davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Paypal refuses ton pay me the money that was paid to me for sellig on XXXX In XXXX of XXXX I sold an item on XXXX as I have done many times before and was properly paid for it trough Paypal. I shipped and the item was received by the customer and all good there. Now Paypal is refusing to release the money to me because my account is not in good standing with them due to identity verification issue. Paypal insists that I upload photo copies of my social security card via the internet which I refuse to do. I have offered to send any documentation they need via US Mail like all legitimate businesses in USA do but they refuse they even refused to provide me with an address that I can send correspondence to. In the past few years I have opened a few bank/credit card/loan accounts over the internet and nobody has asked that I upload photo copies of documents over the internet. All that said if my account was not in good standing why did they accept the payment on my behalf in the first place.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I have already paid into the deferment through wage garnishment. My loans have been on hold for forbearance but while on forbearance they were still sent to debt collection instead of remaining on hold. I am afraid I will not be able to get future education help with this still standing as is. I am planning on returning to school this fall is possible. I have been off work every since XX/XX/2020 from the COVID 19 ffcva with a family member that was left paralyzed and unable to care for themselves at this time.
Consumer complaint received 2022-08-23
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. (LA)

My name is XXXX XXXX XXXX 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 2018-05-17
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. (NJ)

My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.
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: WELLS FARGO & COMPANY (AK)

I was a victim of the XXXX XXXX breach of XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$6200.00} is not mine
Consumer complaint received 2020-04-01
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. (MS)

In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance
Consumer complaint received 2022-04-14
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. (PA)

n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

On XX/XX/21 I borrowed {$1200.00} from LoanAtLast. The effective date was XX/XX/21. My first payment was due XX/XX/21 & money was taken from me weekly at {$160.00}. The APR was not given to me until after the agreement was signed. I financed {$1200.00} at a 702.32 % APR. I paid {$160.00} on XX/XX/21, XX/XX/21 & so on, weekly. This is predatory lending at its finest and I am beyond XXXX this happened to me. I am young & I didnt understand what was going on.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MD)

I was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-04-14
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. (FL)

Hello, Ive sent countless letters to XXXX about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Crossroads Systems Inc. (TN)

I applied for a PPP loan with XXXX XXXX, a delegated company and was approved on XXXX and signed my documents on XXXX. my lender is capital plus financial llc, and i still havent received funding or an update on whats going on. XXXX still says active in-disbursed. idk what to do. im behind on my bills and cant buy anymore supplies that i need. This is the XXXX sent to my email. 
I need some major help getting funded there are people who just signed their loan last week and got paid today! I have been waiting since last month I signed on XX/XX/XXXX! 
My loan number is XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

To whom it may concern, I am contacting today because I am trying to make a payment on my mortgage with Wells Fargo. It has been nothing but near impossible to make any sort of payment. I have been avidly trying for 3 days now for hours to get through to somebody to make a payment to. 

I have tried calling in to make a payment, but hold times are easily over an hour. I have called multiple times now and each call has been over an hour long and I get through to nobody. 

They have revoked automated payment system because it is delinquent. So I am unable to call and use the automated payment system to make a payment. 

They have revoked online payment so I can not pay my mortgage online either. 

I have went to a branch, but they only will take cash or a check. I have been doing a transfer payment for 5 years now, and now they will not take it. I am unable to draw the {$1500.00} I was go pay from an ATM for obvious reasons. 

I, and many others, have been waiting endlessly on hold and getting nowhere. I have reached out to a branch, their twitter account that supposed to be for 24/7 customer support is not responding, the bank refuses to do a transfer. 

The options they have given me and all others is must pay cash or check, fill out a form to have them call you which will do no good because I will be in contact with a loan officer, they say to pay online or over the phone but you can't do that because of wait times and them locking people out of paying that way. 

Wells Fargo should not even be allowed to be in business. They say how they are working so hard to help customers out, but as far as I remember it they have been in front of Congress 3 times in 10 years for how they " help '' people. Like when they made all those bank accounts illegally in other peoples names, or helping cause the market crash in 2008, or even here in Colorado holding paperwork until it's late to hold the interest rate ransom. 

I am just trying to pay my mortgage and Wells Fargo is doing nothing to help, but everything they can to make it impossible to pay the bill. I personally think they want this to go over so they can just begin foreclosing and taking all the housing away from the people who actually keep the business going between bailouts they manage to get.
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 — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?
Consumer complaint received 2022-04-14
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)

I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Consumer complaint received 2018-12-17
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)

I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX 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 2022-04-14
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. (TN)

This is a re-submission of a complaint I made over 30 days to Equifax via this complaint process ( XXXX ). Equifax has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate Equifax to correct the problem. 

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX XXXX XXXX account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX  account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.