davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I submitted a complaint earlier in regards to a transaction dispute between Paypal and XXXX ( Complaint ID XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX series and need to reactivate my account for research purposes for my employment. My XXXX account was canceled as a result of the chargeback I asked for after Paypal used a credit card that I didn't authorize when a specified card was declined. When I attempted to reactivate the XXXX account you're asked to choose a payment method. I used the Paypal linked to the email I've always used. XXXX always brought me back to the previous screen saying that there was an error. So I called XXXX and the person I spoke with said there was no block towards XXXX on their end and that Paypal isn't allowing the authorization to link my Paypal to my XXXX account. They suggested I link my card directly and I let them know I don't now, nor have I ever put any streaming subscriptions directly on my credit cards to avoid situations exactly like the one I'm dealing with. So I called Paypal and explained the situation. The agent I spoke with around XXXX XXXX  XXXX told me that they would be able to take my number, call XXXX with me on the phone and sort out the entire situation. They asked for my number and promised to call me back in no more than thirty minutes. I received no call and know that Paypal 's hotline closes at XXXX XXXX  EST. I called Paypal back at XXXX XXXX  EST. I explained my situation for a fourth time yet another Paypal agent and after repeating a bunch of information regarding the issue that wasn't relevant or that I said I already knew, I explained what the last agent said they would call me back to do and the mediation they promised to set up. I asked outright was I lied to by that agent, and the agent confirmed that I had been given incorrect information and that such a thing would never take place and it's not something they're authorized to do. This is the second time Paypal 's agents have lied to me in a way that's insulted my intelligence, wasted my time, and now are jeopardizing my job seemingly as a retaliatory punishment for making them do their jobs not allowing them unilateral authority to charge whichever of my payment sources to whichever merchant they please. Poor customer service is one thing. Outright lying is malicious and unconscionable.
Consumer complaint received 2022-12-02
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (PA)

Purported entity, not registered as an LLC in XXXX, established the website XXXX. They use the name XXXX XXXX XXXX. Previously they were using the false name XXXX XXXX XXXX. They repeatedly robocall consumers, several times per day, and assert a case has been filed against them. 

Company changes name frequently. 

Debts are all outside the statute of limitations for filing a suit or previously disputed debts. 

Company appears to be a false name, possibly affiliated with XXXX XXXX XXXX, as once an agent mentioned XXXX. 

Address is a mail drop. 

Company uses XXXX as telephone. Company uses maildrop XXXX XXXX XXXX, XXXX XXXX, XXXX Ga XXXX as only address. Callers claim they are in XXXX, but no registration with Georgia Secretary of State.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
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. (OH)

I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2022-06-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank lied about purchasing my Mortgage loan debt with their recording of the Assignment of Deed of Trust on XX/XX/XXXX, and had the document recorded at XXXX XXXX Register of Deeds, as it said on the document that it paid value for the Mortgage loan. 

Wells who not entitled to perform a non-judicial foreclosure as it did not hold the Mortgage Note as a party that was owned a debt and was at the time holding the Mortgage Note for XXXX XXXX as the custodian of records and not as debt holder. 

Wells misrepresented to the State of Nebraska that they held the debt but in fact was not owed a debt and could not collect for XXXX XXXX who after the fact they said they were working for to collect a Mortgage debt that XXXX XXXX did not purchase any Mortgage debt as they never extended a loan or purchased Mortgage debt. 

XXXX refuses to provide proof of paying value for the Mortgage loan and their bogus claim that they used in claiming that they purchased a loan from XXXX XXXX on XX/XX/XXXX, to remove the Mortgage loan from the XXXX XXXX XXXX has nothing to do with real estate as the property at XXXX XXXX XXXX XXXX XXXX was illegally sold on XX/XX/XXXX, which no assignment of deed is available because no property is involved as it was extinguish 11 days prior! 

Because neither XXXX XXXX or Wells Fargo Bank had ever paid a value for the Mortgage loan that neither paid monies for or originated so a non-judicial foreclosure is not available to either XXXX or XXXX and did not possess the to foreclose as neither was owed a debt from me! 

XXXX refuses to provide proof of purchase and the fact that they were the custodian of records for XXXX XXXX did not make them Holder in due course, but only the holder of the Mortgage Note for XXXX XXXX who is prevented by US Congress from buying or selling a Mortgage loan! 

Where is the proof of a sell of the Mortgage loan to Wells Fargo Bank as stated in the Assignment of Deed of Trust recorded on XX/XX/XXXX?
Consumer complaint received 2022-07-28
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)

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX 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 2022-07-28
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: Affirm Holdings, Inc (NC)

THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and XXXX multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to XXXX and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.
Consumer complaint received 2022-07-28
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. (SC)

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I booked a flight with Chase XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX flight for Monday XX/XX/2022 ) and used XXXX rewards points to book the flight. Severe weather was going to impact the flight ( according to the email that I received ) and I was told I could reschedule the flight for another day or time. I had to reschedule the flight through Chase ( as opposed to via XXXX XXXX ) since I booked the flight through Chase using rewards points. Chase representatives said I would get a refund of the points or otherwise be compensated for the terrible Chase customer service that I received in trying to rebook the flight ( i.e. I missed an entire vacation spending an hour and a half on the phone trying to resolve the issue with Chase and getting ABSOLUTELY NO WHERE ). Ultimately, I had to pay my own way to grab an XXXX  to go to the airport and speak to multiple XXXX XXXX representative to get the issue resolved on my own. Chase was of no assistance throughout the process. I called to get the update on XX/XX/XXXX regarding the complaint that I filed with Chase on Tuesday XX/XX/XXXX, spent 2 HOURS being transferred from representative to representative and still DID NOT get any compensation or refund of the points as I was told I would get. I asked the Chase representatives for the complaint number so that I had something to refer to but the representatives refused to give me or send me any information they have on file. They also refused to transfer me to another agent who could assist and said they were the highest person in the chain at Chase who could assist in any way regarding my claim.
Consumer complaint received 2022-07-28
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: CITIBANK, N.A. (TX)

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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have disputed errors and inaccuracies on my credit report via Equifax 's online disputing service on several occasions over the past few months and they have yet to be removed. I decided to actually call today, XX/XX/22 at XXXX and spoke with a representative by the name of XXXX XXXX # XXXX from Equifax XXXX XXXX refused to further investigate the inaccuracies I reported that I have already previously disputed. She also refused to transfer the call to a higher representative such as a manager or supervisor or a colleague to better assist me. She told me she could not transfer the call, but I could hang up and call back. XXXX was unfortunately rude and did not perform her duty in a respectful manner, after so long she hung up. I called back at XXXX and spoke with a male representative whose name and associate number I did not get. I told him my issue and before I could finish he immediately began giving me a similar script XXXX did and the phone went silent. I am assuming XXXX was in the background coaching him, he then came back on the line and proceeded to transfer the call as I had asked to be transferred to someone higher than him. I waited on hold for about 30 minutes and the call proceeded to be disconnected on their end. I am not getting any help from the company and it is hindering my credit acquisition.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 a mobile deposit check was deposited into my teen checking bank account without my knowledge. The mobile deposit was in the amount of {$2300.00}. The person then used XXXX to send their selves {$400.00} on XXXX XXXX. On XX/XX/2022 the person mobile deposited another check in the amount of {$3800.00}. The person used XXXX to send themselves {$1000.00}, {$500.00}, {$300.00}, and {$400.00} on XX/XX/2022. On XXXX XXXX the person used XXXX XXXX send their selves {$1000.00} and {$400.00}. They then went on to transfer {$2000.00} to my savings account. On XX/XX/2022 they wire transferred {$2000.00} to a XXXX  XXXX XXXX account. I reported the fraudulent check of {$2300.00} on XX/XX/2022 which was visible to me. Wells Fargo Bank Closed my account and created a new account on XXXX XXXX at XXXX am I saw another check in the amount of {$3800.00}. I called Wells Fargo to report the second check which made my account negative {$6200.00}. On XX/XX/2022 Wells Fargo completed their research on the unauthorized mobile deposit checks. The letter states that Since the deposit ( s ) from your account on XX/XX/2022. The adjustments have resulted in no loss to you. We also reversed any fees charged to your account as a result of the unauthorized deposit. I then called on XX/XX/2022 to see why my account was still negative. I spoke to XXXX in the claims department who told me that the claim was not put in correctly. He gave me another claim number for the XXXX transactions and a research claim number for the checks because they were untraceable. I reached out on XXXX XXXX where I was told the claim was closed on XXXX XXXX. When I asked the claims department employee XXXX why the claim was closed they could not give me a valid reason. I was told for my case to be reopened I would have to file a police report. I filed a police report on XX/XX/2022.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
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: ALLY FINANCIAL INC. (MO)

My title company sent check 1 on XX/XX/XXXX when I signed on my house on XX/XX/XXXX. Part of my agreement was that I had to pay off my car with the money I made from my house. When I called XX/XX/XXXX to check the status because I was reported past due. I was told on the phone that they had issues with mail. 
My title company stopped payment on check 1 and reissued and sent check 2.this was notated on my account. I received a paid in full letter XXXX. Check 2 was reported to have been Cashed XX/XX/XXXX. I went to check on my Gap check and was told it would be 60 days. I went to check on it XX/XX/XXXX and my account was passed due. I contacted them they told me that my check was returned and that it had accrued fees. I have attempted since to talk to some one and have been told that I need to talk to my bank. I discussed this with the title company. Ally told me that if I could send proof of the check then it could be fixed. I sent them this information. I had to contact them again. They said that they didnt have enough information and they rejected the check. That this was returned and I had received more fees. I was told numerous times that I was wrong then I was told that it was just not applied to my account and to give them 1-2 business days to fix it. I contacted them again today and they started the whole thing over again saying that I was late. I needed to pay. That the check was returned. I needed to talk to the bank. I was then told I would receive a call in the next two days while they are processing my case. I have been give concern case numbers and told to call if this is not resolved. When I call I am told it from the beginning. I have to have the same fight each time I contact them. I also need to receive my lien on my car and receive my title.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (MD)

I DID A BARCLAY CREDIT CARD BALANCE TRANSFER ON XX/XX/2022 TO XXXX  XXXX XXXX FOR {$5000.00}. BARCLAY CREDIT CARD CUSTOMER SERVICE STATED THAT IT WAS COMPLETED ON XX/XX/2022 AND XXXX  XXXX XXXX HAD RECEIVED THE TRANSFER AMOUNT OF {$5000.00}. OKAY XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00}. I BARCLAY CREDIT CARD CUSTOMER SERVICE AND TOLD THEM THAT XXXX  XXXX XXXX DIDN'T RECEIVED THE FUND. I STATED THAT WE CAN CONTRACT XXXX XXXX XXXXXXXX TOGETHER SO THEY CAN SEE I AM TELLING THE TRUTH ABOUT XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00} TRANSFER. BARCLAY TOLD ME THAT THEY ARE NOT GOING TO CANCEL THE BALANCE TRANSFER EVEN IF IT'S BEEN PAST THE 10 BUSINESS DAYS XXXX, WHICH IS THERE COMPANY POLICY. THEY STILL WANT ME TO PAY FOR FUNDS I NEVER IN MY XXXX  XXXX XXXX ACCOUNT. RIDICULOUS WHY WOUNLD I DO THAT IT MAKES NO SENSE.