davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Case Number : XXXX Merchant : XXXX Transaction Date XX/XX/2020 Amount {$100.00} The remote control I purchased on XXXX was defective. I contacted XXXX and they told me to return it and provided return label. I returned the product 0n XX/XX/2020 via XXXX Tracking Number : XXXX. Since then XXXX refused to issue a refund. 
I opened dispute with Capital One and was told to provide proof of return and letter that explains the situation. Capital One received all requested documents on XX/XX/2020 hence refused to resolve my dispute. 
The Consumer Rights Act gives me the statutory right to return something and get my money back if it's faulty. I provided proof of return and Capital One still refused to resolve my dispute. I called multiple times and agents are rude and not helpful.
Consumer complaint received 2022-08-15
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
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)

XXXX XXXX from XXXX is dishonest. We were rate shopping and spoke to XXXX at XXXX to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (TX)

I got referred to Albert by my friend and their joining terms promised to pay {$500.00} to me after completing the qualifying activities for the first 3 months ( direct deposit and debit card purchase ). After a few days of joining, I confirmed this over text support and they verified the same saying that they see me being referred by my friend which makes me eligible for the bonus. However, after meeting all the criteria I don't see {$500.00} yet deposited into my account. 

Also, after joining Albert, I referred two of my friends for a {$500.00} bonus each ( 2* {$500.00} = {$1000.00} in total ) and they joined via my link & completed their activities as well but I don't see any {$1000.00} deposit in my account for referring them. 

But now after a few months, when it comes to paying the bonus, I tried to contact Albert over email and they said they don't see I was referred by anyone which is not true. 

I hope this is not the experience you would like your customers to face. Please resolve this and my account should be deposited {$1500.00} in total ( {$500.00} for joining and completing activities + {$1000.00} for the 2 friends I referred ). Thank you.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (LA)

Last XXXX I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.
Consumer complaint received 2022-07-12
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)

The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My checking account was hacked and someone used it to pay XXXX dollars to themselves and I informed chase and they didnt want to reimburse me for the fraud and it happened around XX/XX/XXXX, and XXXX.
Consumer complaint received 2022-07-12
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. (AR)

In accordance with the Fair Credit Reporting act 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 2019-11-26
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. (SC)

I have student loans on my credit reports from XXXX, XXXX, and Equifax that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as SC Student Loan , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but Equifax and XXXX are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from XXXX-XXXX.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.
Consumer complaint received 2022-08-15
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: GOLDMAN SACHS BANK USA (FL)

GOLDMAN SACHS IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Consumer complaint received 2022-07-12
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. (FL)

I sent dispute letters XXXX times : XX/XX/2022 and on XX/XX/2022. As of today 's date I still have not received any kind of letter stating what is the status of my dispute. I have a XXXX account reporting inconsistent lates hurting my credit and I have XXXX reporting a collection that I do not owe. My credit report also does not reflect the accounts in dispute which is a violations of the FCRA. The creditor should list the account in dispute, please see my attached dispute letters.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have a Us bank business Account number XXXX, and Routing number XXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX exemption status, Us bank business account number XXXX, Routing number XXXX are partially closed without the XXXX XXXX XXXX XXXXXXXX XXXX, authorization or merit. The Us bank business account XXXX are partially closed with {$21000.00} dollars on hold, inside the Us bank business account, and blocking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Board of Directors access to the {$21000.00} Capital without any explanation. Us bank Corporate are using Unfair business practice, Deceptive Trade practice, and unfair competitive actions against our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Us bank Corporate Office, Unfair business practice against XXXX XXXX XXXX XXXX XXXX non-profit organization are deemed as a form of discrimination from within Us bank managerXXXX Branch XXXX This Unfair business practice action by Us bank XXXX XXXX XXXX XXXX XXXX XXXX are aimed to destroy XXXX XXXX XXXX XXXX XXXX XXXX, growth and expansion in the United States Of America 's Economic system.
Consumer complaint received 2022-08-15
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. (NY)

I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A. (CA)

XX/XX/2018 {$6500.00} Attempted to contact company and no response. I have no idea what this debt is in regards to, as I do not have any accounts in collections. Nor, do I plan too. This sounds very suspicious to me and the fact that I couldn't get anyone to talk to me. 
Law office of Berman & Rabin P.A. 
XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-11-04
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 (WI)

The PayPal account can not be withdrawn. I contacted PayPal customer service many times, and uploaded my identification information. The system still does not allow me to withdraw cash. There are often problems with the PayPal system. please help me.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CO)

Rent Recovery Solutions LLC claims me and my roommate individually owe {$310.00} as of XX/XX/22 to XXXX at XXXX XXXX. We paid all of our bills in a timely manner and XXXX at XXXX XXXX even sent us reimbursement money from our security deposit upon move out on XX/XX/22. So us owing money makes absolutely no sense. We also never received any emails or calls indicating we ever owed any money, which is illegal to automatically send debt to a debt collector. We have contacted XXXX at XXXX XXXX multiple times and its been weeks since they said they would contact us back, but havent every time we reach out. Please make sure this never happens again.
Consumer complaint received 2022-10-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-11
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 have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on equifax. Equifax keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. there are XXXX XXXX XXXX  accoutns with the same error! they will not remove it.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

On XXXX XXXX XXXX, my Costco Anywhere Visa Credit Card was used in fraudulent activity. When I became aware of this charge ( via email statement from Citi Financial on XXXX XXXX XXXX ), I immediately notified Citi Financial to dispute this charge. The charge was for {$410.00} on XXXXXXXX XXXX XXXX, at XXXX XXXX. I spoke with XXXX in Customer Service. She informed me that they would close my card and issue a new one. XXXX further advised that I should pay the minimum payment due on my account so it would not get behind??? I replied to her, " I had never heard of having to pay for something/charge you were disputing ''. She replied, " we have to tell you that ''. On XXXX XXXX XXXX, I received an email from Citi stating in part, " that they had reduced my minimum payment due to {$41.00} for the month of XXXX due to my billing dispute. However, the original payment due was {$41.00}. On XXXX XXXXXXXX XXXX, I received communication saying, " Citi was looking into the dispute I filed, and I would not have to pay the disputed transactions or related charges while they were going through the investigation process. On XXXXXXXX XXXX XXXX, I received an email alert from XXXX XXXX, saying, " there was a change to the remarks listed on my XXXX credit report regarding my CITICARDS CBNA account ''. When I logged into my XXXX XXXX account, the remark said, Dispute resolved, customer disagrees. 
Upon this discovery, I contacted Citi Financial. I was told by XXXX in the XXXX XXXX Department that my dispute had been resolved on XXXX XXXX XXXX. I informed her that I had not been notified. She said a letter was mailed on XXXX XXXX, XXXX, which I have yet to receive?? I proceeded to ask her, " how was the dispute resolved ''? XXXX told me that the merchant said, " my card was present at the time of the transaction ''. I replied, " I have and have always had my card in my possession! There may have been a card present, but it wasn't mine nor was it me! 

Since the merchant has stated that a card was present for the transaction in question, I am requesting video/camera footage from the merchant for the transaction in question. I'm sure through Citi Financials ' thorough investigation efforts, they already possess the necessary video footage, cash register #, cashier #, time and date of sale, as well a photo to substantiate their findings.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022, Paypal permanently limited my Paypal account without providing any valid reason. 

When I ask for a reason, they say there's a " potential risk '' on my account but refuses to tell me what this risk is supposed to be. 

They won't release my fund to me as a result and was told I have to wait for 180 days to get it. 

However, upon research I found out that they never even give it to you after 180 days. 

https : XXXX I asked them to at least refund the money back to the original buyer of my service if they can't release the fund to me but they won't do that either. 

I can't even log in to their system anymore because they locked me out. They told me I should be able to log in again after 24 hours but I can't trust them. 

Please help me out. I will provide you any personal information necessary if asked to provide. You can do a background check on me with FBI, CIA or whoever because I am an innocent law-abiding citizen.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

I have requested a refund of my student loan taken out in XXXX for {$5500.00} which was paid off in full during the Covid forbearance period so that I can apply for forgiveness. I made approximately {$4700.00} in payments to Fed Loan Servicing before my account was transferred to XXXX. I made the last payment of {$830.00} to XXXX. I received a refund from XXXX for {$830.00}, and my balance on the loan increased to reflect that. I have been calling Fed Loan and XXXX since XX/XX/XXXX trying to get the remaining {$4700.00} refunded so that it can be forgiven under the Biden plan. I have spoken to probably XXXX people on both companies that have told me so much conflicting information I want to pull my hair out. I would like to get a straight answer if that is possible. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (TX)

I have recently been a victim of fraud and theft. I have loss over XXXX with my MoneyLion Debit. MoneyLion are claiming that the dispute I processed was authorized by me due to the days apart from the transactions. I have appealed this decision and submitted appropriate documents to show that indeed my wallet with debit information social and account information was stolen. I have also reached out to the merchant for resolution which they were unable to help. I am not left to try and resolve this issue through alternative routes. 

The latest appeal MoneyLion is now saying that they are denying it due to it being in XXXX which is inaccurate they were in XXXX. I fear the longer they take to review appropriately my account and documents the harder it will take for me to recoup my funds back. 

This has caused me to be on the verge of eviction and months behind on bills. I hope MoneyLion reviews my dispute appropriately and resolve this matter ASAP.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (TX)

I recently checked my credit report and noticed a account that resulted from identity theft. In XXXXXXXX XXXX XXXX  someone created a account with a company called westcreeck financial in the amount of XXXX. This account does not belong to me.