davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL (FL)

On XX/XX/2022 at XXXXXXXX XXXX I drove into parking lot, it stated to enter credit card and to get out, it stated to insert credit card, i did and on the way out, same thing, insert credit card, I paid with credit card as appears on my statement. Appoximately XXXX XXXX later i get a serious of bills with by tag asking for over {$100.00} in late fees and threatening legal action or collection. 

It is a scam!!! I spoke to other people near XXXX XXXX and they say to watch out for that place. They make it impossible to dispute. Frusrated with this, i mentioned to my family at dinner and my son said they bullyied him on almost {$400.00}!!!! last year. XXXX XXXX XXXX is everything But professional. I will attached my credit card payment, the parking sign, the last bill, copy of receipt of my dispute request.
Consumer complaint received 2022-08-16
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. (FL)

Company has reported my account as late, when my account is set up as an Auto Payment and has always been set up as an auto payment. Apparently they XXXX XXXX changed banks that handle their credit card. however when they transferred my account they should have also transferred the payment information that was on my account as well. Nothing changed on my side money was there in my account and set to pay. Now i have this ridiculous late payment when i was not late.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (CT)

My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account. 
I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves. 
We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again. 
We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T. 
In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place. 
My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.
Consumer complaint received 2022-08-16
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. (AL)

Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap
Consumer complaint received 2022-11-05
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 (CA)

PayPal permanently limited/locked my account on XX/XX/22, even though I had uploaded my driver license for verification. In the notification I received, without any details or explanations, PayPal just claimed it was due to potential risk. However, I only used my account to make some small transfers in my household recently. The service fees were also charged by PayPal for each transaction. After ID submission for verification, I did not see any potential risk on my account. I called the customer service and the representatives said they could not help on resolving this issue. I am sure I did not do any fraud and can provide any document for verification purpose. Since my PayPal account has been used widely in my daily life, this wrong permanent limitation has caused me a lot of inconvenience.
Consumer complaint received 2022-08-16
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
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. (SC)

My student loan was being serviced by the U.S. Department of Education 's Default Resolution Group, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Nelnet, Inc. (VA)

Nelnet processed payment of my Federal Student loan money to someone elses bank account and refuses to Initiate charge back but instead says the school have to do so. When contacting XXXX XXXX XXXX they have sent me multiple emails that states Nelnet has to do the reversal since they did the deposit. Nelnet is allowing me to be defrauded of XXXX and change.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

The company has not responded to there closing my account for no good reason. They wanted access to my tax records and I told them they aren't prevy to my information, that no other company ask for records and they shouldn't either. It's not there business. So they got made and closed my account. I call that questionable business practices
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (FL)

I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
Consumer complaint received 2022-11-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (VA)

I was called by Exeter finance on XX/XX/XXXX that my loan had matured and I had to pay it off on or before XX/XX/XXXX to prevent it from being delinquent. I asked if they could extend it another month but was told that they can not and that it will build interest if I dont pay. I asked if it would be reported on my credit and I was told no. The representative told me that after 75 days it will be reported on my credit and the car will be repossessed. 
I again called after two days and was told by another representative that I had to pay it on or before XX/XX/XXXX or it will be late. I had to come up with {$8700.00} to pay the car off. I paid it off XX/XX/XXXX at XXXX. Exeter finance still reported my account as late to the credit bureau. All the conversations were recorded. This company cheats its customers. Their goal is to cheat and ruin peoples credit. They have incorrectly reported on my credit and my score has taken a hit. Please investigate them and put them out of business if possible.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (FL)

I recently joined a Coinbase program called XXXX, for XXXX XXXX XXXX. I joined this program based on the recommendation of XXXX XXXX XXXX, an expert in this field and a corporate officer if Coinbase. I am an account holder and stockholder of Coinbase. 

I was advised to reserve some special programming ( a bot ) to move from one level to the next within the XXXX. I had done so on two previous occasions. At the time of this writing I have approximately {$63000.00} invested in the XXXX XXXX tier of this program. 

I was further advised that the higher level of investment, the longer the lead time required to secure this bot. I gave myself two weeks. 

Two unfortunate things happened : 1. The bot was expected to arrive within days, not weeks as was previously advised by XXXX XXXX. 
2. The funding I expected was no longer available. 

I immediately moved to cancel the reservation. Only then was I informed that was not possible. I was advised that the smart contract for the software was non-cancelable. After some text exchanges with the parties involved, Customer Service and XXXX XXXX herself, I was then informed if I could not produce the funding for the next tier, XXXX to XXXX, I would be considered in breach of contract. 

At that time I asked for a copy of this contract to which they referred. I have since discovered this agreement I was supposed to have violated has never been published, much les referred to. 

The threatened penalty could be {$7500.00}. I was never informed this was even possible. Coinbase allowed me to make this reservation knowing I did not have the capital at the time of making the reservation, No disclosure, no prior notice, nothing. 

Coinbase refuses any compromise, and XXXX XXXX has referred to me in extremly unflattering terms. 

Please advice possible protections and courses of action available to me. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PA)

On XXXX, I received an email stating that my Citi Simplicity card will not be renewed based on another Citi card that I keep disputing. This feels very unfair and it is very last minute. My card expires in 2 weeks and I've always paid on time and early. I only use this card for veterinarian purposes.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NC)

Never got notification of a debt at all. Never given an opportunity to pay, all calls to the company go unanswered. No way to pay supposed debt or verify debt. Only found out it was owed because it showed up on a credit report as collections. I have stellar credit and history with all companies Ive ever been involved with. Im beyond upset about this turn of events and want the entire thing cleared up. If its a debt? Give me a way to pay for it! Its been a few weeks of attempts to clear up with no communication from this company. Should have been given not only notice of debt but a fair amount of time to pay it before any action was taken that resulted in marks on my credit report!
Consumer complaint received 2022-08-16
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. (TX)

BY LAW EQUIFAX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. EQUIFAX HAS FAILED TO PROVIDE SUCH PROOF. EQUIFAX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I filed a dispute XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX I filed a complaint stating that Equifax sent a letter stating my identification information will not bring up a credit file etc. After the complaint Equifax states to you that my file was being worked on XX/XX/XXXX. Which cant be true if Im receiving another letter now in XX/XX/XXXX. At this point the FCRA states they have 30-45 days to respond that Time has now elapsed. Equifax is not trying to look into my issue. The same four documents I provided XXXX  XXXX XXXX  with no issues.
Consumer complaint received 2021-09-23
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)

Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

I bought two XXXX  from the XXXX XXXX XXXX XXXX  store. I got charged to my XXXX credit card for two XXXX  and get the receipt right away. This is how business should be done. 

I bought another two XXXX  at the XXXX, MN XXXX store. I got charged for FOUR XXXX  on my Apple Card AND without a receipt. 
AND later on there's another illegal charge on the Apple Card. Please see attached screenshots. 

XXXX representative contacted me after a complain was file with the CFPB ( XXXX ) sent me a wrong receipt and claim there's neither double charges nor illegal charges. The receipt shows the purchase of two XXXX  ( with wrong color ) but the charge on the Apple Card was double - four XXXX. 
If there's no double charges and illegal charges why was money taken from my bank account? XXXX  XXXX XXXX can provide evidence of this money taken out from my account.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Thrift Investment Corp. (NJ)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account under XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 51681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( ) IN GENERAL Subject to subsection ( c ) any consumer reporting ageney may furnish a consumer report under the following eircumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to fumish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( A ) Subject to section 16815-3 of this title, any.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 91692g violations Fair Credit Reporting Act 15USC 51681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 91681n ]
Consumer complaint received 2022-10-20
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. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX  XXXX : # XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo screwed us on a loan with an XXXX XXXX!! They would tell us we was having payments moved to the end and charge us fees that was never discussed. They repoed our truck once after telling us they where moving payments to the end and had to pay over {$1500.00} to get the truck back. They were the most terrible company I ever had to deal with.
Consumer complaint received 2022-08-16
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)

XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.