davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC (FL)

" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company ServiceMac on XX/XX/2021. ServiceMac provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per SERVICEMAC. XXXX made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (OK)

I filed a dispute to have this account deleted due to lack of consent they verified it its your debt remove this from my report today. 

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-04-23
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)

Im accordance with the Fair credit reporting act 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. 

Im accordance with the Fair credit reporting act 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. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX 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. 

Im accordance with the Fair credit reporting act 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 2022-11-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to Equifax XX/XX/XXXX to update this suspicious information. I think youhave not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late dates on this account XXXX OF XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXXXXXX XXXX  XXXX {$3200.00} XX/XX/2015 XXXX XXXX XXXXXXXX XXXX {$1900.00} - $ XXXX {$500.00} I SENT POLICE REPORT AND CALLED COMPANIES WITH LAWYER SEVERAL TIMES
Consumer complaint received 2022-04-23
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I received 2 letters from US Bank. One stated the same as my previous complaint. The second was a retaliatory letter claiming " fraud '' and the inability to raise my credit limit without proof of ID, social security, et cetera. 

This is clearly retaliatory actions as apparently a credit card can be opened without this information, but the moment a complaint is submitted there's a " threat of fraud '' The lack of professionalism and predatory card services is just overwhelmingly disgusting and this adversely affects my credit if I were to get another credit card, etc. It's unbelievable that a bank can get away with this.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at Equifax! Please note that it may be in other hands!
Consumer complaint received 2022-06-22
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)

On XX/XX/2022 I filed a CFPB complaint ( # XXXX ) against Equifax regarding account : XXXXXXXX Acct XXXX XXXX ). On XX/XX/2022 I received a response back and the case was closed stating I would receive results of the investigation. To date, I have not received any communication or documents that state this account belongs to me and I am seeing even greater inaccuracies in reporting. THIS COMPANY IS IN VIOLATION
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Company : PayPal Service : Paypal Reference : XXXX Date Raised : XXXX XX/XX/2023 at XXXX : XXXX When it happened : XX/XX/2023 Where it happened : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX, XXXX What XXXX XXXX XXXX Happened : HII I REVIECED AN WRONG PRODUCT FROM PAYPAL SELLER NOW THAT SELLER DID NOT GIVE ME THAT PRODUCT NOT EVEN GIVING MY REFUND {$50.00} I RAISED CASE ON PAYPAL AGAINST THAT SELELR PAYPAL IS SAVING HIM BZ THEY WILL HAVE TO GIVE THAT PAYPAL BACK paypal saying i can not do anything helping fraud seller What I want : i want my refund back and punish that seller and i want from PayPal write down sorry letter and to fraud with me This is how they responded : in paypal chat inbox I have decided to escalate my case to you because : The company didn't uphold my complaint paypal helping fraud seller one of that did with me also i do not want to repeat that again i did raised case over there i showed the evidence i have what i order what he give paypal decline my evidence say we do not allow that but seller show same evidence evidence they validated that not mine helping fruad seller Yours sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Compensation XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX this amount is going to remember to help the fraud seller again bz paypal really wasted my time and helping fraud seller User account email XXXX XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (VT)

I have an auto loan with Wells Fargo that has no prepayment penalty. Recently I have not been allowed to make payments on my loan and when contacting them I was told it was because I'm more than 3 months ahead on payments and was not allowed to be more than 3 months ahead. I could make a payment when my next due payment was less than 3 months. Per my load terms I can pay off my loan whenever I want, yet they will not even allow a principle only payment through online access. They will accept the payment only directly at a branch office, none of which are local to me. I don't see how any bank can prevent you from making payments and force you to allow your load to accumulate interest charges.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XXXX the XXXX I set up an account with citi bank I funded the account with XXXX dollars. I left the account alone because I have another account. Fast forward to XX/XX/2020 my son has an ER visit I go to take money out of my savings account and can not they say that my account is flagged I do not have a signature card. I have three accounts never was asked to send this in. I then say ok can u sent me the information to which they do not. Then I call the next day and they send me the information but cancel my debit card. So they expedite me a new card. Then I try and log in on my online banking and I can no longer see my savings account.Call again they resolve it call back the XXXX ask them if they received my signature card they say yes, Still cant transfer money call back told my account has been canceled and they are expediting me a check. Call back again was told my check for XXXX was being sent through regular mail!!!!! They will not give me a tracking number or anything. They also keep giving me the run around and at this point I just want my money back!!!
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I deposited my weekly paycheck for the pay period of XXXX and XXXX into my chime account. The same account I deposit my checks into weekly for over a year. 

Upon depositing my checks, from the same employer, same amount, ect., I was informed that there was a 5 day hold. 

I called chime support to inquire about this hold. Multiple times. Each time I was told something inconsistent and different. No one would allow me to speak with someone past a supervisor. No one would help me. I was just fed lines of a script with no resolution. 

On XX/XX/22, I called chime support and I was informed I would have my check by the end of day. In fact, I did not receive my check at the XXXX of XX/XX/22. 

I was not given any clear reason for the hold or information about the hold.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I used my credit card to make a purchase on XXXX. XXXX left the items on my porch and they where stolen. I contacted XXXX they said they give a full refund and they had the item returned to them. I have screenshots of the conversation with XXXX. So I called my credit company and they issued me a credit back on XX/XX/XXXX come XX/XX/XXXX they put the charge back with a letter stating they XXXX sent proof that the item where delivered to my porch. Which through both company I should be covered under purchase protection. I made a police report and both companies saybits still not enough. I called the credit card company " wells fsrgo propel '' they said they would reopen the case and to submit any supporting documents I did that on XX/XX/XXXX they responded XX/XX/XXXX denying the claim again. I called again they said the claim had been closed since XX/XX/XXXX. So they never reopened the claim. They also neve advised my on any documents that there was a dead line to submit any supporting documents. I have read there terms and conditions which state I'm covered if a package is stolen.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 2022-11-24
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It has been more than 30 days and I did not receive any response. Also, I did not notice any investigation made because there are no changes in my report.
Consumer complaint received 2022-08-20
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} 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 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 2022-06-22
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. (GA)

On XX/XX/2022, I wrote to the agency requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citi Card has a " Two '' payment only rule per day - I didn't know - when I tried to make a 3rd payment on the due date it was rejected, I contacted citi card thru chat and one rep ( XXXX ) told me he will do the 3rd payment on my behalf to avoid interest charges and keep a {$0.00} balance, I noticed, the following day, I still had a balance and contacted citi card again ( thru chat ), a second citi card rep ( XXXX XXXX told me my payment was still pending, my balance was " XXXX '' and I had nothing to worry about. on the third day, I received my new credit card statement and to my surprise, I saw a carry balance with interest charges. They lied to my face.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX 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 2022-08-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXXXXXX 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 XXXXXXXX XX/XX/XXXX