davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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 XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Equifax, XXXXXXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - XXXX XXXX XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX  Account # XXXX - XXXX XXXX Account XXXX XXXX - Equifax DP OF EDUC Account # XXXX - Equifax DP OF EDUC Account # XXXX - Equifax XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-11
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 ()

I am a XXXX XXXX XXXXr who works on a freelance basis with a number of companies such XXXX, XXXX, XXXX, XXXX XXXX. Majority of my payment were made via PayPal. And these were amounts within the {XXXX - {XXXX} range. 
However, on the XXXX of XX/XX/2021, I received a payment of {XXXX} from XXXX of these organizations, specifically XXXX XXXX, which was for tasks completed over the period of 6 months. Following that payment, I received an email from PayPal informing that after a review, they have decided to permanently limit my account due to potential risk. 
I immediately reached out to PayPal in order to have an explanation and, if needed, provide all the documents that may be required to justify this transaction. But they told me their decision were final and that my fund will be held for 180 days, without giving me any explanation. I have tried calling again and again, to no avail, my phone number has apparently been blacklisted. All the emails and messages to their support team on platforms like XXXX, XXXX were left unanswered.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NV)

I opened up my Ally Bank account this morning ( XX/XX/2022 ) at approximately XXXX am PST. My personal checking account was {$730.00} in negative, and my shared account whim I share with my partner was {$690.00} in negative, after calling Ally and speaking with a representative they told us there is a known issue where customers accounts are being double charged and they have no XXXX on when it would be fixed and there is no way for them to reconcile it. This is unacceptable, my banking institution should be trusted with my money. Its a wide spread issue and even after waiting on hold for XXXX they could not help me. So now Im stuck with very little gas and absolutely no money to do anything today, like get to work, drop off my dog at doggy daycare etc.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (WA)

On XX/XX/22 I mailed Citibank money transfer check for 0 % interest rate x 9 months to Citibank. The expiration date on that offer was XX/XX/22. I received a text message 5 days later asking if I approved a transfer to Citibank for $ XXXX. I approved it. On XX/XX/XXXX I received an email stating the check had expired before it reached them, but they processed it and had executed the transfer using the APR of 14.5 %. 
I called Citibank to contest itvand was told that the check had expired when they transferred it and I should have 'declined the transaction '. The initial text message included NO information about expiration date and 14.5 % APR. The agent told me that they had processed the expired check and that there was nothing I could do. I advised him that Citibank 's actions were illegal and he reiterated that there was nothing I could do.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2022-04-11
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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And Equifax. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Consumer complaint received 2022-04-11
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)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance EQUIFAX : XXXX XXXX XXXX I XXXX Balance {$0.00} XXXX : CXXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-04-10
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 Reporting act 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. 

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 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (SC)

Due to being a victim of data breach for EQUIFAX my paid services are suppose to be free. I noticed your company keep trying to charge me services that is suppose to be free. Also, the information reporting on my credit in regards to vehicles is false, medical information is false, I keep stating to update address and personal statement and have sent your company over 15 times in the last 4 years my Drivers License Social Security Card Copy of Birth Certificate all copies and your company always state you never received it. I still have USPS receipts where I would items requested for me and my XXXX kids and never get a response back from your company. Ive sent all the documents for me and my kids XXXX and yet still no response for the last 4 years. This is for EQUIFAX XXXX XXXX XXXX XXXX Ive disputed handwritten all companies. Ive sent EQUIFAX proof of all the distress and money spent behind their data breaches and yet to be compensated for everything Ive been through trying to recover me and my kids identities. Yall keep sending me the same information stating please send in proof of documentation that Ive already sent in 15 or more times. When trying to upload it it says an error. Me and my kids lost everything, not able to get housing, get a vehicle when needed due to all the things that was on my credit report from XXXX. Since XXXX EQUIFAX was suppose to compensate me for everything Ive had to go through and still havent been compensated for me and my kids.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I recently discovered that I am a victim of identity theft. Today, I attempted to request a copy of my Equifax report from the XXXX website. One of the last steps in requesting the report was to answer a set of 4 ( four ) questions to verify my identity with multiple choice answers. The questions were : Question # 1 : Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ) opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Above I chose " None of the Above '' because I do not have any installment accounts. 

Question # 2 : What is the total monthly payment for the above-referenced account? 
{$50.00} - {$99.00} {$100.00} - {$140.00} {$150.00} - {$190.00} {$200.00} - {$240.00} None of the above I chose " None of the Above '' because I do not have any installment loans. 

Question # 3 : Your credit file indicates you may have a student loan opened in or around XXXX XXXX Who is the provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Above I chose " None of the Above '' because I do not have any student loans. 

Question # 4 : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX of the Above I chose " None of the Above '' because I did not open a mortgage loan in or around XX/XX/2016. 

I then received the following message. I am typing it verbatim as is appeared to me : We have experienced an issue processing your request We-re sorry, we are unable to process your request at this time. Please contact our Costumer care Team at XXX-XXX-XXXX for additional help completing your request. The Costumer Care team is available between HOOP, DOOP. 

AGAIN The message I received is verbatim the way it was presented to me. I did not make any typo 's or mis-spell any words. The message spelled the word Customer as Costumer and the word We're and we-re and it actually said the Costumer Care team is available between HOOP DOOP. 

Please explain this to me. 

I may be reached by email at XXXX or by phone at XXXX. My name is XXXX XXXX. 

Thank you
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this CFPB complaint addressed the XXXX XXXX XXXX to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the XXXX XXXX remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA92552-8288 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

My credit limit was lowered from {$13000.00} to {$1500.00} at XXXX Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX XXXX XXXX to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. Experian, XXXX and XXXX. 
My XXXX score was XXXX and dropped down to XXXX overnight.
Consumer complaint received 2022-04-11
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. (NJ)

I personally Wrote to the credit reporting agency on my own behalf without the help of anyone or business. I did an investigation on my credit report which caused severe XXXX upon me and found inaccurate and questionable items that the reporting agency didnt make sure was reporting 100 % correct. please see attached document.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have two student loans which had originally been serviced by XXXX XXXX XXXX and XXXX ( or XXXX  ). The loans servicer was changed to XXXX in XX/XX/2020. My Experian Credit Report now shows the incorrect information. Rather than two loans that have been closed at XXXX and two loans still open with XXXX, it shows 4 loans open at XXXX. It appears that they have the correct information duplicated, as there are two nonexistent loans showing up with exactly the same information as the ones I do have. This is not correct and I have tried to dispute the issue multiple times without the duplicate information being removed. I also tried to contact XXXX, who confirmed they reported the proper record to Experian.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Attorney : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Reporting old debts as newer than they are ( re-aging ) and this has been disputed on serval occasion. The status of limitation has been reached and they just reopened the debts on XX/XX/XXXX as new debt and trying to garnish wages. 

Please see the below information : PORTFOLIO RECOVERY Opened XXXX {$380.00} PORTFOLIO RECOVERY Opened XXXX {$470.00} PORTFOLIO RECOVERY Opened XXXX {$2100.00} PORTFOLIO RECOVERY Opened XXXX {$2200.00} PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor XXXX OpenedXXXX XXXXXXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedMar XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$470.00} Open balance XXXX SXXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX  XXXX  PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor SNAPSHOT OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX A
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I am the victim of excessive fees on debits and charges. No matter when I make transfers to cover incoming charges or debits I get fee 'd. Most recently there was a debit and a preauthorized charge on XX/XX/. I made transfer to cover the XXXX and 25.ish charge and got hit with two fees today the XXXX of XXXX. I have made numerous phone calls to branch mgr that said she would help until we find out what's going on but, my calls are ignored.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (UT)

Immediate removal of all credit reporting for failure to send the notice of rights to dispute to my correct address. Resurgent capital sent a notices to the wrong addresses. All responses will be used to seek damages if need be in third district small claims court.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (NJ)

Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. 

Thanks, XXXX
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. (IL)

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s 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. REMOVE/DELETE off my accounts
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Attempted to obtain a free yearly credit report from Equifax six times today through their automated process. The process is made to be as difficult and confusing as possible and usually ends with their commercial, no further action, and a disconnection after about 10 minutes wasted on the telephone. I finally found a way to reach a live person by going through their ADA required feature. The first time I reached a live person I was told that their systems were updating and to call back, after spending over 10 minutes on the call. Please note that I was able to get a free credit report from XXXX  and XXXX   in less then three minutes. From this experience, I must deduce that either Equifax has some serious internal problems or worse, they are intentionally making it as difficult as possible to obtain a copy of your credit report as required by law.