davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (NV)

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.

The following Account ( s ) : Account # XXXX Original Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1300.00}
Consumer complaint received 2022-07-29
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. (GA)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Consumer complaint received 2022-11-19
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: LEXISNEXIS (TX)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

I filed my taxes on Credit Karma This year. Credit Karma offers to speed up the time of your refund if you allow them to open a Credit karma Visa card Issued by XXXX XXXX. I trusted Credit Karma, it is a Visa debit card and I also trust XXXX. So I allowed my refund of {$4800.00} to be deposited into this account. I received the card and used it for the first time on XX/XX/XXXX at XXXX in XXXX XXXX Florida for the amount of {$240.00}. I only used the card one other time on XX/XX/XXXX at a restaurant named XXXX, also in XXXX XXXX Florida in the amount of {$60.00}. I tried to use my card a few Days Later at a XXXX in XXXX XXXX Florida and the card was denied. I thought that was odd So I checked the cards status when I got home only to see that the card was bled dry by a bunch charges in Illinois and Wisconsin. I never lost the card, nor et any on have it nor gave anyone permission to use the card. These charges were totally foreign to me so I called the number on the back of the card ( XXXX ) to file a dispute. Maybe 2 days later I received an email on XX/XX/XXXX Stating that there was an update to the dispute I had made. I clicked the link which brought me to the Credit Karma website where it showed my negative card balance and a link to a PDF which I will attach. On the PDF is shows all the disputed transactions and a note at the bottom that more or less said that I authorized those purchases and therefore my claim was denied. It wasn't until that time the I realized the one of the charges on the was one I had made and was accidentally included in the dispute. That was the charge to XXXX restaurant on XX/XX/XXXX for {$60.00}. But the vast majority ( {$4500.00} ) was still fraudulent and stolen from me. They also stated the I have a right to any copies of the documentation they used to come to that conclusion and give a customer service number to call. I called the number to receive that information. I was a call center in the XXXX and the person I spoke to had nothing to tell me other than I will receive a letter in the mail which will have instructions as to how I can appeal the decision. There's no way they have any documentation of me giving permissions to use my card unless that document is also fraudulent. I would like to see that information.
Consumer complaint received 2022-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

SUMMARY : ORIGINAL FEDERAL STUDENT LOAN PRINCIPLE {$14000.00} UNPAID FEDERAL STUDENT LOAN AMOUNTS {$10000.00} ORIGINAL PRIVATE STUDENT LOAN PRINCIPLE {$24000.00} UNPAID PRIVATE STUDENT LOAN AMOUNTS {$57000.00} TOTAL COMBINED FEDERAXXXX & PRIVATE PAYMENTS ( Please see attached document ) {$34000.00} Important to note : NAVIENT SET-UP PAYMENT ARRANGEMENTS FOR A DAY AFTER THE PAYMENT DUE DATE AND THEN CHARGED LATE FEES FOR A TIME BEING. 

Federal Student Loans # 1 Original principle {$2600.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2200.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$3800.00} Unpaid interest {$3.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX XXXX receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2400.00} Unpaid interest {$2.00} Interest rate 2.32 % # XXXX Original principle {$2600.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$1500.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$870.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid XXXX {$370.00} XXXX XXXX {$.00} Interest rate 2.32 % ___________________________________________________ Private Student Loans # XXXX Original principle {$11000.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid principle {$29000.00} XXXX XXXX {$120.00} Interest rate 10.50 % # 2 Original principle {$13000.00} Disbursement date XX/XX/XXXX XXXX XXXXe XXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient Private Loan Trust Unpaid principle {$27000.00} XXXX XXXX {$100.00} Interest rate 9.50 %
Consumer complaint received 2022-12-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IA)

Equifax website won't allow submission of documents. only after a complaint was submitted has this happened due to their failure to respond to a dispute of XXXX XXXX XXXX that has exceeded well over 90 days which is a violation of FCRA, and company has failed to provide verifiable evidence or provide evidence that this company has not violated FCRA and HIPAA laws. I am submitting documents through XXXX. equifax 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. EQUIFAX is still reporting this collection on my credit report, which is considered to be a collection activity. EQUIFAX is in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees
Consumer complaint received 2022-07-01
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. (IL)

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( 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  )
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

Hello, On XX/XX/2022, I received a XXXX XXXX XXXX XXXX XXXX  notice in the amount of {$24.00}. The agency account listed is XXXX for a debt with the Superior Court of XXXX XXXX ; where Alliance One is listed as the collection agency. I have never been notified by Alliance One about a debt being collected by them. 
I called Alliance One to ask about the XXXX XXXX XXXX letter that I received 3 times on XX/XX/2022. The agent XXXX hung up the phone two of those times- before giving me any information about this collection account. 
I then contacted the Superior Court of XXXX XXXX to find out if this was accurate. The information Alliance One used to file an intercept request against me was not accurate. This collection agency ( Alliance One ) remitted a XXXX XXXX XXXX to the XXXX XXXX XXXX  in my name for {$24.00}. 
I made a payment arrangement directly with the Superior Court of XXXX XXXX for this Traffic Citation this issue should not be in collections.
Consumer complaint received 2022-12-02
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 (AR)

PayPal Is well knownAnd from research that I've done on my own this is why they put ahold on your account it's because that's the only way they make money when they put ahold on your account they then gamble with your money trade it on the stock market and then 9 times out of 10 they will not remove the hold and that is what they Did to me the. I have XXXX I used to get paid through using PayPal by my clients a lot of them Never had an issue with PayPal until around XXXX of 2020 I had transferredMost of it to my bank but it had left The {$2100.00} In my PayPal All of The setting my account is restricted I did everything they asked and they never Released the hold PayPal is nothing but a scam and thievesDid n't violate any of their policies or rules or have any suspicious activity. That's just a big XXXX  lie they tell people Because PayPal does not make money on their products they make money by putting ahold On consumersOn consumers Account so they can gamble with that money then they usually never end up releasing They act like they're a bank but they're not So I am rescending my signature for the contract they supposedly have but can't produce. I want my money back They are breaking every law in this industry they can't just take people 's money and keep it even though that's what they do it's because nobody seems to shut them down and they should be shut down Because they are scamming hard working consumers money Like Pirates
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

From XX/XX/XXXX to XX/XX/XXXX, I bought goods through PayPal with a seller from New Jersey ( XXXX XXXX ). The seller cheated me by some pictures to pay XXXX funds through PayPal, totaling {$24000.00}. The main behavior of the seller is : no delivery or wrong delivery ; On XX/XX/XXXX, I initiated a dispute on PayPal. I uploaded a large number of seller 's evidence. After PayPal 's review, I received my refund of {$7300.00} on XX/XX/XXXX. On XX/XX/XXXX, PayPal sentenced me to a failure of {$6500.00} because I initiated multiple disputes, so my account was warned and I was judged as a failure. 
For example, for two payments of the same order, one of them gave me a refund, and the other one did not give me a refund. The evidence I uploaded was not reviewed fairly, but was only warned by the account. 
The seller also agreed to give me a refund during the dialogue, but PayPal really imposed an unfair punishment. I would like to complain about the fraud of the seller in New Jersey and the unfair review mechanism of PayPal. 
I hope the seller 's fraud can be punished, and PayPal can fairly review the dispute. 
I am a PayPal user from XXXX. I hope that the US government departments can make relevant actions against the fraud of US sellers, so that PayPal officials can give me a reasonable explanation
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/22, I deposited {$830.00} into chase atm in XXXX georgia on XXXX XXXX. I received a receipt with no amount and a message to call a number to make sure my deposit went through. After contacting the bank they granted me a temporary amount of {$830.00}. On XX/XX/22, {$560.00} dollars was taken out of account as a reversal claim. After talking to the bank, they said they only recovered {$250.00} of my deposit after an investigation. This is unacceptable.
Consumer complaint received 2022-06-08
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. (MI)

n accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXDISCHARGED ACCOUNT # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 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 2022-06-08
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)

XXXX XXXX XXXX  XXXX # XXXX, n 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2022-09-22
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. (NV)

I have been a victim of identity theft and my information was found on dark web and Equifax data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed 1,000 per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D
Consumer complaint received 2022-07-01
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)

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 may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX 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
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (OH)

I have been a customer of Robinhood for over a year. I have a debit card with them as well as doing some trades. 

They restricted my account to verify my identity, their app to verify my identity won't work. 

They won't let me trade, withdraw my money or spend money on my debit card and they are taking too long and not taking this process seriously, it has been close to 2 weeks. 

At first it seemed like a standard thing to do however after they restricted my account they withdrew {$5000.00} USD from my account and locked that up as well. 

I asked them 'if they were afraid that I wasn't who I said I was why would they restrict everything except taking more money out of the bank account in question and locking that up too? ' They did not give me a satisfactory answer, nor did they reverse the {$5000.00} USD debit from my account and it has been close to 2 weeks with 0 access to my funds without any answer.
Consumer complaint received 2022-12-02
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX  ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX Acc # 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 record of conviction 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 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

Had an Apple Mastercard through this company which I paid off and closed numerous months ago. However; on XX/XX/2022 a merchant was able to process a refund to card ending in XXXX for {$740.00} ( proof attached ). The business knows it is a closed account. The business has the refunded money. The business owes me a refund! The business needs to immediately issue me the amount in a refund check!