davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX hard inquiry from XXXX. reported XX/XX/XXXX credit limit was {$2000.00} balance reported {$1800.00} 92 % of account limit. XX/XX/XXXX, remark removed from account. balance increased by {$130.00}. XX/XX/XXXX {$1900.00} was spent, account under investigation. 




XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XXXX Account under investigation. 



XX/XX/XXXX hard inquiry from XXXX  XXXX no action was taken contacts was lead to nothing. 



This are all false reports on my credit. This are false inquiry accounts opened under my name are false I want them to be fixed/ deleted
Consumer complaint received 2022-08-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

Complaint Regarding PayPal Withholding My Payment I'm writing with regards to help with the release of my payment in PayPal PayPal sent me an email claiming that it had limited my account Upon inquiring the circumstances behind the limitation, PayPal informed me the account had been limited for security reasons- reasons they can't reveal. 

Please note that I'm a single mother of XXXX, I'm paid by my employer using my PayPal email address and my bank ( paypal ) has permanently limited the account with money in it. 

I feel so devastated, shocked, overstretched and completely overwhelmed. 

I'm slowly sinking into XXXX and I think this issue is having a toll on my health and mental wellbeing. 

I can provide the PayPal email associated with the limited account The amounts withheld are {$84.00} dollars Date of withholding was XXXX XXXX, 2022 The reasons they cited for limiting my account was that the account was closed for security reasons they can't disclose and that my money will be made available to me 180 days after the date of the limitation. 


I hope that you'd been of assistance in this matter. 


Best, XXXX
Consumer complaint received 2021-10-28
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. (NJ)

Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
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)

XXXX XXXX XXXX timeline of complaint XXXX - Ordered phones XXXX 2020 - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. XXXX with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The XXXX  Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with XXXX Report Number : XXXX XXXX Dispute results ready from XXXX  The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.
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. (FL)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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. (TX)

The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a XXXX issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. XXXX XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. XXXX XXXX XXXX v. Nicholas, Amtrust Bank v. Fossett. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. Delete the account from my consumer report.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp (IL)

CREDITORS DISCOUNT & AUD has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with CREDITORS DISCOUNT & AUD yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

While I was on vacation from XX/XX/XXXX - XX/XX/XXXX my debit card was lost. I realized it was lost the morning of XX/XX/XXXX. I had just packed away my dirty clothes and things I did not need for my next XXXX days and assumed that i had misplaced it in there. I went ahead using my XXXX pay wallet for the remainder of the trip. My apple pay wallet requires, when charged as a debit, to enter in my pin number. When I arrived home I realized that their were $ 300+ worth of charges that I did not make and my debit card was no where to be found. I called the bank and submitted the fraud claim and was provided a provisional credit and was assured that if I lost my debit card that this would be straightened out. A few weeks later I woke up to my account balance being negative due to those provisional charges being reversed. I looked on my online banking and did not receive any correspondence from Chase bank saying that the fraud claim did not go in my favor or any explanation. I called the bank, was transferred around two 3 separate reps and when asked why it was denied, they just said the fraud claim didn't meet their policy requirements. I asked if I could resubmit the claim and they said no and that I was responsible for bringing my balance to positive and if I didn't I would be sent to their collections department. I called once again that week trying to get more answers and they said it was because XXXX of the transactions I submitted was made using my pin and asked if I had my debit card pin written on the card or anywhere in my wallet. I had my pin written in my wallet but it was still in my wallet so i don't see how that would matter. They then said that because i had done that it was not their problem and I was responsible for the funds, and found it suspicious that I disputed a transaction that I used my pin for. I realized it was my mistake and I had made that transaction using my XXXX wallet. I tried to explain this and the woman rushed me off the phone saying that there was nothing she could do. Now I'm continuously getting collection calls from chase to pay back funds for purchases that I didn't make. I have since switched banks but in essence chase has now stolen over 300 dollars from me and are holding me responsible for transactions that I did not make. Please help me get my money returned.
Consumer complaint received 2021-12-20
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. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2021-12-01
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: Navient Solutions, LLC. (AZ)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii  ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF ED/NAVIENT ( still reporting ), XXXX XXXX XXXX has emailed me that they will be selling my information yet again to XXXX XXXXXXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.
Consumer complaint received 2021-12-01
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. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-10-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XX/XX/XXXX even though I was born in XX/XX/XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX : XX/XX/XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by Wells Fargo Dealer Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with Wells Fargo Dealer Services and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : WELLS FARGO DLR SVC/ Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History : Youve made 100 % of payments for this account on time. 

I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : 1. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness.

2. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status.

3. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report.

Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by Wells Fargo Dealer Services. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders.

I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint.

Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

LEXISNEXIS OPT-OUT confirmation numberXXXX After opting out you violated my rights you Lexis Nexis reported to XXXX, XXXX, XXXX when XXXX froze your report you have done damage to my credit and personal information enclosed are my documents with you FREEZE ANY AND ALL INFORMATION AT ONCE. please explain why you released my personal information after I froze it
Consumer complaint received 2019-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

On XX/XX/XXXX I applied for a refi on my home. Wanted to combine the 1st mortgage and the line of credit into 1 mortgage, thereby lowering the monthly payment. Sometime in early XXXX the loan was approved and we closed on XX/XX/XXXX, with the 3 day rescission disbursal occurred on XX/XX/XXXX. The 1st mortgage balance was XXXX thru XXXX XXXX + XXXX for the line of credit thru US Bank. My new mortgage is XXXX, with some extra money for a new roof. Somewhere around XX/XX/XXXX I started getting phone calls from US Bank about the line of credit payment not being made. Spoke with XXXX XXXX, the mortgage loan originator, and he said it will be taken care of. The calls & letters continued, XXXX kept saying it will be taken care of. Now, the lack of payments is being reported to the credit bureau, thereby affecting my credit score. Late XXXX XXXX told me it was out of his hands, and I should contact the bank manager, XXXX XXXX. 
Several phone calls, have never been returned. Spoke with the mortgage collection department, they don't know what to do to help me. Sometime in the last few days the balance has been paid, but it still has affected my credit score. I would like a letter sent.
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (TX)

I got a bill from Heartland Resolution Group saying I owe {$1000.00} to XXXX XXXX XXXX XXXX XXXX. But the name of the person in the bill is not me. We have different last name.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : $ XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.