davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

It is never going to be fixed until PayPal will be sanctioned for its unfair practices to hold onto my money. I spent almost a month to transfer my money to XXXX XXXX without success. Every time I repeated the link process it was stating : successful, but PayPal just resisted to make money available as an external account on my XXXX account. 
Now I transferred my money to my Bank on land and first they began to look for any way to hold onto my money too. Finally, after I told them that I am going to complain they promised that it will take one day and it was done. For the second transfer, in their email PayPal said that the money will be there in one day, but it was not at the same day as it supposed to be, I believe sent virtually in minutes or as stated in email on XX/XX/XXXX, in one day. Today XX/XX/XXXX and my money isn't in the bank yet and my purchase that I planned is jeopardized as I need to make a transfer from the bank. The email arrived that I got a message from PayPal that I can only see partially because PayPal does not allow to see the entire conversation and only part that fit inside the frame on the laptop screen inside smaller frame on PayPal page. There agency was talking about 6-7 days for transfer. This is unbelievable how easy they deceive, take an advantage and make me nervous at my ages. I got so sick at the PayPal games that I need to get a medical assistance. 
I was going to pay for a purchase and now it is fell.
Consumer complaint received 2022-06-08
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)

I am providing a courtesy notice to Equifax to ensure that the incorrect report that showed up on my XXXX and XXXX does not also reflect on my Equifax report. XXXX responded that they have already removed the incorrect report. The related information is as follows : On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXX PM XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Consumer complaint received 2022-09-23
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. (VA)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX  XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-23
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)

I have credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still no help
Consumer complaint received 2022-12-04
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: T.S. Holdings (GA)

XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions. 

The company only offer a settlement which is adding insult to injury for a debt that's not mine.
Consumer complaint received 2022-09-23
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. (LA)

In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (OK)

On XXXX i received a notice via mail from XXXX XXXX XXXX, XXXX XXXX XXXX that I owed a debt of {$2200.00} to Discover Bank. They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The Discover account number is XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Consumer complaint received 2022-01-04
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)

XXXX Account # : XXXX XXXX Account Number # : XXXX XXXX Equifax is the only credit Bureau who Is still violating my rights and reporting false and inaccurate information on my credit report. There is an account that was reinserted on my credit report without written notification of reinsertion, This is the first Violation. 

The second violation is that on my credit report, the account is a collection/Chargeoff account showing Date Last Active - XX/XX/XXXX but it shows I made payments the whole year for XXXX and the whole year in XXXX. 

third violation - The account is showing a Balance due of {$1900.00} on a closed/collection/Chargeoff I have filed several disputes with Equifax and they are just using the eOscar system to verify this account instead of a proper investigation. 


XXXX Account Number # : xxxxxxxxxxxx XXXX
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (ME)

I was sent an unsolicited Wells Fargo XXXX credit card in XX/XX/2022. I have never had a bank account, loan or credit card with Wells Fargo. I most certainly didnt apply for any credit card or their new product XXXX XXXX 

When I called Wells Fargo to inquire they wouldnt help me unless I provided extensive personal information. They basically called me a liar when I said I never applied for and didnt want a XXXX credit card. I called numerous times and each time the customer service reps were rude and aggressive. 

I also tried to report it to Wells Fargo fraud department but they said it wasnt fraud. 

Some years ago I did inherit a portion of my Dads IRA which I transferred to my own account within 30 days. So I assume they had all my personal information and opened the card using that information. 

On XX/XX/2022 I received a letter from Wells Fargo stating unusual activity and that my account had been placed on hold. The credit card bill showed previous balance, purchases and new balance all at XXXX ( zero ). The interest rate was 25.74 %. 

On XX/XX/2022 I received a notice that my credit card account had been closed. 

My biggest concern is that Wells Fargo used my personal information and ( excellent ) credit score to fraudulently open an account in my name.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/2022 I mailed letters to XXXX, Equifax and XXXX. Here is my tracking : XXXX : XXXX Equifax : XXXX XXXX  : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the Equifax data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
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. (NY)

in accordance win tne Fair Crealt Reporting act. The List or accounts below nas violated my rederally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I received three separate letters from card support services on XX/XX/2022, advising me that my Macys, Home Depot and Sears accounts have been closed immediately and without warning or explanation. I pay my bills on time, and have been a loyal customer of Citibank, the apparent creditor involved, for over twenty years. 

They refuse to give an explanation over the phone. Letters have been sent remaking an explanation.
Consumer complaint received 2022-12-04
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: Navient Solutions, LLC. (FL)

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft
Consumer complaint received 2022-09-23
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. (MA)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (TX)

This happened XX/XX/2022, I was selling an item in XXXX XXXX & was scammed by the customer who was buying the item from XXXX, saying that my account needed to be a business account in order to make the transaction, they provided bank statements & emails that looked real to make it seem it was the bank, so {$250.00} were sent to the customer by me as per the emails I received from my bank but wasnt my bank, this all seemed so real that I did think it was my bank making these transactions. I need help getting back the {$250.00} as my bank has done nothing to help me.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (DC)

Credit Karma lie to me they keep sending me email about my approval is outstanding to apply for a credit card and if i don't get approve they will pay I applied twice and didn't get approved now i have high inquiry my score get down
Consumer complaint received 2022-12-04
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: CITIBANK, N.A. (IL)

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.
Consumer complaint received 2022-07-04
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. (GA)

I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the Equifax data breach, my information could be being misused at this very moment.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NC)

I have an auto loan with Chase Bank. 

On XXXX XXXX my payoff check was delivered to Chase Bank per their instructions in the amount of {$51000.00}. 

As of XXXX XXXX they still have not cashed or processed the payment and keep instructing me not to put a stop payment on the check. Further, they can not confirm if they even have my payment. 

It has been XXXX weeks of the same excuses. I just want to pay my loan off early. I have had to overpay the loan now to ensure no late payments. 

I have never been late or delayed paying my loan.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My credit report and score has not been updated since XXXX of XXXX This is UNACCEPTABLE! I have given you numerous attempts to fix the issue at hand and you simply can not. Why is this?
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stephen L. Bruce, P.C. (LA)

I was forced to consider XXXX XXXX against XXXX XXXX while in California charged over {$3000.00} of merchandise home accomadations. Relocated with no employment paid mthly as well charges, but missed one and was eventulally sent to XXXX XXXX in Louisiana Attorney, now Stephen Bruce and Associates I did over a period of years pay {$3000.00} they want {$13000.00} + dollars although and recently lettered me today a address change was acknowledged to them but today lettered about a year ago. I will not be harrassed and overcharged. I have numerous of accounts mailed that are not mine recent I have no income to make charges and they or over thousands of dollars records of misconduct or submitted for over 1 and 1/2 years I have no electiricity or water and notes are paid in full even over with electricity after extension with Customer Service Rep to remove plan of {$200.00} a month I even paid {$220.00} anyway she said the amount of usage was {$160.00} for the month I had never missed a payment my sister and myself. Paid alone after she left. Mortgage was paid every month of my sister and myself my cousin accross the street and her mother one day came over to say I complained of paying I have not said anything and why since my aunt whom I live with gave the home properties to us to pay against her paying anything out of pocket we agreed a whole confusion I have no knowledge of started and they are not pemitted to visit with my sister living with them against her will having responsiblities for me to I guess make on my own and I have with my son in California before here married with limited assistance working to school him and financially support us. Would you please advise of Fair Act or something.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Macy 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.