davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WA)

Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. 

I explained this to XXXX once I received a bill and they agreed. 

A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). 

The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

On XX/XX/XXXX, I filed a complaint with the CFPB against LexisNexis CASE # XXXX. Respondents responded to the complaint on XX/XX/XXXX, stating that the disputed information was deleted. LexisNexis removed motor vehicle record XXXX Per their letter. ( See attached ). However, I did not receive the " Identity Theft packet, '' Although an FTC report was filed and provided to LexisNexis multiple times. 

On XX/XX/XXXX, I filed a second complaint with the CFPB against Lexis Nexis Case # XXXX. Respondents responded on XX/XX/XXXX. However, there are still issues surrounding the information that was " allegedly '' Deleted. 

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB ; my insurance rates increased again to {$430.00} a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different, with a rate of $ XXXX month. LexisNexis continues to violate the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction '' I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/XXXX I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX Again, I have submitted the information previously in the previous complaints and will present the documents from XXXX XXXX that are being reported as of XX/XX/XXXX. 

However, as of XX/XX/XXXX, Lexis Nexis again provided false statements as the information is currently being reported, still causing financial injury to the complainant. with no good resolution to resolve issues despite their responses to the CFPB. As a result, I am requesting Enforcement from the CFPB, and I will pursue the matter via a civil lawsuit.
Consumer complaint received 2021-11-25
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX 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 2021-08-03
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: BARCLAYS BANK DELAWARE (AZ)

Barclays XXXX XXXX  Credit Card Credit card was misplaced and locked in XX/XX/2021. Shortly after I found the card and called to unlock it. I was told it wasnt locked, however the card did not work at all. I called multiple times and this was not resolved. Now 2 months later, I still can not use the card. Last week I started calling daily. The automated system when you call say its locked, but the representative says it is not and should work. More than once, I am told they can not help me, and they transfer me back to the initial recording and it starts all over. I have asked multiple times to talk to a supervisor, and am retransferred to the initial recording again. When I ask the next representative about it, they say, that person didnt leave notes so they dont know whats happening. I finally reached someone to help last week who tried to help us, but it was not resolved. He said it must be a security issue and its not his department. He said Thursday someone would call me back within 24 hours to resolve it, and no one called us back. I called back again today, and all 3 times, I was told they can not help me, and they either hung up on me or transferred me to the original recording again. This is unacceptable and needs to be resolved immediately.
Consumer complaint received 2022-08-02
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. (GA)

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-08-02
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: Siggi LLC (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Omni Financial Of XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Consumer complaint received 2020-01-18
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 HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX  XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-13
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: Chime Financial Inc (GA)

My Chime Bank credit card was used for {$1000.00} that I did not authorize! I researched the purchase and the shipping address for whatever was purchased was not my shipping address yet Chime associates are telling me that the transaction is legitimate even though I as the customer are telling them that I never used my card with that company, I never authorized them to take any amount of money and Chime will not reverse the transaction and refund me!
Consumer complaint received 2022-12-13
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 (OR)

My account received a payment of XXXX USD on XX/XX/2021, and it is still unavailable. The account is closed and can not be linked to a bank and withdraw cash. Please " XXXX '' help me!
Consumer complaint received 2021-09-01
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. (LA)

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the equifax data breach and my have got into the the hands of the wrong person.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received an unauthorized XXXX transfer for {$3000.00} from my sisters account. I returned the {$3000.00} same day via XXXX using her phone number. She did not receive the {$3000.00} from XXXX and filed a claim with Wells Fargo. 
On XX/XX/XXXX Wells Fargo takes {$3000.00} out of my bank account and credits my sisters account {$3000.00}. WF did not notify or contact me in anyway regarding the removal of every dollar I had. They did not investigate into my sisters account being hacked ; they simply took the money from my account. I had already sent/returned the {$3000.00} same day. When I filed a claim with WF ; they denied and said the funds were used. I disputed that saying they were not used, but returned to my sisters account but possibly intercepted by whoever originally sent the money. They have been " investigating '' my case for over 30 days. I am constantly given the run around by WF. I call regularly for updates hold for hours and they tell me they are still investigating and will call me back. NO ONE HAS CALLED. 
They took {$3000.00} out of my account leaving me overdrawn for over a month!
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

On XXXX at XXXX XXXX  XXXX, I was scammed by someone identifying as XXXX  XXXX XXXX  I found their number on XXXX and called them. They explained my account was disabled ( my reason for the call ) due to fraudulent transactions and mentioned a XXXX XXXX XXXX XXXX XXXXXXXX and others that " red flagged '' the system. At this point I was hooked, because I did the same amount just the other day Then he sent 2 confirmation text messages with my case number and a verification ID. He advised to go through several apps to verify me in order to confirm my identity and unlock it. We went through XXXX XXXX, in which I couldn't fund any amounts he suggested, he asked to look in history if I see any unusual activity, we did same with XXXX and he asked me to create a virtual account and see if it sends money as a security virtual code ( that was also in one of the text messages ). He was Team viewing me from my other phone and basically directing me every step of the way, I was almost under influence and couldn't think clearly. I sent the money to an account a phone number with XXXX, XXXX $ and they said it would show up again in the account as it was only for verification, the money shouldn't go through. At this point, I had to pick up several phone calls and then immediately, at XXXX called the bank JP Morgan Chase to verify this transaction and stop it ( it was showing " under review '' in XXXX  ). I talked to them explained all the error of the situation and they said it nothing they can do and that it was completed. NOTHING! I checked XXXX and saw that it showed completed indeed, just " pending '' in my statement balance probably. 
Did not have any words after that, realizing I couldn't trust my bank also.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX - paid off a lease buyout for {$11000.00} for a XXXX XXXX XXXX that had a lease maturity date of XX/XX/XXXX. 

XX/XX/XXXX - submited odometer reading document and fedex account number to hyundai motor fiance as requested. 

I have called customer service and the lease end dept literally every day sincenpayingnoff the buyout to ensure I had done everything I was suppose to and that there would be no issues or surprises. 

XX/XX/XXXX - XXXX was told that the title was to be released and mailed overnight with my XXXX account number on Friday, XX/XX/XXXX. I would recieve no later than Saturday, XX/XX/XXXX. 

I did not receive the title on XX/XX/XXXX. 

Instead on XX/XX/XXXX when i called to request a tracking number, i was told it woudlnt be mailed out until Monday, XX/XX/XXXX. 

Title was notnmailed on XX/XX/XXXX. On XX/XX/XXXX i was then told that titles are only mailed Tuesday and Thursday. 

I was then told my title would go out overnight from my XXXX on XX/XX/XXXX and i would receive XX/XX/XXXX absolutle latest. 

It is now XX/XX/XXXX and still no title has been overnighted to me. 

From XXXX I have called multiple times every single day to ask for updates, a tracking number, stslatus of title etc. 

I have literally been told conflicting information by every single time. That includes the time I was told on thing by a rep then transfered to a supervisor who gave me the exact opposite on THE SAME CALL! This happened during two different supervisor calls. 

During this time I have also been hung up and cursed at by a supervisor who was responsible for taking escalated calls. His name was XXXX. 

I have been lied to. 

I have lost multiple offers to sell this vehicle due to their continued failure to deliver on the promise of having the title to me by specific dates. 

I was offered $ XXXX for this vehicle by XXXX that was good up until the day after I should have received my title on XX/XX/XXXX. The offer as of today has gone down to {$15000.00} and will likely expire before I get the title if I ever do. They have cost me XXXX XXXX XXXX thus far. 

I have sent at least 30 emails requesting a update and tracking number with ZERO responses. 

Customer service refuses to help and states they have no way to contact the title dept. 

This complaint is my last resort to get any type of hopeful resolution
Consumer complaint received 2022-12-13
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 (CO)

My paypal account received a payment of USD XXXX from a customer on XX/XX/2021, and I have not been able to withdraw it to my bank. I have contacted the customer service representative many times to solve the account problem, please " CFBP '' help me!
Consumer complaint received 2022-08-02
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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