davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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 ()

XX/XX/2022 I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX   ONLINE STREAMING SERVICES since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-05-16
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. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-10-24
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. (CA)

On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union XXXX XXXX. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about XXXX XXXX. I contacted TransUnion XXXX XXXX. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk
Consumer complaint received 2018-08-27
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. (NM)

Can't get into the Equifax website because the security questions do not match my background. Whenever I send a correspondence in any form, I always get an email in return that sends me to the same website with the same erroneous security questions, that are not in my credit history The email states that I will find the resolution to this issue on the website. The website I can't get into. It also states that if they do not hear from me in 24 hours the issue is deemed closed. The issue is obviously not resolved with no way to resolve it. 

When I call they have the same security questions that are not mine and they will not allow me past that phase in order to resolve the issue that the security questions do not belong to my file. It is a vicious circle. 

I have been long retired and one of the questions is in regards to a student loan taken out in 2017. I do not have a car loan or a home mortgage. Nor do I have a store credit card. I don't know who's credit history they are getting the security questions from but it has nothing to do with my background. They will not talk to me until I answer their questions correctly. How is this issue to be resolved if I can't get through to communicate with an actual person? 


If someone is using my credit history for their own purposes I have no way of finding that out.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I hold a Chase Amazon credit card. My annual spend is over {$75000.00} a year and I have never paid a fee or an interest charge. On XX/XX/2023, I made a XXXX transaction for {$25.00}. {$25.00} was a payment to a friend and {$0.00} was a fee charged by XXXX. While that {$0.00} is an insane amount to charge for a fee, that is not why I am writing. I am writing because unbeknownst to me, and unlike what happens for XXXX, Chase treats a XXXX payment as a cash advance. As a result, Chase charged me a transaction fee of {$10.00} on the {$25.00} XXXX. That's a 39 % fee! Plus they charged {$0.00} in interest even before I could pay my bill. Luckily I caught this and the bank has generously offered to give me a " one-time '' credit for the transaction fee and interest. I'm writing because this fee is criminally high and the application of interest immediately after the transaction is absurd. I'm also writing because I do not feel like I was given adequate notice by either Chase or XXXX that this would occur. As an attorney, I have no problem ( other than the cost of my time ) fighting ridiculous fees and interest such as this, but I am concerned for the general public. This practice should be stopped and consumers should be protected from such fees and interest charges in the future. Please do something to make Chase stop this, or at least make a clear disclosure on the XXXX app. 

Also, I spoke to a customer service manager who said there was nothing he could do about it and he tried to place the blame on Visa and XXXX. Yet, he was happy to tell me that the {$10.00} fee and {$0.00} interest was valid and there was nothing he could do about it. Luckily the non-supervisor was willing to reverse the fee and the interest. What if I was not a lawyer? Do you think they reverse charges for folks who can not advocate for themselves? I doubt it. 

Thank you for taking the time to consider my complaint. XXXX XXXX
Consumer complaint received 2023-01-10
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. (GA)

I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on equifax and experian which violates the fair credit report act
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NY)

This is a letter to request Back Dated Reversal of Fees + Interest and Dispute of Accuracy on the Credit Report. 

I notified Citibank of change of mailing address in XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Custom Credit Line statements have been continuously mailed to incorrect address, generating late payment fees and interest generated to amount of $ XXXX, as well as a determination of reducing my credit line. 

All product accounts are consolidated on Citibank.com under the XXXX XXXX online profile : XXXX XXXX account ending in # XXXX XXXX XXXX account ending in # XXXX Citi Rewards credit card ending in # XXXX Credit line : Checking Plus Line of Credit # XXXX Brokerage IRA : XXXX There is no consolidation of XXXX XXXX XXXX ending in XXXX, there is no way to see online statements if the account is paperless. 

On XX/XX/XXXX @ XXXX, I paid a balance {$1600.00} this balance was an unknown error caused by XXXX  XXXX XXXX Autopay for a mortgage payment. 
ID # XXXX Request was made to reverse the late fees and interest during the timeline of mis-mailed statements. So far only XX/XX/XXXX and XX/XX/XXXX were waived despite repeated attempts to call in a request for approval. Confirmation # XXXX Please reverse these determinations and fees on my account immediately. I am a long time XXXX customer and have a track record.
Consumer complaint received 2018-05-07
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: JPMORGAN CHASE & CO. (CA)

When l checked my XXXX credit report, l noticed that a hard inquiry was reported by CHASE CARD on XX/XX/2018 which l have no idea about it.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CT)

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy.

15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus Experian XXXX and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Consumer complaint received 2022-05-16
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX has violated my Rights. 

The following accounts have been furnished as late. 

See XXXX Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I as a consumer have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2020-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NJ)

I had a student loan from XXXX XXXX which eventually converted over to Discovered student loans. 

This loan was co-signed by my mother who went into bankruptcy several years ago. For a while, she was making payment until going into bankruptcy. After she filed, I stopped receiving invoices, bills, or any correspondence from Discover. I was not told about the bankruptcy and the loan disappeared from the credit score and this all began. I researched and found out I was not responsible for paying the loan 'during ' the bankruptcy period. 

Meanwhile, I began to get contacted again ( this was well over a year ago ) by discover threatening to send my account to collections and my information to the credit bureaus for not having paid the loan. I called Discover when I received this notice and reviewing my account online. Out of the total $ XXXX balance, they listed that I owed over {$1000.00}. I advised them I am happy to make a payment however I need to receive a statement or invoice. They refused and demanded I pay the $ 1000+ or the full balance. I reminded them that I need a statement because I think there payment schedule is in error. They were nothing short of rude and disrespectful during our call and I responded in like kind. 

They did not elaborate on any detail, missed payments and refused to send me any bills. I later come to find out that they can not demand what they are demanding during the bankruptcy. I actually attempted to open a new account and have the loan transferred to a different provider after the horrible experience and they explained they couldn't as the account was frozen during this time. Until now I dropped it. 

Today, I log in to check my credit score to see it had dropped 80+ points overnight due to this account. My parents are still in bankruptcy until later this year and I have received no bills, invoices or any correspondence explaining what I owe from Discover. Now I am in a position of a negatively affected credit score, on a frozen account where the creditor is demanding an irrational payment on no basis where I do not even have the option to take transfer the loan to a provider who isn't the equivalency of a loan shark.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/22, my Venmo account was frozen/suspended. I am unable to add funds and/or transfer funds to other persons. Ive had to delay sending funds to family for vacation expenses since the restriction. I attempted to resolve the issue with Venmo or XX/XX/22 and was told that my case requires additional attention from another team. However, I was not told why my account was restricted. I contacted Venmo again on XX/XX/22 asking for additional information and an update and was told that an additional investigation was needed to verify my identity, however nobody has contacted me to resolve the issue. Its been three weeks since restriction with no response. Ive been willing to cooperate but Im being told I can not speak to any account XXXX. The lack of clarity and transparency for an account restriction is outrageous. I want to help with the issue but I am constantly running into road blocks on MY account. This is unacceptable.
Consumer complaint received 2022-05-16
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: AES/PHEAA (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-08-01
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions
Consumer complaint received 2021-06-24
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. (OH)

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XX/XX/XXXXCredit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX  credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 AUTO inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2022-10-06
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. (NV)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2018-08-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-08-27
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

Despite two written requests, Wells Fargo Bank unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, 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 ). This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. Specifically Naming " Wells Fargo Bank '' as an entity entitled to enforce a commercial claim against me. This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
Consumer complaint received 2023-01-10
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. (TX)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-01
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. (GA)

The account Account # : XXXX XXXX is not my file nor am i responsible for it. I do not have any knowledge of this account nor do i own this account. I was never contacted about this account being reported. Delete this account because it is reporting in error.