davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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)

I am appalled by the ability of the Credit Bureaus to not comply with the FCRA regulation specifically the FCRA section 605b and continued reporting the disputed fraudulent information on my Credit File without proper verificvation! I am now submitting this complaint to request another investigation and this time, I need the items removd from my Credit File completely! By continuing reporting the disputed items without proper verification the Credit Bureaus have violated my rights, a consumer 's rioghts under the FCRA. It makes me wonder if is it only me who is experiencing this kind of mistreatment or there are a lot of us? It would be disastrous if a lot of consumer is experiencing the same problem as mine. Under the Federal Law, FCRA Section 605b, the Credit Bureaus must remove any account or information that resulted due to identity theft. The followin items were incurred due to fraudulent activity and must be removed as quick as possible : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$9700.00} XXXX XXXX XXXXXXXX Balance {$6500.00} XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2022-04-15
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: Paypal Holdings, Inc (CA)

XX/XX/2022, {$790.00} I disputed a charge that was originally cancelled and got charged again for {$790.00} since then I filed a dispute with my bank as well as sent out a message to the seller who since blocked me on all of her platform. Paypal sided with the seller when its clearly i got scammed by the seller. This purchase was a educational group where you pay a subscription to enroll and I am not in the group which i paid for.
Consumer complaint received 2020-04-02
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-08
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: JPMORGAN CHASE & CO. (VT)

I received a bill from Chase Card Services representing my Amazon Prime account. I only use this card on Amazon and do not carry it with me. I use my bank ( XXXX XXXX XXXX ) debit card or my XXXX card when at stores. Several purchases showed up on the card that were made in person using one of the above cards and not this card. Those charges were not on my XXXX card or debit card and I remember making them, but not with a Chase Card. 

One of the purchases was from a XXXX Store in New York. A store I have never been in and couldn't possibly been there on the day the charge was made. I called and made a complaint about the charge and the other charges I didn't use this card for and about the charge in New York, I live in Vermont. 

The charge was for & XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, NY on XX/XX/2021. Chase told me I must have made the purchase because a chip card was used. I called the store and the manager told me there was no record of a transaction by me or for the amount on that day. I called Chase and informed them of what the manager said and was told I need to get video footage or a letter from the manager that I wasn't there. I asked them to get the same proof that I was and they told me they don't do that that I need to prove I wasn't there. You can't prove a negative according to an attorney I contacted who recommended I contact you. 

I am a XXXX year old woman living alone and was repeatedly told someone in my house hold probably made the charges. I don't have children and visitors do not have access to my office where the card is. I was also not informed that Chase has a security breach and members financial information had been compromised. I learned this on line when filing this complaint.
Consumer complaint received 2022-08-17
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. (MI)

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 2022-04-15
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. (MO)

In accordance with the fair credit reporting XXXX XXXX XXXX account number 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 a Account without my written instructions.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America limits withdrawals and transfers from saving accounts saying only a certain number of transfers are allowed each statement period, and does not allow the customer to manage or use funds in their savings account when needed without risk of losing that savings account. 

It is not BofAs job to tell customers how and when they move, withdraw or transfer money and if Bof A is going to offer savings accounts to customers they need to stop putting limits on how much is deposited or withdrawn as it is none of their business how or when customers use their own money. 

Their policies in this matter are not offering solutions for customers only creating more expense and problems. 

Banks hold money, they have no right to tell people how and when to use their own funds
Consumer complaint received 2022-04-15
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. (FL)

These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

This is the account which I entered into in XXXX ( XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the XXXX XXXX XXXX who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY
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: Experian Information Solutions Inc. (NC)

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 2022-04-15
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. (GA)

Equifax is in violation of the FCRA section 611 Procedure in case of disputed accuracy. Equifax is reporting inaccurate information on a XXXX XXXX account on my consumer report. Reporting of inaccurate information is a violation and this is hurting my reputation. FCRA section 611 states, ( A ) IN GENERAL. -- Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the 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 reseller. 

Equifax was notified over 45 days ago and still has yet to remove this inaccurate information from my consumer report.
Consumer complaint received 2018-08-07
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)

I sent a credited letter return receipt 2 weeks ago addressing Equifaxs incorrect information on my report. They are reporting a fraudulent account - XXXX and removed my freeze I was entitled to and had before my last name changed! This was a file mix and they must remove the XXXX account and credit inquiries that are fraudulent and not authorized by me! I've filed a FTC report, numerous police reports, and the attorney general. I demand they block the fraudulent account and reinstate my freeze.
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. (NC)

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 2021-06-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (KY)

I was contacted about debt that I owed toward an old payday loan. Initially, I was told that a suit would be filed against me in the county I live in. I contacted XXXX XXXX XXXX, who told said they had tried to send me a written notice, but it was to an address I haven't lived at in several years. 

They emailed a Dunning notice to me. I had already reached out to Spotloan, which is the company I had taken the payday loan from several years ago, to verify my account information. The account number they gave me didn't match the original account number listed on the Dunning notice from XXXX XXXX XXXX. 

I attempted to mail a letter of verification to the PO box listed on the Dunning notice ( XXXX XXXX XXXX, XXXX, NY ), but received notice from the USPS that the letter couldn't be delivered because the address is vacant. This is also the address listed on their website.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Upgrade, Inc. (UT)

I was approved for a loan with XXXX After getting approved, I waited 2 weeks for the money to be distributed. However, they were not. When I called the company, they assured me it would be resolved after I provided some additional documentation. I waited another week and called back to see what is going on. This time I was told that their tech team was looking over my account and would call me back. I logged in today and their dashboard shows my loan as approved but I still haven't received any information as to why nothing is being distributed. I then contacted customer service via email who keeps telling me that my account does not match anyone with a loan even though I have talked to people on the phone multiple times at XXXX. At this point, I just want someone to call me from XXXX so they can just cancel the loan or tell me why the money is not distributed yet. I have not been able to talk to anyone at this company so far, I have asked them to just call the number listed in the account for the Loan. However, they keep saying they can't call me since there is no account associated with my email. I am not sure what to do at this point so I'm filling out this form. Thanks. My loan number is XXXX
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (NV)

Contact info Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number By mail only NO NUMBER TO CALL, THIS COMPANY IS FRAUD, THIS ACCOUNT IS FRAUD
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-04-15
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. (UT)

Disputed on or around these dates to both Equafax, XXXX, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have 3 hard inquiries on Equafax, and XXXX as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

during XXXX  I got very sick and needed help to pay my medical bills this is why I set up a paypal fundraiser. once I had received a few donations paypal did block my account. they stole the whole money! I was not able to get medical help because of this. they put me in a very bad situation and I did suffer a lot. in total the theft is {$3500.00}
Consumer complaint received 2022-09-25
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. (TX)

On ( XX/XX/2021 XXXX XXXX XXXX  Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (LA)

I have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.