davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has violated my rights! 

I have disputed this account with Equifax several times and I am now ready to sue. 

Account XXXX XXXXXXXX XXXX I spoke with an XXXX XXXX agent and they agreed this account should no longer show on my credit report, but Equifax STILL shows it! 

Also : there are inaccuracies on this account that carry a {$1000.00} fine each! 

Last Verified Date -- None reported? Does NOT match XXXX or XXXX! 
Date of Last Activity -- Does NOT match XXXX or XXXX! 
closed Date - None reported? does NOT match XXXX or XXXX! 

Each error carries up to a {$1000.00} fine against Equifax in court. 

I demand in my legal right that this account be deleted from my report!
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

PayPal Merchant XXXX I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine After that i get notified that my account has been permanently limited I immediately contacted the XXXX office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back
Consumer complaint received 2022-09-23
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: CITIBANK, N.A. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-09-23
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX  ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MI)

1- on XX/XX/XXXX, i initiated a wire transfer of {$2500.00} usd from MY Citibank US checking account to MY Citibank XXXX account ( now XXXX, but still supposedly administered by Citi ) ; 2- for unknown reasons, it never arrived ; 3- after ~ a week, i directed Citi to recall the money back to my Citi US account ; 4- around 15 days ago, CitiUS advised me that my money HAD BEEN SUCCESSFULLY RECALLED but that it would take 4-5 days to be returned to me because of accounting procedures ; 5- now, 27 days since Citi took possession of MY money, IT STILL HAS NOT BEEN RETURNED TO MY ACCOUNT despite daily calls, messages, emails to the CEO, etc. 

6- i am XXXX XXXX XXXX XXXX XXXXn XXXX for XXXX XXXX years, & i need this money! can you please LIGHT A FIRE UNDER CITIBANK!? 

( Ref : XXXX XXXX ) sincerely, tbc
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TX)

I have been closely following my credit reports because I am actively trying to raise my credit score to be eligible for better interest rates. In XX/XX/2022 I received an unsolicited request to apply for a home loan on Credit Karma. I promptly asked them to cease and desist sending me unsolicited information of this type and asked how they got access to my credit file. Credit Karma answered back and said I had filled out a profile on their website. They have a feature to create a profile to make comparsions with other products but I did not in anyway apply for anything or gave them permission to check my credit.. Next thing I know they sent me a denial letter. Shortly afterwards my credit score dropped by XXXX points for no reason ( I had it analyzed by an attorney ). I called XXXX directly and they had no answers.The lawyer said they couldn't help because the report I had available was from Credit Karma and not directly from XXXX. 

I called XXXX today and was informed that I could get a report but not a credit score and that would cost me {$9.00} to get. 

I am amazed at the casual response and careless mishaps ( such as this ) could happen within a group that controls how we flow in society. Our credit score is front and center in almost everything and depending on that number to have the ability to either exist comfortably or to struggle because of high insterest rates. or straight out be denied things.
Consumer complaint received 2022-09-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2020-04-17
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. (MD)

THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AR Resources, Inc. (MD)

I attended XXXX university and they did not allow me to use my financial aid when I went. I was supposed to get a scholarship and do not think I got that. I also did not have an option for a payment plan. Instead, my bill was sent to collections and I cant get my transcript
Consumer complaint received 2022-11-19
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: Paypal Holdings, Inc (VA)

I purchased an item with my PayPal XXXX on XX/XX/22 for {$110.00} Transaction ID XXXX After going back and forth with the seller for a month, the product never arrived. I requested a refund from paypal because the item never arrived. There was supposed to be a signature required with delivery. No delivery or signature. 

On XXXX I requested a refund due to fraud. The website says it will take XXXX business days. 

On XXXX I provided additional information Paypal will not refund my money. XXXX and XXXX said it would take a month. XXXX then said XXXX days. Now XXXX says it will take up to 90 days. 

This is obvious fraud by the seller and Paypal is letting the get away with it by not refunding my money. Will you please help me get my money back? Its now 12 days since I notified them that this is fraud and they still haven't returned my money.
Consumer complaint received 2022-09-23
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. (IL)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, I believe it was reporting in error. Here are the list of accounts that I want to correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, KIA MTR FIN XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX 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 : XXXX/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 CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SELF-REPORTED XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-09-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-06-08
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. (PR)

I am requesting a mortgage loan and the loan officer states that Equifax has my report frozen. I have screen shot proof from the loan office. Called Equifax and they said that the credit is not frozen on their behalf and that there is nothing they can do. The loan office tried a second time and the error remains can someone help me. 
I can send in proof.
Consumer complaint received 2022-06-08
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. (ME)

In accordance with the Fair Credit Reporting act 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 2022-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SD)

I bank with XXXX XXXX XXXX in XXXX XXXX, South Dakota and I sent XXXX to the XXXX XXXX XXXX citibank location on friday, XX/XX/XXXX for a vehicle that was never delivered. The customers website was XXXX and the beneficiary name was XXXX XXXX XXXX. Their account number is XXXX Routing number is XXXX Reference number is XXXX
Consumer complaint received 2022-07-03
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: JPMORGAN CHASE & CO. (FL)

My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (WA)

I have just found out, after realizing that I have been paying interest on my credit card purchases for 2 years, that Wells Fargo has changed my credit card from a student card to their charge card in XX/XX/2020. The new card was sent to me around the expiration date of my previous card making it seem that the replacement was just for that reason. When calling to activate the card, I was not informed of the change, and the call proceeded as any replacement card activation. When I called today to resolve the issue, the banker on the line informed me that the bank has rather discontinued their student credit card at that time, and instead has just switched me into their charge card, and that given that they have sent me a letter with this information and that since I have activated my new card I have provided the bank the approval to the switch. Two years after the switch, I was actually informed of it, which if anything is a form of fraud. 
This was not my first encounter with the fraudulent banking system of Wells Fargo, but similarly, I was never informed with my right to opt out of overdraft fees when signing up for my checking account with them, but rather, the banker made overdraft fees sound as a part of the contract that I had to sign on. Even when I previously complained in person and over the phone about their multiple overdraft fees, I was never informed of my right to just opt out. I have recently closed my checking account with the bank when a banker with XXXX explained this to me as I was inquiring about opening a checking account with them.
Consumer complaint received 2022-09-23
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. (NY)

Reason- I've asked XXXX, XXXX XXXX Equifax to take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX, I sent money to a XXXX account that was hacked and the original owner of the account didn't know till I called him. But I sent {$1.00} and then {$49.00} and the hacker asked for more ( {$50.00} ). So I sent it thinking it was my friend and then, the hacker proceeded to ask for {$100.00} more and I sent it. And then again, more, so I got suspicious. I called my bank and they couldn't stop the transaction becuase XXXX XXXX  and chase to XXXX totally different things. It was pending still, so I asked if they could just cancel it. But long story short they couldn't help me and neither XXXX online help center couldn't.
Consumer complaint received 2022-12-03
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: Self Financial Inc. (PA)

15 USC 1681 section 602 states I have to right to privacy.

15 USC 1681 Section A-states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

152
Consumer complaint received 2022-12-03
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: Self Financial Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX