davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX my in-law sent money to me via PayPal from XXXX in the amount of $ XXXX. I received an email from PayPal notifying me of the transaction and the amount that was sent. I went to the PayPal website and my account to accept the payment and noticed that the amount stated by PayPal to deposit into my bank account was {$480.00}. I automatically assumed the reason for the deduction was because the money was sent from another country and international transfer fees were taken out. But on XX/XX/XXXX, my in-law sent me $ XXXX and when I was about to Accept the payment, the amount to deposit into my account was $ XXXX. This time, I contacted PayPal to ask why I was being charged the fees as opposed to the Sender and that is when I learned that the fees being charged to me was for goods and services. I then explained to the Rep from PayPal that I was not selling anything and that the money that was sent to me was owed to me by my sister-in-law. The Rep explained to me that an option had been given to my in-law to select whether the payment was for a Friend/Family or Goods/Services. I then reached out to my in-law to inquire, and she stated that this option was not given to her. I then explained to the PayPal Rep that the money was sent from XXXX and in response I was told that PayPal in XXXX is on a different server which could not be accessed in the US. I then requested to speak to a supervisor. The supervisor basically explained to me about the same options that should have been given to my in-law and when I told her that it was sent from another country, she in return lied to me by stating that she was on the XXXX PayPal site and the option was available. I then contacted my in-law again. This time, she shared a screenshot of the PayPal transaction which gives no options but only shows a Goods/Services message which is pre-selected, and no other option was shown to be given. I explained this to the supervisor and requested to speak with upper management or to have my complaint escalated and she told me that there is no one higher than her and there is nothing that could be done about the situation. I then thanked the supervisor and requested her name and any other information that I could include in my formal complaint which I would proceed to file. So basically, I have been robbed by PayPal for the total amount of $ XXXX. I was being charged a fee for goods and services in which I was not selling either of the two and the money that was sent to me was owed to me by a family member. It is unfair that not only was I robbed by PayPal but also lied to and misinformed by a PayPal supervisor. I would like for PayPal to refund the amount which was taken from me and I will make sure that PayPal will NOT be the payment method used for any similar transactions such as this one.
Consumer complaint received 2022-01-22
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. (GA)

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to Equifax, XXXX, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Consumer complaint received 2022-01-22
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. ()

I have filed numerous disputes with equifax in regarding them reporting inaccurate data on my credit file damaging my good name and they have ignored my request to fix the problem. Here are a few of my dispute that's gone unanswered XXXX dated XX/XX/21. Dispute XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Those are a few of my many disputes. I spoke to many representatives of equifax they have Launched atleast four investigations and escalated my disputes numerous times and still nothing. It's almost like equifax doesn't even have communication with the creditors and they don't verify information they are posting to your file. I have attached proof for them to correct the inaccuracies and they ignore it.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (PA)

Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX
Consumer complaint received 2019-12-31
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. (MN)

I have contacted XXXX, equifax, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' Equifax has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.
Consumer complaint received 2022-11-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (DE)

I was able to take a look at my consumer report. I have found that Carmax Auto Finance are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Carmax Auto Finance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Carmax Auto Finance is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Carmax Auto Finance has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (NJ)

Numerous accounts reported on all three credit bureaus that I do not recognize. I have alerted all XXXX credit bureaus of this activity. Equifax refuses to remove .Please remove.
Consumer complaint received 2022-01-22
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. (LA)

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX  XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX XXXX  XXXX ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I have a balance transfer balance not due until XX/XX/22. Without me asking, in XXXX, they began a " deffered interest rate '' on new purchases until XX/XX/22. When I made payments, they credited the balance transfer balance vs recent purchases. This gave me less time on my balance transfer balance! I submitted messages & made phone calls but they still wouldn't fix it. I felt this was all illegal and wrong and closed the account. I attempted another try via message. Finally somebody listened and reallocated the payments. However they then charged me a balance transfer fee! I called and the lady said she agreed it was wrong and they were having problems with their system crediting payments to wrong promotions etc etc. She would submit a request to reverse the fee. It may take 2 billing cycles! 
I have excellent credit and pay close attention to this stuff. I know others do not and they are being scammed without knowing. I really feel an investigation is needed into this company 's practices.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 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 2022-10-01
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. (IL)

On XX/XX/2022 I sent the XXXX XXXX XXXX EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report. 

the XXXX XXXX XXXX stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer. 

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report. 

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account
Consumer complaint received 2022-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

My Citibank online account is locked recently. I tried to reset using " Forgot Password '' feature on citi.com website. I entered all the information ( credit card number, date of birth, social security number, secret word etc ) correctly, but I saw the same error " Account Locked '' multiple times. I called customer service number, and they are asking me for the debit card or savings account number. I don't have any of them at this time. I opted for online statements and never downloaded any statement. I lost the debit card and never used it for any transactions. The agent suggested that I visit a near by branch to order debit card again. But, there are no Citi banks in Texas ( I currently live in XXXX area ). There are no other options at this time for me to unlock my account or order the debit card. I requested them multiple times on the call to provide alternate options and I am ready to upload driver license, social security card, and share Citi credit card details ( the online account is linked to my savings and credit card accounts ). But, the bank wants only debit card or savings account number. I don't have that info and I have no way to get that info unless I travel to a state where Citi bank branch is present. This is unacceptable because they have no way to help customers in states where there are no branches.
Consumer complaint received 2016-06-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.
Consumer complaint received 2022-11-17
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. (MT)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. The thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

The issue started in XXXX when I opened my business account and chase would send emails and call my girlfriend at the time with information regarding my account and disclose PII ( Date of Birth ) to her clearly breaching my accounts security. I was able to resolve this with the branch, but now we opened a joint checking account together and her parents are now receiving info despite not being associated with the account. Then on XX/XX/XXXX we noticed a {$40.00} withdrawal from our account for a credit card we do not own. Clearly being fraud we spend XXXX hours on the phone with chase just to be told to go to a branch. We went to a branch that same day XX/XX/XXXX and were essentially told they would not do anything and to just wait until Tuesday when the manager came back. We could not risk more funds being taken so we called in and waited XXXX hours to speak with the fraud department in order to freeze the account, and were told to visit a branch Tuesday to withdraw our funds. We did so and were greeted again with aggressive behavior and told to call customer service or come back another day. We tried a different branch in XXXX today to try to access our money as we are now late on XXXX credit card payments as we have no access to our money, and the manager on duty XXXX was so rude that she literally would not accept our ID or offer to help in any way and even went as far as storming off after speaking to us in an extremely condescending manner. Luckily we video taped the encounter as this feel like chase is attempting to steal our funds and likely has no intent to return our money.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. 

I have also disputed the item on my credit report.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.
Consumer complaint received 2022-01-22
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. (GA)

I have been trying to get this fraudulent information deleted from my Equifax report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.