davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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 XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX -XXXX  XXXX XXXX Account # XXXX -XXXX XXXX Account # XXXX XXXX  Account # XXXX -XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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. (LA)

Equifax has been reporting an inaccurate charged off account on my consumer report which has highly affected me from getting a home loan. I'm aware of the recent coding issue with this credit reporting agency as well as the Equifax data breach. According to the Fair Credit Reporting Act all information on a consumer report must be 100 % accurate or else it must be deleted. I want the inaccurate charged off account deleted. It is no way they have verified this account as accurate. How did they verify and who did they talk to according to the Fair Credit Reporting Act? I am holding the credit reporting agency accountable in resolving the issue immediately.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ACIMA CREDIT, LLC (AZ)

I purchased wheels and tires from a noteable tire shop in XXXX XXXX. I used there credit option as the told my it was free to finance. I paid XXXX over the last 3 months of the XXXX amount. 
I should only have XXXX left to pay but they are saying I still owe over XXXX bucks for a total cost of XXXX and now they are trying to call it a lease?? I never signed a lease. 
How could they charge me over XXXX extra in interest? None of these final charges were ever given to me when I signed up for this. 

The Company is Acima Credit. 
Account XXXX
Consumer complaint received 2022-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX I am Chase bank customer I had my Younger brother in XXXX last year I made a wire transfer to him for his college fees that was from the bank which he received. this year I made a wire transfer from my phone it was made to an investment account which was under his name but that account was no longer in use so I have transferred my money to that account but it is it was not received to him now my bank is trying to recall the money but the recipient bank in XXXX they said they didnt receive the money so I am curious where the money went I would like to have my money back in my account so I can transfer again to my younger brother. I have already tried to contact my bank they say they are processing, Its been XXXX  days now but I am getting out of time and I really need to give my money to my brother.
Consumer complaint received 2022-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to Equifax ( tracking # XXXX ), XXXX ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( Equifax ), XX/XX/22 ( XXXX ) and XX/XX/22 ( XXXX ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!
Consumer complaint received 2022-11-28
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. (FL)

XXXX- Incorrectly showing balance due and there was a late payment in XXXX. This account was never late and was PAID IN FULL/Closed by consumer in XXXX of 2022. I've made multiple written requests to validate the late payment and/or balance due and it has been more than 60 days with no response. I've attached my XXXX bank statement as evidence of payoff. Please update this account to a {$0.00} balance, never late or delete the account in its entirety.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On XXXX I was incarcerated and was not released from prison until XXXX. During my incarceration over {$1500.00} was taken from my chime banking account I contacted chime to dispute these charges as well as filing a police report. I sent chime all my incarceration papers showing I was indeed incarcerated and was not the person charging my debit card. After less then 6 hours chime denied my dispute. I feel chime didnt investigate my claim or take it seriously. I will provide you with all the same info I sent to chime. Including a police report number. My parole papers. Jail records and court documents. I was clearly unable to make any charges on the account. 
Thank you.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

ERC # XXXX XX/XX/XXXX {$270.00} XXXX # XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX # XXXX {$240.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$2400.00} THE FOLLOWING ACCOUNTSARE FRAUDULENT PLEASE DELETE
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CO)

The debt is from XXXX XXXX XXXX XX/XX/XXXX, it was originally turned over to XXXX XXXX. I asked for a total and final amount for the services rendered by XXXX XXXX so I could negotiate a settlement with XXXX. XXXX kept sending bills that no one, including an attorney I hired, could make sense of their accounting. I wanted this settled so I asked for XXXX to receive the total settlement amount from XXXX, which I then paid in full on XX/XX/XXXX. I have a letter dated XX/XX/XXXX, from XXXX XXXX which I will attach stating, " This letter will serve as confirmation the XXXX will consider the attached referenced accounts as settled in full. '' My complaint is on XX/XX/XXXX I received in the mail another random bill stating I owed {$530.00} ( - ) Credited Amount of XXXX (? ) = Total amount owed {$250.00} (? ). This current debt was during the period of XX/XX/XXXX which is exactly the time frame of the settlement I paid in full with XXXX for a final settlement. XXXX XXXX was asked by XXXX to provide the total amount prior to me settling this debt, and I have no intention of paying any more on this matter which has been settled in full.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

I received a letter from Wells Fargo Bank stating that they couldn't verify my identity to open up a new deposit account that the information was submitted online. I never did this I never submitted the application online didn't try to open any account with Wells Fargo.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

Early in 2022, I noticed an issue on my XXXX credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in XXXX of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to XXXX to rectify the issue and received a response on XX/XX/ 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the Apple Card by Goldman Sachs, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with XXXX. This was done at least XXXX times. I have also called the Apple Card by Goldman Sachs line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.
Consumer complaint received 2022-09-19
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. (GA)

I recently pulled my credit report. Equifax stated that they fixed this issue with my report. I have a score with XXXX and XXXX but not with Equifax. On my Equifax report, there is no accounts or score on my report. Nothing is being reported. I also contacted all of the creditors and they are reporting all of my accounts. My credit profile with XXXX is blank which is incorrect. As a result, this gets me denied when applying for a credit line.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

XX/XX/22 - unauthorized money transfer from my paypal cash balance in US dollars to XXXX dollars XX/XX/22 - money was transferred back to US dollars and I lost XXXX due to the loss in the currency exchange rate XX/XX/22 - I opened a case with paypal. While on the phone the rep said he sees this is unauthorized and I will get the difference back into my account in XXXX hours XX/XX/22 - I call to close my account. The rep dissuades me and tells me I can speak to a supervisor. Then he hangs up on me. 
XX/XX/22 - I call 2x, waste 21 minutes with rep stating he's going to get it fixed. He comes back on the line after being put on hold multiple times and says they will give me a credit voucher on my account to use for my next purchase. I explain that is unacceptable, I had a cash balance and they are violating their contract agreement with me by not restoring my cash balance in full after finding in my favor. I tell him I want to escalate to a supervisor. I get transferred to someone in a large, very very noisy crowded room and the person who picked up doesn't say one word. I keep yelling over the noise for the person to go somewhere quiet so I can hear and again, not one word is spoken. 
XX/XX/22 - I call 3x, spend 40 minutes with a rep who says he fought it out with his supervisor and I will get the cash balance restored to my account and a confirmation email by the end of the day. 
XX/XX/22 - no confirmation email, cash balance not restored, I attempts to close my account and they are prohibiting me from doing so and I am filing appropriate federal and state XX/XX/22 - I am now on the phone for 83 minutes and 22 seconds as I write this. Just to close my account. Paypal is trying to force me to link a bank account which is against the law as well as against the Paypal contract and agreement. 34 times now with two reps I have tried to get a paper check sent to me which is a viable option that they offer. When I go to do that, it says there's a problem with my address. There is not. It is the same address I've had with my account for years and used to buy/sell without issue. This is deliberate to frustrate me into giving them my financial information.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

Collection Agency Hunter Warfield is attempting to collect an alleged debt from me in the amount of {$1500.00}. This has been going on since XXXX of XXXX. I have received several letters and numerous phone calls from them. 
I responded to them in writing several times by certified mail explaining that this is an unverified debt. They never investigated my concerns, only attached a copy of the lease from the original claimant XXXX XXXX. 
They say this verifies the debt and case closed. 
This case originated when we signed a 3 month lease for an apartment with XXXX XXXX. They were paid in full. 
I am attaching documentation explaining in detail all the events that occurred which led up to the fraudulent charge by XXXX XXXX. I am also attaching a copy of the UNIFORM ELECTRONIC TRANSACTIONS ACT ( XXXX ). XXXX XXXX violated this law when we signed the lease electronically. They inhibited us from printing or saving a copy of the lease for review. This illegal policy by XXXX XXXX led to a misunderstanding between the two parties. XXXX XXXX renewed the lease automatically without our knowledge or approval resulting in a fraudulent charge of an additional months rent. XXXX XXXX refused to resolve the issue in a fair and business like manner. They only threatened us with a collection agency and here we are
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MA)

Discover card implemented their payment protection program to my account without my knowledge or concent. Over the last XXXX years i suspect there has been close XXXX XXXX dollars charged to my account based off XXXX cents for every XXXX dollars of credit i have been rewarded. 

Dates and times for the past XXXX years are displayed in the attachments below. I was not able to go back more than XXXX  years in account history at this time. 



" Federal regulators conducted a year-long investigation into telemarketing and sales tactics used by Discover agents that misled consumers into paying for credit card add-on products they thought were free. These services included XXXX XXXX tracking, payment protection, identity theft protection and wallet protection. 

Discover card customers who were charged for XXXX or more of these products between XX/XX/XXXX and XX/XX/XXXX will be eligible for a refund based on the products they purchased and how long they held them. 

XXXX regulators said customers will receive a notice of the Discover settlement from Discover Bank. ''
Consumer complaint received 2022-11-27
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. (UT)

XXXX # XXXX account errors as follows : 1. payment history for 2 years when there was no payment history past XX/XX/XXXX which was the last payment date. 

2. shows " paying as agreed '' when the account was closed in XX/XX/XXXX. 

3. the fact that there is payment history showing for XXXX that skips XXXX and completely ignores the fact that there has been no activity since XX/XX/XXXX but shows activity for XX/XX/XXXX when the account was closed in XX/XX/XXXX is completely and utter errors of Equifax XXXX
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc (ID)

I have a credit card with BlockFi, which issues rewards via XXXX XXXX Since using the card, I've accumulated XXXX XXXX or ~ {$640.00} in rewards. Per the terms, these rewards become my asset/ I have individual ownership once issued. 

The problem is, BlockFi recently stopped all withdrawals and has now filed XXXX XXXX -- I can not collect my rewards. They say this meets their terms, but if I own the rewarded XXXX, aren't they breaking those terms by refusing to relinquish my asset? 

Since they won't let me withdraw my rewards and I believe are breaking the agreed terms, what protection do I have? I owe {$5700.00} on the card and have removed automatic payment. Can I legally stop payments without penalty while disputing this issue? If I do need to continue making payments, can I leave the equivalent reward balance unpaid on the credit card without penalty? 

What protections do I have here?
Consumer complaint received 2022-06-06
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 XXXX XXXX XXXX Acct # XXXX and 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 an account without my written instructions This account also shows inaccurate information as it is reporting 2 different kinds of account number.
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2022, I initiated a request to redeem of {$500.00} of my " cash-back '' rewards. 
The {$500.00} was to be transferred to my checking account. 
On XX/XX/XXXX, my credit card account showed that {$500.00} was redeemed from my " cash-back '' rewards. The problem is that my bank never got the {$500.00}. 
I have checked with my bank many times ( up to today XXXX XXXX ) and there has been no record of the {$500.00} credit to my checking account. 
I have contacted the credit card company ( BARCLAYS ) many times by phone and by regular mail and have never gotten a satisfactory response. 
I was able to determine that the transfer was ( or should have been ) via ACH transfer. 
I think that BARCLAYS should be able to access the transactions Trace ID. There should be two Trace IDs the source ID and the destination ID. I can not get anyone at BARCLAYS to start a trace for this transaction. And they will not give me any " proof '' that the ACH ever happened.
Consumer complaint received 2022-06-06
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. (TX)

In Accordance with the Fair Credit Reporting act, XXXX  account name XXXX XXXX, including Account # XXXX, 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 2022-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I was acquiring a service from a vendor that required payment on Paypal. On XX/XX/XXXX, the vendor asked for a 50 % deposit corresponding to {$75.00}. After I made the payment, the vendor indicated that the money was on hold by Paypal and issued a refund to me. And demanded the {$150.00} full payment. I paid the {$150.00}, and the {$75.00} was never refused. Paypal doe not offer a dispute process, and when I reposted a problem, they closed my case, indicating the transaction was exemplary. The amount on the statement reflects as XXXX ( XXXX fees ).
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC (CA)

Hello just to let you know all this is a misunderstanding all this is not my debt I have a car XXXX under my name and I sold it ( I summited all paperwork on XXXX XXXX and I signed my bill of sale ( I done everything on my end ) but seems like for some reason this car was under my name still? 
I called many time but they keep asking me for the owners paperwork but since I sold the car already I did not have it also the car was sold by the XXXX and did " not received anything? 
and now I owe XXXX? 
this is not fair and I don't have the money to pay
Consumer complaint received 2022-09-19
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: PNC Bank N.A. (AL)

I contacted pnc bank And the three major Bureaus, XXXX XXXX, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC