davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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. (TX)

It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 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 account without my written instructions 15 U.S C 1692C. Without the prior Consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and XXXX for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (MO)

I'm making a compliant about a merchant company PAYPAL my business account has been affected by Paypal holding my money and taken it at the same time. I had friends and customers member send money into my paypal. Then paypal try to send my friend another charge to make it seem like the first one did not go thru. I been having paypal since 2019 and paypal been stealing my money by putting it on hold to just to take more money out of my balance from my money that have been sent to me or my business. Paypal has took money out of the money they are holding and paypal have a slick way on get over on customers by holding their funds just to take more money
Consumer complaint received 2022-09-28
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)

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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-09-28
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. (SC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (GA)

I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. 
The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. 

I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. 

With the amounts being different in multiple ways I would assume this is fraud
Consumer complaint received 2022-09-28
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 Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 ( a ) ( XXXX ) - I have rights to privacy. 

15 USC 1681 Section 604  ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
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. (CA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-10
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. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX  XXXX Balance : {$3100.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (CA)

Applied in XXXX, conditionally approved then advised to call 3 credit bureaus because there a freeze on husbands credit, spent multiple hours on phone with credit bureaus - all stating no freeze. Loan declined. Told to resubmit everything to try again. They already had everything but said they could not use it. Requested declination letter, was told it would have to come from lender that declined loan but they would not provide name of lender and I still havent received it. Resubmitted for 2nd try- was told approved and to watch email for loan docs- lots of incompetence but bottom line was they did not approve loan because I refused to take my house out of trust ( this loan was unsecured ) I advised on XX/XX/27 that I did not wish to move forward with loan- got confirmation this morning that loan was denied it wasnt, it was withdrawn
Consumer complaint received 2022-08-01
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: BARCLAYS BANK DELAWARE (NY)

Barclays just took over my account which was previously held by XXXX Bank. Upon taking them over I was in a dispute over charges. When I called XXXX at that time they said they no longer had the account and I needed to call Barclays ( that was XX/XX/2022 ). Upon calling Barclays that day, I spoke with an XXXX who told me that I needed to call back in 30 days since the information had not fully transferred over. When I called back on XX/XX/XXXX, I spent XXXX hours on the phone. I first spoke with XXXX who told me to put in the fraud charges on my end on the computer ( there were XXXX separate charges on the same day made at the same place totaling {$530.00} ). When I put in the first claim it closed out my account, and I could no longer get to it to put in the second. She then tried to transfer me to the fraud department to which she was saying they were having problems on their end she gave me a number and I had to wait 30 minutes and call that number. Well it brought me back to square one, and I had to go through everything all over again. I then spoke to XXXX he told me he spoke to the fraud department, and that because these charges happened before they took over the account that I needed to contact XXXX. I told him that they told me to contact them! I asked to speak with a XXXX to which I spoke to XXXX for a total of XXXX minutes and he then transferred me to the fraud department. I then spoke with XXXX, I was talking with her explaining everything and she kept putting me on hold. The last hold she put me on was extremely long. I was on the phone with her for 40 minutes, and then I was disconnected! She obviously had all my information, and she never called or emailed either to say we were disconnected. Basically hung up on as I had the message from the phone company. I want these charges reversed as these were not made by me! I spent 3 hours of my day getting nothing accomplished and I do not have 3 hours to do this again.
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IA)

At the end of XX/XX/XXXX I got a loan from XXXX XXXX XXXX XXXX to buy out my lease of a XXXX XXXX XXXX XXXX. The loan agent at XXXX XXXX wrote the loan for the wrong amount- it was short about {$300.00}. XXXX claimed that they sent the loan check back to XXXX XXXX multiple times but XXXX XXXX never received it. So in XXXX of XXXX, I made an additional payment for {$300.00} and XXXX XXXX asked XXXX to cancel the check and reapply the funds to the account. They agreed and said that it would be taken care of and the title would be sent to XXXX XXXX. As of today, XX/XX/XXXX, the title still has not been sent to XXXX XXXX despite the fact that they have had all of the money and information for six months. I have been calling bi-weekly since XX/XX/XXXX and have talked to hundreds of people there, but still have not had any resolutions. They continue to tell me that the special agent is the highest person I can speak with and they can only email the next person, as payment and processing " does not take phone calls ''.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

CBE GROUP is stating I owe them a debt of {$140.00} I wrote 3 letters to them with no response. They also reported this debt to the credit bureaus and will not remove. This is the 3rd letter I have written. 

This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE {$140.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2022, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action at the XXXX XXXX XXXX XXXX  against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX I am reporting this company to you CFPB
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Hello, my name is XXXX XXXX XXXX. As of XX/XX/2022, I had a scammer calling me using Wells Fargo bank phone number XXXX ( XXXX ) XXXX the persone acted like someone from was using my bank info, after verifying my information he logged into my bank account he XXXX himself {$1000.00} Wells Fargo do not want to refund me the amount.. please help me please and thank you..
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXXXXXX XXXX  account number 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.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/2022 I received an email from venmo stating my account had been frozen for being in violator the user agreement. I was asked in the same email to upload my ID to reactivate my account. I did as asked. 

On XX/XX/2022 I received an email from venmo saying they received my Id. They then asked for bank statements and pictures of my debit cards I had linked to their system. I replied to the email asking for further explanation of what exactly I needed as I did have some confusion and concerns. 

On XX/XX/2022 I received an email reply from a venmo account representative named XXXX. He stated that my account had now been permanently deactivated and my remaining funds of {$530.00} would be held for 180 days and there may be a chance I wouldnt be able to collect them even after that. 

No explanation other than them saying I broke the user agreement was given. Even after sending an email back asking for further details I was told they couldnt offer me any details due to the nature of security issues. 

I do have consumers rights and I feel like they have violated them. They are illegally holding my money in my eyes.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

Transactions amounts, and dates can all be found on the attached file. 
I'm including the denial reason letter. Chime is full of it and refused to take care of unauthorized charges based on a deposit prior. Hello chime. Rejects were commenting on my direct deposit monthly from my v.a. XXXX.
Consumer complaint received 2021-05-18
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: JPMORGAN CHASE & CO. (TX)

XXXX has inaccurate data on my report partially from their own mistakes and the other from JCMB Chase for reporting a payment late that was not. 

XXXX XXXX Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to XXXX were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

XXXX also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

Chase reported inaccurate information 5 years ago and XXXX does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.