davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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: Resurgent Capital Services L.P. (CA)

privacy and confidentiality under 15 USC 1681. 
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 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
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

PayPal took {$300.00} from my checking account. They will not tell me why. They will not return it. There is no record of the transaction on my PayPal account and I didnt receive any letter or email explaining why this happened. I have talked to my bank and they say it was all on PayPals end. I talked to PayPal extensively and they refuse to help or return the money.
Consumer complaint received 2022-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (GA)

I was denied credit from this service because I didnt have a co signer nor I agreed to any other contract or commitments to this service Ive tried calling but no representative answered phone I have two accounts that show on my XXXX report that not suppose to be there I need both to be removed from my account that is fraudulent. I never received money from this company,
Consumer complaint received 2022-04-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-10-20
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. (AZ)

I am unable to communicate to XXXX, equifax, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Consumer complaint received 2022-04-02
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: WELLS FARGO & COMPANY (PA)

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX Of XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I ordered a cell phone in white from XXXX XXXX online for {$980.00} and checked out via Paypal with my XXXX XXXX ending in XXXX. XXXX XXXX delayed the order because the color I requested was not immediately available. On XX/XX/XXXX, I cancelled that order. A refund was successfully processed through Paypal and appeared on my XXXX XXXX ending in XXXX. 

On XX/XX/XXXX, I placed a second order from XXXX XXXX online for the same cell phone, but in black, since that color was available immediately. I again checked out via Paypal with my husband 's XXXX XXXX ending in XXXX. After completing the order, I received an email from XXXX XXXX that there was a problem processing my payment. I cancelled that order and decided to try again. 

That same day, on XX/XX/XXXX, I placed a third order for the cell phone and checked out with Paypal. This order was successful, and my XXXX XXXX ending in XXXX was charged {$980.00}. I was able to pick up the phone later that day, and I traded-in my old cell phone and received a refund of {$590.00} on my XXXX XXXX XXXX XXXX XXXX. 

Even though XXXX XXXX said that the payment for the second order did not go through, and the second order was cancelled, my credit card ending in XXXX connected to Paypal was charged {$980.00}. I contacted XXXX XXXX, who told me that they had never received funds from Paypal for that transaction and therefore could not refund me. I initiated a disput through Paypal. Paypal denied my dispute. 

I am owed {$980.00} from Paypal for an order that XXXX XXXX had cancelled and never received payment for.
Consumer complaint received 2022-04-02
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-10-20
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. (IL)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (SC)

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and XXXX XXXX, XXXX  XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; XXXX ) Extended Credit XXXX ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) XXXX XXXXXXXX XXXX ) XXXXT XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES XXXX XXXX ALL LATE PAYMENT Sincerely yours, XXXX XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (VA)

XX/XX/2022 I sent validation letter requesting documents that debt was owed to the company on my credit report. The company responded with a letter stating i owed a different company other than them. The company also reported an different amount thats on my credit report thats in the letter theyve responded with. They didnt send any original documents/contracts with my signature, they sent copies from a bill statement with inconsistencies of the amount owed to an other company than themselves. The letter i sent XX/XX/2022, and their response is attached in this complaint along with screenshots of what amount is stated on my credit reports. I asked them to cease and desist if they couldnt provide documents and they are causing me emotional distress due to financial claims that are hindering me to progress.
Consumer complaint received 2022-09-30
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. (GA)

I checked my consumer report and I noticed inaccurate information on my consumer report I have notified Equifax to correct and remedy this situation be they are being negligent in their efforts to correct and remedy these issues
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I made an online transfer monthly mortgage payment of {$2300.00} from my Wells Fargo checking account to my Wells Fargo mortgage account. Before submitting the payment, I confirmed the amount. Moments after making this online transfer, I received an email from Wells Fargo stating that my checking account had fallen to a XXXX balance, which triggered an interest-bearing credit advance from my credit card to cover recent transactions. When I made my first of several calls to Wells Fargo bank and Wells Fargo mortgage, I was told that my account fell into negative balance due to a {$4700.00} payment " I '' had made to my mortgage account today. I pulled up my mortgage account which shows the following : Balance Details Next payment due on XX/XX/XXXX Next payment details {$2300.00} Last payment received XX/XX/XXXX {$2300.00} When I called Wells Fargo mortgage, they confirmed that a duplicate payment had been made into my mortgage account. I did not make this payment, nor did approve this duplicate payment. I spent over two hours on calls with Wells Fargo bank and mortgage representatives, with both sides saying that the other initiated this duplicated payment. I was initially told that it would take approximately 2-3 business days to return the duplicate funds into my account and reverse the interest-bearing cash advance from my credit card. Then, in my most recent call with WF bank, I was told that it may take up to 10 business days to return these funds that I did not approve Wells Fargo 's moving from my account. In the meantime, I have XXXX funds in my account to cover bills due next week, and groceries I had planned to buy this weekend. I need immediate resolution of this issue ( reference number XXXX with Wells Fargo ) and a full explanation as to a ) how this happened, and b ) how Wells Fargo thinks a customer will wait up to 10 days to have their unapproved transfer of funds restored to their account.
Consumer complaint received 2022-05-19
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: CITIBANK, N.A. (MS)

In Accordance with the fair credit reporting act, XXXX XXXX XXXX  XXXX, bestbuy, XXXX, and XXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX address not mines : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, phone number to be removed XXXX XXXX
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (FL)

hello, i needed a vehicle very badly due to me having a child and needing to get to work in a reliable way. i saw a vehicle that i was interested in so i decided to go see it, i went to a dealership about an hour away from my home named XXXXXXXX XXXX XXXX i really liked the car i went to go see, so weeks prior to me going in person to see the car i was looking at online photos everyday of the car, the pics were not showing the entire interior, only angles of certain parts of the interior, and me being an impulsive person, as soon as i seen the car i was eager for a test drive, i test drove the car and it drove kinda rough, i was still interested, i had {$1000.00} in cash as a down payment, the dealer told me they will put {$1500.00} on the credit application and told me to pay them back the rest when i get paid again from my job, they also added on the application that i was self employed, i didnt really know what to do or say so i agreed with everything, i left with the car with a paper tag, i then got home, where my child was with my mother, i was putting my child in the car and reach for the rear seatbelt, there were no seatbelts in the rear at all, and also in trunk there was sooo much damage so obviously the car was in a accident before me i was in shock and immediately went to call the dealer ship, no answer, i left a text message and didnt get a response til the next day, the message i got said they have someone to install the seatbelts for me, mind you the radio speakers didnt work at all so they said they will fix both at the same day, that was a lie, after 2 months of lying to me about actually getting them fixed, they finalized reached out to me and wanted to help me with my issues with the car, by the time i got the seatbelts fixed my front headlights stopped working out of nowhere and i had to drive at night like that, and the car wouldnt go over 20 mph and sometimes wouldnt start at all, and the worst part of all of this, the car smelled wet everytime it rained outside and began to grow mold right under my childs car seat adapter!!!! after that i stopped driving the car, i grew tired of the issues so i decided to surrender the vehicle, i was paying {$440.00} for this vehicle every month, the vehicle is a XXXX XXXXXXXX XXXX. this has caused me emotional distress, and XXXX because im stressing over a vehicle thats not even worth it and now i have no vehicle and they still want me to pay the {$10000.00} remaining balance on the vehicle loan
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems (TX)

Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

I have XXXX separate student loans with Sallie Mae. Each time I reach out to Sallie Mae, the agents tell me a different option than the previous agent told me when we made arrangements before. 

Throughout my XXXX years of college, I paid interest on XXXXXXXX XXXX the loans. I graduated with a degree in XX/XX/2020 at the height of the pandemic. Unable to find work, I called Sallie Mae to make arrangements for a lesser payment when the loan payments were to commence XXXX months after graduation. 

In XX/XX/2020, I was granted and forbearance and told that when it ended I could request another. When that ended, I was forced to pay nearly {$800.00} a month, but was told that after that, I would have other options available to lower my payments over a longer period of time. That GRP plan recently ended and no I'm told that I must pay {$1000.00} a month, even though I can not afford it, because I only make a fluctuating approx. {$1700.00} a month with expenses. 

Sally Mae is offering ZERO options for young people building a career with limited income to afford student loans and survive, even though I have shown ability to pay a lesser amount. Each time I call they raise the amount of payment and are charging nearly 13 % interest rate. 

It is criminal to not have any options for the customers who genuinely try to pay. Other student loan companies offer a variety of repayment programs, even extending the repayment timeframe. Sallie Mae offers ZERO options which is wholly unfair to consumers dealing with a pandemic, inflation, etc.
Consumer complaint received 2022-10-20
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. (IN)

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, Account Number # 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.