a case number or direct contact number or email for those at their institution who would be dealing with this issue, or give me a general timeline for resolution of the issue. 

I will FAX them the driver license and card image as they requested, but because they can provide no assurances that this will restore my funds I am also filing this complaint. As directed on your site, I am not providing my name or the card number here.
Consumer complaint received 2021-09-19
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. (AZ)

I filed a dispute with Equifax on XX/XX/2021 and XX/XX/2021. In my dispute I advised that the account was open not closed and status needs to be updated. When I get back the results they are only in regards to the payment history. My dispute is about the account status not the payment history.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (IN)

I have been an outstanding PNC Customer for many years with several accounts : On XX/XX/XXXX I was appalled to receive 5 ( five ) letters dated XX/XX/XXXX, that all of my accounts would be closed as of XX/XX/XXXX without any prior warnings! It was a hardship for me, transferring funds to another Bank, setting up new Direct Deposits, and not being able to use its Telephone Banking.

In the past, I had to bring discrepancies to its Customer Service and also to the Executive Office, whose Manager " XXXX '' only wanted to handle a dispute of {$24.00} XXXX Credit Bureau charge, by canceling my Credit Card in order to send me a new one, which would take several days. I then decided to take care of it myself in lesser time. 
I also had an unauthorized charge of {$210.00}?, which a XXXX XXXX refused to delete, and it seems that PNC passed this amount on to the Credit Bureau as owed. I tried to give XXXX XXXX more information, which she refused, however, she " did it her way ''. Receiving a letter from her, I noticed another mistake ( although, I had advised her. She promised to send me the corrected letter, which I never received. 
I also noticed that I overpaid the PNC Credit Card, and I never got the funds, they owed me from XX/XX/XXXX. 
Summary : I helped and corrected many more mistakes, I could mention, i.e. not deleting my husband 's Credit Card being Joint owner, upon his Death in XX/XX/XXXX, although I presented a Death Certificate in XX/XX/XXXX, and it took PNC 18 months to delete it. 
I never dealt with a Bank, making so many mistakes, which I had to bring attention to.
Consumer complaint received 2022-08-03
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}.
Consumer complaint received 2019-10-06
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)

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (GA)

XX/XX/2017 I asked the company to closed my account and If I could return such merchandise. They refused to take back the product, but let me close my account. But, I began to receive more interest and hiked payments. I called again to speak with top management and they refused to help. So, I filed a dispute with XXXX. No, results. They still were charging me money. And, still doing so. My status is Closed /Never late, but this company refuses to stop charging me. It started XXXX  it's now XXXX. please help. Company Barclay 's.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (IL)

YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS The Bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$300.00} on my consumer report, the collection is being reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, The Bureaus, XXXX, owe me in my Bill of Particulars.
Consumer complaint received 2021-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE (IN)

XX/XX/XXXX purchased a home with ruoff mortgage threw XXXX XXXX XXXX of XXXX XXXX indiana XXXX as in doing so was not explained about taking over a indebtness of XXXX and later told bye XXXX XXXX title company in XXXX XXXX indiana XXXX that ipurchased the house for XXXX and my loan was for XXXX so my question is where the rest of the cash and then also never got a updated property survay as stated in the loan XXXX dollers a day that not placed in my hand still hasent bee and company XXXX XXXX XXXX of XXXX  XXXX indiana stated that i need to get the land resurveyed since it hasent been since XXXX and they didnt know who and what land has been purchased. Also my concerns is ease ments of the property that have been covered but not listed as utlity having encumbrance to exsisting alley that is covered and much more then freedom mortgage purchased my loan from ruoff right away and there so much wrong with it and has taken toll on my life time and job and family and more looking for the most help i can get and for all the struggle emotionally and more for all this has created.