davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

I have a PayPal account, and tried to close it. When I attempted to close the account, I was told to call PayPal. I called PayPal, and they stated I was unable to close it, as they stated I had to wait 30 days to close my account. 

This is not correct, as I have a friend who was just able to close their account on Friday, the same day they wanted to close it ( they closed it through their app and even showed me their emails showing it was closed ). When I tried to close, I was told to call, I called, and then I was told I had to wait 30 days. I did not have any outstanding payment, nor was my account negative. 

Also, there was not a disclosure on their website stating I had to wait 30 days, and this is unfair. I think they are treating me this way since I am in my XXXX, and making it difficut to close, since they have a lot of people trying to close their accounts right now. 

I need help so I am treated fairly. 

I am filing a complaint with the Arizona Attorney Generals Office to try to get help from them as well.
Consumer complaint received 2022-10-10
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: GOLDMAN SACHS BANK USA (CA)

I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

In XXXX of this year I applied for credit with Conn 's a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being XXXX  in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I had lost my phone and lost access to my bank account and on my new phone i tried accessing my chase account and they said my account had been locked out so I called and they cut ties with me and I assume they added a early warning when i tried to open a new account, m.
Consumer complaint received 2021-08-15
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: Rocket Mortgage, LLC (MD)

An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at Rocket Mortgage. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. XXXX  immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my two children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. XXXX  is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like XXXX  does. XXXX  is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of XXXX, and help me to restore my credit score. Thank you.
Consumer complaint received 2021-03-12
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-10
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-10
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: SYNCHRONY FINANCIAL (MS)

Synchrony is reporting a incorrect credit score, XXXX, my score is XXXX. This company is creating hard inquiries on my credit, but advertising that it wont effect my credit, when in fact, it has.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

XX/XX/2022 Tried to make a deposit for a friend and the Teller asked AND required that I give them my ID. 
This will lead to Identity theft. 

At Bank of the West, XXXX XXXX branch. I complained to the Manager who wished me a " good day '' Took the deposit, unaccomplished, with me.
Consumer complaint received 2022-10-10
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. (FL)

I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2021-03-12
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. (IA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-28
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-10-10
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. (GA)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX as inquiries. Report # XXXX, XXXX, XXXX, XXXX. In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX Report # 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 an account without my written instructions.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/XXXX, I received an email from Mr. Cooper stating that they received the automatic payment on my mortgage. When I checked the amount withdrawn from my bank account, it was {$1100.00} higher than my previous mortgage payments. This additional cost caused my bank account to be overdrawn, resulting in overdraft fees. After reviewing my mortgage account online, I saw that escrow was added to my account without my approval. 
I called Mr. Cooper and spoke with 3 different representatives. I was NOT notified of the change in escrow to my account either by mail or email. I opted out of escrow with my previous mortgage provider and this should have remained the same when my mortgage was transferred to Mr. Cooper in XX/XX/2018, which it did up until the XXXX payment. Mr. Cooper did refund me the overdraft fees, but I am still waiting for the refund of the escrow in the amount of {$1100.00}. I was told it would be refunded by XX/XX/XXXX. 
Additionally, Mr. Cooper paid my school taxes in XX/XX/2018 without my permission. At that time, I called to explain that I pay my own taxes and I had opted out of escrow, and I did not send them the tax bill so I was unsure how this could happen.
Consumer complaint received 2019-01-03
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. (AR)

XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Upon opening this account, it was understood that my account is an interest free account. In the very beginning, I was notified of the payment due date and immediately informed them that this date would not work for me. They agreed on a new date that was honored by both parties. I began submitting payments on the new agreed upon payment due date. I then received a late fee that was reversed. The next month, the payment was made XXXX  day prior to the due date and they charged another late fee. Even though they were aware of the date change, the fees from this point continued to add to a current three digit amount even though I have never been late nor have I missed a payment. Upon trying to resolve this issue, the personnel that I spoke with all said the same thing. I was told there was nothing they could do after the fees reached a three digit figure unless I spoke with a Vice President ( VP ) in which I did but even they were duplicating what was previously stated to me. Before our conversation could conclude, I had to cut it short due to commitments at my place of employment. I told the VP that I would call them back to conclude our conversation but after several attempts, my calls went unanswered. I then decided to contact Consumer Finance Protection Bureau for a possible solution or resolution. I have no intentions of paying them anything other than my agreed upon monthly payment. This account started in XXXX of XXXX, my scheduled payment amount is XXXX due on the XXXX of the month.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX XXXX I am a consumer whose personal, family, and my family household was affected by Equifax Data Breach FDCPA 15 USC 1692 ( a ) ( 5 ). Over the last two years or more when I pull my credit files as I was being harassed and abused.15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) by debt collectors claiming I owe a debt or applied for different credit. while I pulled my credit file I see derogatory marks and low scoring on my file ( unjustified ) which affects my household. Equifax failed to do a proper investigation of FDCPA 15 USC 1681 ( a ) ( 2 ) ( 3 ) ( 4 ) ( b ) ( a ) ( c ) ( d ) ( 1 ) ( c ) ( e ) before placing such negative remarks as well as creating a false belief about me as a consumer. This action caused as well Identity theft 18 USC 1028 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 6 ). I have sent Equifax Data Breach Settlement my Recovery of Damages along with the printed document stating my information was part of Equifax Breach. 
engagement number XXXX
Consumer complaint received 2021-08-15
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (IL)

On XX/XX/2021, I received a letter from Blitt and Gaines PC dated XX/XX/2021 stating that the debt has been retained by XXXX XXXX  so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.
Consumer complaint received 2021-03-12
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. (UT)

I turned XXXX in XXXX of 2020. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX  years old. I submitted my birth certificate and drivers license to Equifax and XXXX and they refuse to investigate and remove the items from my credit report. What Equifax and XXXX  is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to Equifax and XXXX.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I have been trying to work with this company for over a year to address XXXX related issues I had paying my mortgage. They will not acknowledge any of the proof that I send them in regards to the condition of the property. I have sent in docs more than 6 times and continue to get the runaround. I have asked for a in person appraisal to come out and look at the property and they will not do this. Please Help