davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
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)

My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX '', Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer or check request ''
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

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 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 : transaction worth XXXX was made to an account ending XXXX. I do not have an account ending in those digits. Chase claims this is a legitimate transaction. But I do not have an account ending in those digits, and I did not make this transaction. How could it be legitimate? I made the claim immediately, the same day as the transaction. This is a fraudulent transaction. I would like for them to return my money.
Consumer complaint received 2021-06-23
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. (NC)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter requesting verification of a debt that was posted on my created report. This is a debt that I am very unfamiliar with and it randomly popped up on my credit report. I sent the company a letter to request verification over 30 days ago and today is XX/XX/2021. I demand this account to be deleted off of my credit report because this investigation took longer than 30 days, and according to the Fair Credit Reporting Act if the company does not respond the account must be deleted from the consumers credit report. If the company does not remove this debt from my credit report asap I will be forced to file for litigation against all who are responsible for reporting this inaccurate and unverifiable information on my credit report.
Consumer complaint received 2022-12-20
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: HW Holding, Inc (GA)

HUNTER WARFIELD has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with HUNTER WARFIELD. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WI)

I closed on a refinance loan earlier today with a local title company at which I happen to also be a Closer. At XXXX today, a woman showed up at my door with a packet of papers and tells me she is here to close my loan. I told her no, she is mistaken as we have already closed. She refused to tell me her name until I threatened to call the police ( XXXX XXXX and she says she works for herself so have no kind of business affiliation ) or who she got the documents from, and then rather than resolve this error, she drove off with all of my personal, private information printed on documents that I will have absolutely no way to confirm she disposed of properly. I am absolutely disgusted by the blatant disregard that has been given to my personal private financial details and am extremely concerned about my information being mishandled.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (OH)

On XX/XX/2022 I applied for a personal loan on Discover 's website and was approved. In order to secure the loan I had to call in due to a fraud alert on my credit. I called in to verify myself to be told their system is down they can't pull up contact information from the credit bureaus to verify my identity and that it's a known system issue. Completely dumbfounded I asked to speak with a supervisor. The supervisor told me the same thing and said they'll request the hard inquiry being removed from my credit as well to call the credit bureaus to remove the fraud alerts from my credit. She told me to re-apply after the credit bureaus remove the fraud alert within 24 hours and the new application will go through fine since there wouldn't be a fraud alert. I did as I was told called the credit bureaus, removed my fraud alerts, and re-applied only to be told they'll have to deny my application due to it being within 30 days of the other application. This is beyond ridiculous, a waste of customers time, damage to their credit, and deceptive practices. No one in Discover including their systems know how to do their jobs apparently!! Application ID : XXXX
Consumer complaint received 2022-07-31
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. (IL)

In accordance with the Fair Credit Reporting act US DEPT OF ED/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 2022-10-24
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and XXXX XXXX last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 2021-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC. (CA)

My old check into cash debt was discharged in my bk years ago and they still sold the debt to XXXX XXXX who is now harrissing me even though I keep Asking them to stop and they said they new the loan was in my BK.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

As of XX/XX/20 my synchrony bank account for Rooms To Go credit limit was decreased by the company from {$1500.00} to {$580.00}. This action caused that my credit score decreased 36 points. I contacted the company and they said it was a decision based on a credit report they pulled to review accounts. 
All the accounts on my credit report are paid up to date, never late, never passed credit limit. I have the goal to improve my credits and action like this do not help. I am blamed of utilizing the credit, well during this situation is needed. I have been XXXX  from XXXX since XX/XX/XXXX creating additional expenses, plus the fact that all products increased do not help. I am reporting this discriminatory action that injured my credit and possibilities of improving. I even have the risk that other creditors lower or closed my accounts due to this action.
Consumer complaint received 2018-08-10
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX  ), XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ).
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: Experian Information Solutions Inc. (MI)

XXXX, XXXX and Experian received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. XXXX and Trans Union I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection accountXXXX XXXX XXXX XXXX XXXXXXXX on Trans Union and XXXX XXXX XXXX  on XXXX XXXX
Consumer complaint received 2022-10-24
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. (MS)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-08-10
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. (NC)

I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my XXXX and Equifax credit report that i did not make, i've made several calls to XXXX, XXXX   and Equifax to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX and Equifax i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, Equifax and XXXX is working together using my info TO OBTAIN CREDIT.
Consumer complaint received 2018-08-10
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: CITIBANK, N.A. (NC)

I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN CREDIT.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, my debit card was charged {$10.00} from a merchant that was unauthorized. The charge was unauthorized because I had returned the item to the merchant, but yet they still charged my debit card for the item. I disputed the transaction with Chase bank, and they chose to deny my claim. I even provided a tracking number showing when the returned item was delivered back to the merchant. I've tried contacting the merchant, but I was told to get my bank to resolve the issue. Why was my disputed transaction claim denied when I told Chase bank that the transaction was not authorized? I even provided proof of the product being delivered/returned back to the merchant.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IN)

Received my credit card statement from Citi and a charge for {$7800.00} was listed on XX/XX/2022 for a company called XXXX out of XXXX XXXX XXXX contacted Citi customer service and notified them that my card had been hacked it appeared.They went through my charges and found where whomever had hacked account had tried to charge the same amount a week later but had been red flagged and never went through the second charge.They referred the case to their fraud dept for review.Someone contact me and asked several questions in regards to my card XXXX noticed when receiving my recent statement that they had added the charge back on to my balance after it had been removed.I called Citi back and notified them about the issue and asked why it hadn't been resolved.They said it would be resubmitted to fraud dept.I haven't heard anything since this response. 
I contacted the company XXXX concerning the fraud charge and last e-mail wasas follows XXXX XXXX, Thank you for your patience! 

You are receiving this automated email as your request is currently with the XXXX XXXX XXXX XXXX team and youve been waiting several days for a resolution, likely beyond the original expectations provided to you by our support staff. 

Your business matters to us and were diligently working through an increased number of requests at this time. There is nothing more you need to do on your end but we wanted to assure you that your request is still active and we will address it with the same urgency and importance as the merchants were currently helping. 


I would like to have this pursued by the CFPB and get this fraud claim resolved Thank you XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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/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 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ND)

I have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (ND)

I have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I received an alert from XXXX that my credit had been pulled for three separate credit card companies : XXXX, Capital One, and XXXX  XXXX XXXX. 
I have not applied for any credit cards at any of these companies. 

XXXX and XXXX  XXXX XXXX were incredibly helpful and submitted a fraud claim and denied the fraudulent application. 
Capital One on the other hand was extremely unhelpful. I was told that with out account information, of which I do not have because I do not have an account and did not apply for one, they could not help me. I was refused to be transferred to their fraud department to try to deal with this matter on my own and have the application denied.