davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent in letters to Equifax to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to XXXX to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Consumer complaint received 2022-06-09
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)

Hi I am submitting this XXXX 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 XXXX 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 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

CFPB + JPMCB, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

sent a letter of validation return receipt requested which they received XXXX XX/XX/22. They did not respond with all information within the 30 days allowed. therefore they must remove it from my credit report. They have instead reopened this account.
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

When researching the collection agency, IC System, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact IC System and instruct them remove this debt from my credit reports. 

RE : IC SYSTEM - NMLS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED COMMUNITY BANK (AL)

United Community Bank engaged in unfair and deceptive practices by drafting what I thought was an inactive/closed checking acct for several years triggering an overdraft protection line of credit to pay an insur pmt I'd assumed was long terminated. They then paid the line back with the excess overdraft proceeds remaining in the checking acct. This obviously occurred for years all the while the bank collecting interest with no attempts at notification. They apparently only contacted me after the line of credit reached it's max limit and became past due. 

This company acquired my prior bank, XXXX XXXX, but both had my forwarding address & only recently contacted me demanding past due payments.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On I filed a complaint ( XX/XX/2022 ) against, EQUIFAX requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days. EQUIFAX has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .EQUIFAX has fail to provide me proof of verification. So, at this time, I ask that you step in and have them delete this fraudulent accounts. Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.
Consumer complaint received 2022-10-23
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: DISCOVER BANK (OR)

My name is XXXX XXXX I am writing this about my Discover card # XXXX my address is XXXX XXXX XXXX. XXXX, XXXX. XXXX. My phone number is ( XXXX ) XXXX. 
On XX/XX/XXXX and on XX/XX/XXXX I had to take my husbands to the DR. and they made us pay up front for the charges, The first charge was in the amount of {$330.00} and the second charge was {$560.00}. Our insurance company paid these charges, and the XXXX XXXX wouldn't credit them back. So, I filed a dispute and sent a copy of the insurance payments over to discover as proof of the double payment. In the meantime, I had a fraud to my account from XXXX XXXX, so discover changed my account #. That dispute was done correctly. I never received a credit for the dispute of the XXXX bills and on XX/XX/XXXX I was charged again for the XXXX XXXX bills. I have called about 13- or 14-time spending over an hour each time on the phone with discover to get one of the credits applied to my account on XX/XX/XXXX. then on XX/XX/XXXX I received a partial credit for the other charge. I received a credit of {$820.00}, this credit I am unable to send a copy of because I closed the account and can't access it. When you add the two charged together, they total {$890.00}. They still owe me {$70.00} for the bills and I should also receive the interest that I have been paying on these charged since I never received a credit and was charged again. I also requested to file a formal complaint and they keep telling me that a supervisor will call me back in 24 to 48 hour and no one ever does. I now canceled this card and want the credits applied to my account along with interest. Before I pay it off.
Consumer complaint received 2021-08-03
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 (IL)

Hello, My complaint is with Paypal.com. For a long time now I have used them as a payment processor to sell clothes/shoes through a different site called XXXX. XXXX on XX/XX/XXXX I get an email saying " You can no longer use PayPal '' along with the following description " After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' Additionally when I log into the site I get a similar message but they add in the following " At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I have read the User Agreement and I don't believe I have done anything wrong that would violate this. After talking to support with XXXX XXXX and on the phone they refuse to give more information or a resolution. What I did after that is open a second account to continue selling but that got shortly the same message. 

After also looking through their community posts it seems like multiple people have had this issue to no avail " https : XXXX ''. I simply want my account back ( either or and close the second one ) so I can continue selling through XXXX since unfortunately PayPal is their only payment processor.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I had my XXXX XXXX loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to XXXX. It has been over a year now and XXXX has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank XXXX XXXX XXXX and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost 2 hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to XXXX. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

I received a letter from XXXX XXXX that was attempting to collect a debt from a PayPal account that was opened in my name. I do not have a PayPal account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

XXXX XXXX letter dated XX/XX/2020 for {$61.00}
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I received a letter from Jefferson Capital that was attempting to collect a debt from a XXXX account that was opened in my name. I do not have a XXXX account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

Jefferson Capital letter dated XX/XX/2020 for {$61.00}
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

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 more then 48 times nonstop this is exhausting 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-08-24
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Amerifinancial Solutio originally XXXXXXXX XXXX XXXX XXXX XXXX was opened on my credit report as of XX/XX/2020 in the amount of {$1400.00}. I have no knowledge of this debt and it does not belong to me.
Consumer complaint received 2022-10-22
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: Upgrade, Inc. (CA)

have a problem with XXXX XXXX and with particularly with Upgrade Card. I was misled and lied to. Given completely false promises that were never honored. All my efforts for peaceful resolution did not go well. Upgrade Card would not honor what they promised. 
Let me start from the beginning. I was referred by XXXX XXXX to apply for Upgrade Card with a {$400.00} signing on bonus. From the start, Upgrade gave me lies. First they told me ( and I have all e-mails from them to prove it ) to provide some documents and the half of the approved {$2000.00} credit will be available right away. That never happened. It took them a month and a half to have the money available. Okay, I let it go. No problem. However, when I inquired about {$400.00} that was suppose to be given to me as a credit after 3 months of having my account in a good standing they told me that I should not be worrying everything will be posted to your account next billing cycle which suppose to start in XXXX. That never happened. I tried calling back again but this time they told me that I should have opened a checking account with them and fund it. I did not do that therefore I am not eligible for promotion. That was a shock to me. It was never in the picture before.I even tried talking to superviser but they started saying same thing. It only started in XXXX. That's when I supposed to see the credit they promised.
Consumer complaint received 2022-08-02
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. (NY)

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 XXXX 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 2022-09-29
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. (TX)

There are several years on my credit report that payments have not been reported by Equifax. they have failed to report several years of my payments on at least 2 of my mortgages with XXXX XXXX. XXXX. I tried disputing on line and it tells me to try back later.
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Consumer complaint received 2022-08-24
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 have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with.