davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: JPMORGAN CHASE & CO. (IL)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-30
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)

I created a PayPal account because I needed to sell tickets to an event I could no longer attend. I created the account very easily able to link my debit card to PayPal. When I tried to link my bank account I experienced numerous issues and had to call PayPal ( waited 45 mins on the phone ) for them to have someone link the account for me. 

When the money was transferred into PayPal when I sold the tickets I tried to transfer the money to my bank account. I received an error message saying they could not verify it was me. I then tried using the PayPal app on my phone.. .again, same issue. 

They purposefully make it difficult to transfer money to your bank account to avoid the 1 % fee they charge if you transfer to your debit card. You then have to call the XXXX number and wait on the phone for 45 mins ( at least ) to speak to someone to have them transfer the money to your account. 

This is a terrible company and one that I would suggest get flagged by regulators. All one needs to do is type in " PayPal Reviews '' in XXXX to see the frustration we all experience. If I had another option on XXXX I would utilize that option but they do not give you another option aside from PayPal. 

They purposefully want you to keep money in the PayPal account so that you buy and sell goods using that account. I am beyond frustrated with them and again point you to numerous complaints on the internet to learn what we all know - they should not be in business... I'll even give you the link : XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (TX)

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that Equifax changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. XXXX corrected about 52 % of the disputed late payments or other bad data and XXXX fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a XXXX government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much stress. If nothing is done, I will be joining a class action lawsuit against your company. XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-03-09
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)

accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-10-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-18
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: CORELOGIC INC (AZ)

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to first send me a copy of my consumer report and than after place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : 1. Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
2. Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing.

3. Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 
My Personal Information is clearly shown below : FULL NAME : XXXX XXXX PHONE : XXXX XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above.
Consumer complaint received 2022-04-25
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. (AZ)

I am writing this complaint due to a number of actions that you have taken that have completely disregarded my rights under the FCRA, FDCPA, AND THE FACT ACT in which you have a legal duty to comply to. Failure to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) You failed to validate a debt at my request, FCRA Section 611 Part ( A ) ( 1 ) which is a FDCPA violation and you continued to furnish a disputed debt. another FCRA violation. You also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me. " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense since I have a track record of you not sending documents back to me. By submitting an Identity Theft Report to a CRA, a victim can stop the CRAs from reporting information resulting from the identity theft on the victims credit report. The CRAs have up to four business days after they accept the Report to block the information. FCRA 605B, 15 U.S.C. 1681c-2. Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). The same prohibition on refurnishing fraudulent information to a CRA applies if the victim files there Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). CRA refuse to correct information after being provided proof of inaccuracy is a violation ; defamation, willful injury FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ) .CRA have not validated debt and they still continue to report FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to CRA 'S abusive and deceptive business practices.
Consumer complaint received 2022-10-18
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, 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 the credit bureaus if they 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 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 2022-04-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Consumer complaint received 2022-03-09
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. (NY)

In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Basically I fell for a scam and the following transactions reflect the money I lost. 

XX/XX/2022 - {$200.00} Through XXXX XX/XX/2022 - {$400.00} Through XXXX XX/XX/2022 - {$350.00} Through XXXX XX/XX/2022 - {$600.00} Through XXXX I already reported all transactions with XXXX. 
Basically someone gave me their bank info to pay off some of my credit cards, the information worked and my balances were 0 on my cards, it remained that way for 2 weeks, then I found out today that it all got reversed ( which is something I did not know could happen ). During the time in between is when I sent money from my checking, believing I was helping the person out and was promised to get it back. This was my first situation of this kind so I am just trying to take all the necessary steps to salvage what I lost.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (MI)

I have an Upgrade card with a {$2000.00} limit. It's on autopay and I've never had any problems until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and credit cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a pre-paid account. You don't receive downloadable bills when you have a prepaid account. So, I took photos with my Upgrade account cards along with my driver 's license. They said it wasn't good enough. I took screenshots of my new phone account information which included all of my information and showed my new phone number. They said that is not enough. I then said, forget it. I guess I won't be able to get into an account that I am STILL making monthly auto payments for. Then, I asked if they could ( at least ) please remove the old phone number because I obviously have no access to it any longer. If that is my verification method and I don't have access to it, that's a security risk. Well, it's still on there. They will NOT allow me to update my phone number and therefore I have zero access to this credit account that I am still paying monthly. There have been numerous communications by phone and email. I don't believe it is right that I'm telling them I have no access to my old phone number and they leave it on the account anyway creating a security risk. Also, the rule that you have to have a downloadable pdf bill for your phone is ridiculous. I have EVERYTHING to verify who I am but that's the only thing they will accept. They're basically saying that if I don't have a contract phone or a landline, that I can not change my phone number with them and thus can no longer access an active account of my own. I need help.
Consumer complaint received 2022-10-18
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. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-18
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : XXXX 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 2022-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TX)

Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX  who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TN)

I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.
Consumer complaint received 2022-10-18
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX. 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 records of convictions 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.