davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. 

All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. 
For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter.
Consumer complaint received 2021-10-31
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for a {$250.00} deferred minimum payment grace period on our Citi credit card ending in XXXX. 

We have not received the {$250.00} payment deferment as promised for XX/XX/2018 that is due by Monday, XX/XX/2018 per Citi Irma Relief at XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2021-01-21
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. (NJ)

XXXX, XXXX, Equifax are blocking me from seeing my real credit report. I already hired an attorney and he found mortgage and bankruptcy on my social security number. The attorney sent dispute letters and all they did is send the same false credit report to me which is very confusing. The real credit report they never provided. It's locked up because they say everytime that they can't identify me, but I already provided my documents to them, but they ignored that.
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (PA)

Stimulus debit card. WHY did the government do the debit card? How much is this costing to use this service? WHY do I have to pay to get my money from this card? WHY do other people get a check? This is not constitutional we are not being treated equal. I'm going to pay {$10.00} to get cash. I will have to make 3 trips to the bank because you can only take out {$1000.00} out at a time and since they were stupid enough to put my husbands name on he has to go to the bank 3 times with me to do anything with this XXXX card. I get social security and so does my husband why did we NOT get a CHECK. ( direct  deposited ) They said we would receive a check, whey in midstream do they change to cards? I want to go to the bank and get my money, just like the people that got checks. I don't want rules and hoops to jump threw to receive my money on their terms. WHO is related to someone at this business? Who is benefiting from this transaction at the other end of my information that they have released to them. I never gave permission to them to give out my information. They think this is safer, are they crazy now someone else has our information. HACK!
Consumer complaint received 2020-08-27
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. (PA)

There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.
Consumer complaint received 2020-08-27
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (TN)

Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to  obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MD)

There are three debt collection company that I am paying and paid in full. 
1. I contacted Vance and Hoffman with 30 day to setup payment before 30 days notice. Please remove from my credit reports. 

Debt collection - paid in full from XXXX XXXX I contacted to make payment arrangements before going to debt collection. I should have not been reported to the bureau 's. This should not be a charge off. 

XXXX  XXXX : I paid over the amount requested to XXXX  XXXX and debt collection. This is not a charge off. Please remove from credit report because of inaccurate information being reported.
Consumer complaint received 2018-07-05
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. (GA)

I had an account with XXXX XXXX XXXX  ( account number XXXX ). This account was charged off. The first delinquency was prior to XX/XX/XXXX. I disputed this with the creditbureaus and Equifax left it on my file. Even the last activity date reads XX/XX/XXXX ... and though that does not represent the last payment date ( which was earlier ), it still falls within the credit bureau guidelines for using 6 years and 9 months for obsolescence periods.

I WANT THIS REMOVED AS PROVIDED IN FEDERAL LAW.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

On   XXXX   XXXX  ,2017 I received a letter from US Bank regarding my {$300.00} secured pre paid credit card ending in #   XXXX   that was a requested to be closed down several months prior both verbally and in writing before the balance that the credit card had in secured funds had reached its limit. US Bank is reporting a balance owed of {$160.00} that is over the {$300.00} secured credit card limit and US Bank continues to accrue interest on an account that closure was requested and now derogatory credit is being reported
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (WA)

There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MS)

I looked on my credit report and noticed that I had a debt of {$2800.00} a debt that I never had any idea I owed the company that put this on my credit report has never written me nor called me. This information is incorrect the last letter I got was a bill for {$32.00} so now I have another bill that I have never received the company closed down and I have not heard from them since. I am disputing this bill for I have never received any verification other than {$32.00} I can not pay a bill if I have never received it I request for this account to go back to the original creditor and to reverse this charge as debt created with no notification to pay it how can anyone pay something when I never received the bill.
Consumer complaint received 2022-10-04
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. (TX)

Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (VA)

I have had no communication with this collector. I received a notification via XXXX XXXX that there was a new collection on my account. I disputed and reported the account to CFPB. This company is engaging in shaddy collection practices. This is the second time they have place this debt on my credit report but have not provide verification.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (MI)

TCF demands that you have an account with them now to cash a check drawn on their bank ( more specifically, a former Chemical Bank location using old Chemical Bank checks ). 

If it's a check drawn on the bank, you shouldn't have to have an account with them or have them keep your funds for 24 hours before releasing to you.
Consumer complaint received 2020-08-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

I apologize for the delay in my payments.the financial stress have caused me to fall behind in my payments.as your records indicate I have been a excellent customer with a good payment history until the economy to a dive.i enjoy being a loyal customer and would greatly appreciate it if you give me another chance by deleting the 90 day late payments on XXXX,120 day late payments on XXXX late payments on XXXX120 late payment on XXXX120 day late payments on XXXX120 late payments on XXXX120 late payments on XXXX120 late payments on XXXXthank you for taking the time to read my letter.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (WA)

XX/XX/XXXX the XXXX  account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX  whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX  first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX  placed it in collections a month after under my name.
Consumer complaint received 2020-08-26
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. (WI)

Despite open disputes between XX/XX/XXXX and XX/XX/XXXX written and certified documentation has been forwarded to all three credit bureaus about a past creditor, ( Macy 's ) department store revolving charge account who reports a past due charged off amount of {$4400.00}. My attempt to amicably resolve this issue has failed ; in accordance with the Fair Credit Reporting Act section 616 and  section 617 if the items are unverified, they are required to be deleted immediately. According to FCRA, physical verification of the original signed consumer contract is a requirement before credit reporting consequently I have demanded to see their verifiable proof, ( an original consumer contract with my signature on it ) the creditor has refused to furnish appropriate debt validation ( see attachment ). XX/XX/XXXX, I spoke to a manager and Macys 's  representative listed on my bureau report file who verified Macy 's original creditor is XXXX, XXXX XXXX XXXX XXXX and the account was sold in XX/XX/XXXX and no further collection activity is optional. Despite my repeated request to date I have not received any " verifiable proof '' of this debt from the original creditor or collection agency. Because the account is sold any creditor ( s ) is obligated to adhere to the same statues described above to avoid violating my rights as a consumer.
Consumer complaint received 2022-08-05
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: DISCOVER BANK (IL)

i was charged XXXX for XXXX credit report on my credit card, i sent XXXX a letter in XX/XX/2022 to cancel theses services and called the companies phone number last year, got a computer voice that asked me to enter my social security number and said i was not a member, i sent my credit card company a copy of the letter they started a dispute and said it was insufficient, i thought sending a letter asking XXXX to cancel was good enough.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IN)

In response to both Wells Fargo disputes and results for case- Wells Fargo case number : XXXX Consumer Financial Protection Bureau XXXX case number : XXXX, and- Wells Fargo case number : XXXX Consumer Financial Protection Bureau , case number : XXXX. 
The 2nd letter and apology for " misinformation '' does not simply remove the fact that my rights were violated, under FCRA law. It also does not remove the fact that this is still reported INACCURATELY. Also a violation of my rights, which is the purpose of the dispute in the first place. The first date of delinquency is changed, but I am uploading a photo of my paper copy of credit report dated XXXX XX/XX/XXXX XXXX, which clearly shows Wells Fargo reporting payments made for the month of XX/XX/XXXX, and XX/XX/XXXX, and not going 30 days late ( delinquent ) until XX/XX/XXXX. How is this possible when the statements from Wells Fargo clearly state that my account was past due/first date of delinquency for statement dates XX/XX/XXXX - XX/XX/XXXX? This is clearly a case of being more than " misinformed ''. It is inaccurate information reported to my consumer credit reports. Not only re-aged, to negatively effect me, which is illegal, but also INACCURATE. Under FCRA law. All information reported must be 100 % accurate, or not reported at all.
Consumer complaint received 2021-01-21
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2020-08-26
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. (MO)

First, XXXX XXXX submitted a hard inquiry on my credit report for a mortgage pre-qualification. There was no offer of loan, and no loan was obtained. The pre-qualification was only going to be a soft inquiry, as confirmed by the bank when we spoke via phone. However, they incorrectly submitted a hard inquiry on my account ( through Equifax ). 

Second, XXXX XXXX XXXX XXXX was the lender we used for our home purchase. We authorized a hard inquiry on XX/XX/XXXX for the mortgage underwriting process. They were going to use a soft inquiry before closing to confirm no changes had taken place. However, Equifax shows a hard inquiry requested from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX insists they only requested a soft inquiry, XXXX XXXX ( credit check company ) confirmed on their end that only soft inquiries were provided on XX/XX/XXXX and XX/XX/XXXX. Equifax still reports them as hard inquiries. Equifax stated I needed a confirmation letter from the lender ( XXXX XXXX XXXX ) to confirm the credit pulls should only be soft inquiries. I obtained such letter and submitted it to Equifax with a formal complaint. Equifax denied the complaint stating the information on my report was accurate, despite me providing the exact evidence they themselves had instructed me to provide to them to resolve this dispute. And here we are! One mortgage loan, 4 hard inquiries on my credit. I have 3 companies ( Equifax, XXXX XXXX XXXX XXXX, and XXXX XXXX ) all pointing fingers at each other, but I am stuck outside the loop with these unauthorized inquiries that are having a negative impact on my ability to obtain credit.