davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022, I was unable to log on to my PayPal account because the logon required a mobile telephone number. I've had this PayPal account for more than seven years. I never had a mobile telephone. I signed up for PayPal using only my regular desktop computer and my landline telephone. 

Since I was unable to log on to the account, I also could not message Paypal support using its own system. 

On XX/XX/XXXX, I reached a PayPal support person at XXXX He instructed me to change my password ; but after I followed his instructions, PayPal 's interface *still* required a mobile telephone. 

The support man eventually transferred me to a supervisor. The supervisor suggested that I close my account and open a new account. Only after I asked why the new account wouldn't have a similar problem did he admit that it would. 

The supervisor finally confirmed that a mobile telephone number was now a prerequisite for login. He could only suggest that I keep trying in hope that Paypal might change the interface so as not to require a mobile number anymore. To me, that sounded stupid. 

I am XXXX years old, and on a limited income. I will not buy a mobile telephone for the sole purpose of maintaining an account with PayPal. In view of this arbitrary and capricious policy change, I elected to close the account. 

Because Paypal Inc has direct access to both my checking account and one of my credit cards, I wanted to ensure the *immediate* closing of the account I can no longer access. But Paypal 's online interface requires I be logged on to close the account! 

The supervisor I spoke with gave his name as XXXX XXXX. ( I am not kidding ; I asked him to spell it out ). He explicitly refused even to give me a mailing address for such routine account correspondence as closing an account. ( He claimed that this was a matter of policy ). 

I don't think PayPal should suddenly ( and without notice ) make arbitrary and capricious changes to the user interface that disriminate against the CLASSES of their own long-term customers who are ( 1 ) XXXX  or ( 2 ) XXXX or ( 3 ) rural or ( 4 ) simply not in a position to use a mobile telephone. This user interface change violates the ADA as regards customers who may use their own ( expensive! ) assistive equipment. 

It's also a violation of law and CFPB policy for a corporation to make it substantially more difficult to close a [ XXXX-balance ] account with than to open one. 

In any event, I don't think it is ( or should be ) lawful for a money transfer company to fail to provide its cutomers, upon request, with a proper US mailing address for routine written correspondence regarding the account : But the PayPal supervisor who gave his name as XXXX XXXX explicitly refused to do that. On that narrow basis, I also filed a complaint with California 's Department of Financial Protection and Innovation ( DFPI ).
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Onity Group Inc. (CA)

Hello - My credit score is showing that i a ding on it for over XXXX from a house that i sold in XX/XX/2017. This needs to be completed asap as it is effecting my over all credit score. This attachments are listed with the name of the company that handled my paper work.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/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
Consumer complaint received 2018-09-10
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: EQUIFAX, INC. (SC)

I pulled my Equifax report and found a ton of hard inquiries that I did not authorize. It is damaging my credit. These are the inquiries that I have never had any type of credit with. 
XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MI)

Recently, I was reviewing my credit report and saw a new entry from a company named IC Systems. According to the information submitted by IC Systems on my credit report the account was opened in XX/XX/2018. This information is false. Additionally the amount due of {$370.00} that was placed on the credit reported is not valid. Both The Fair Debt Collection Act and The Fair Credit Reporting Act was violated.by inaccurately reporting that I owe IC System and XXXX XXXX {$370.00} without giving me ( 30 ) thirty days to dispute the validity of the debt allowed by law.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have reached out to XXXX, Equifax and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$8700.00}.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (NJ)

I contacted my servicer on XX/XX/XXXX to confirm a change in my property taxes due to a citywide reassessment which resulted in a much lower property tax bill for my home. I have followed up several times for ( i ) an update to my escrow withholding and ( ii ) confirmation that action is being taken to pay my property taxes correctly ( follow ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with NO non-automated response. I have yet to receive a single update and my servicer missed my latest property tax due date. Only next step I can take at this point to elicit a response is a CFPB complaint..
Consumer complaint received 2018-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (MO)

I am a consumer with us bank and their policy states that they do electronic messages and agreements state Your authorization and consent to such agreement to such an agreement or your delivery EX ( " EMAIL TO ACTIVATE MY VISA DEBT CARD '' ) Delivery of instructions may be made by certain numbers codes ex ( activating debit card ) ex XXXX that is the code marks signs ( pin ) public or private keys or other means acceptable to you and to us establish your identity which i did when opening and acceptance of electronic communications like email the policy states identity which means that my email which is a valid email and authentic email which is true my email with my account is valid and authentic that all communications go to me even though it spelled differently but it goes to me and as a true fact banks are allowing consumers to activate via text and email but the account number is ONLY FOUR NUMBERS NOT FULL Ex account number XXXX sent by XXXX XXXX XXXX and with a code to activate card ex number XXXX ( code ) Please note that is NOT A REAL CARD NUMBER BUT ITS JUST AN EXAMPLE that banks are doing I am very dissatisfied with us bank not allowing me to use my email to activate my card even though my email is valid which states in the terms on page 34
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have been in contact with Equifax since XX/XX/2018 trying to get them to correct my address, fix the error with XXXX and XXXX and XXXX. I am trying to purchase a house and Equifax 's mortgage division will not release my credit report due to the issues with XXXX and XXXX and XXXX, due to the conflict in addresses. I have faxed a letter to them with my new drivers license, passport card, and a bill showing my new address, asking them to update their files including my credit report, XXXX and XXXX and XXXX account. I was told they never received the fax, yet the transmission report I have states they did indeed receive it. I have also mailed the same information to them, and as of XX/XX/2018, the information has not been updated nor corrected. I spoke with another agent on the XXXX and he told me all the errors are due to the address not being updated. I have now missed out on purchasing three different homes due to not being able to have my Equifax credit report pulled. I have documented the calls and letters sent to Equifax without success.
Consumer complaint received 2018-09-09
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)

The reason for this complaint with Equifax Fraud Deparment was filed was due to a completely inadequate response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

The employees in this department do whatever they want with one 's credit report. They don't treat you with respect nor do they want to actually help you. They go against the law.

I have fully investigated my rights in this matter. Under the doctrine of estoppels by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.

I have provided more than sufficient evidence to get these false accounts removed. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation.

Also the following accounts that were unauthorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX  4. XXXX XXXX XXXX  5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX  7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
Consumer complaint received 2018-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I have NEVER opened an account with I C SYSTEM INC ( Account Name ) XXXX in XX/XX/XXXX or any other time. I have asked for proof of the debt twice, my signature, date that I signed the contract, etc. via XXXX  dispute resolution program and have not received resolution as of XX/XX/XXXX. The debt remains and is noted to remain on my credit until XX/XX/XXXX. I have no other recourse but to contact you because the credit bureau dispute program is not of value to me.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXXXXXX  to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX- sent a letter XX/XX/2022 - on the phone Ive tried to correct my name with Experian, I was told that my name would be updated to the correct spelling, they did not update my name correctly and also told me they could not update the name because its tied to a credit account. If that is not the correct name why is it being reported, and why cant it be removed. I can show identification, proof/documents of my name. They had my name listed 14 different time incorrectly on my credit profile.
Consumer complaint received 2022-08-01
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 (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-09-09
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. (CT)

I submitted a dispute regarding my XXXX account : XXXX. The dispute was resolved by your company in XX/XX/2018. This caused a huge drop in my credit score. I want to know what fields were changed in my credit report on this specific account, after the dispute was solved from your end. What information was edited on this specific account and how it differed from what was reported prior to the dispute. Was the " status updated '' date changed? Was the " charge-off amount '' changed? Was the debt renewed? What additional comments or information was added to this specific account? 

Please reply with all the information that was edited after the dispute was solved.
Consumer complaint received 2023-02-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
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 (NV)

Venmo has held XXXX of mine since XX/XX/2021 to do and investigation on suspicious activity. They investigation is complete they found no problem I've verified my identity and previous bank account details before they allowed me to deposit the XXXX into my account XXXX. XXXX I sent to a friend and XXXX to another account then they froze the account I still have XXXX balance available I can't withdraw or update my bank details to withdraw my funds
Consumer complaint received 2018-09-09
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. (TX)

XX/XX/XXXX - XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with Equifax ; and filed disputes with XXXX and XXXX  and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
Consumer complaint received 2018-09-09
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. (KY)

I have reached out to XX/XX/XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NH)

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX  late hits.