davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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. (NC)

I have mailed out multiple letters to the credit bureaus regarding inaccurate and unknown things located on my credit report. My letters were mailed out on XX/XX/2021 and up until now I havent got any response from them. This situation has caused me to stress out and I need to have it resolved immediately.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (OK)

In early XXXX. I applied for a Wells Fargo credit card. I received a notice to " Un-freeze '' my credit file. I phoned to advise w.f. that I had done so. The rep. verified access and forwarded my application for processing. I then received notice that w.f. " Was unable to verify me '' and they needed more information! They already have all my privacy information what more could they possibly need? It is my belief that they saw I pay ALL my bills in full and didn't see a big enough payday allowing me an account. In the meantime they have all my privacy and contact information on file to share and sell to whoever they want and there isn't a thing I can do about it, I don't have an account to opt out of this!
Consumer complaint received 2019-11-06
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. (NC)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MA)

XX/XX/XXXX : I contacted Banana Republic XXXX regarding an Amazon charge for {$16.00} that I did not make. They informed me, they would have to cancel this card, as the charge was possible fraud. I informed them of an upcoming trip to NY on XX/XX/XXXX. And asked that the card please not be closed as I was traveling with my son and only have one card. They assured me the card would not be closed and to call back upon my return home. 

XX/XX/XXXX : XXXX hours into my XXXX XXXX XXXX I stopped for lunch, where my credit card was declined. I called Banana Republic XXXX customer service who informed me that my card had been closed. They could not reactivate. And I would receive a new card in 7-10 days. I stressed to them that No one mentioned this to me. I was 2+ hours away with my XXXX year old son. No other credit card. And only a bank card ( no logo ). 

I arrived at the hotel. I needed to call a family member to supply me with a credit card for a security deposit. Luckily this was an option for me. 

XX/XX/XXXX : I called banana republic visa to inquire about my card. They said they could resend a new card in 7-10 days. I told them this was unacceptable and asked it to be expedited, no response back. 

XX/XX/XXXX : I have still not received my new card. I called banana republic and asked that my card me overnighted. They refused, stating they do not do this. They offered 3-5 business days, to arrive on XX/XX/XXXX. 

I am completely disappointed with the companys lack of handling this situation. The misinformation given on XX/XX/XXXX could have left me and my son stranded XXXX hours away from home. If I was informed on XX/XX/XXXX that the card was going to be closed I could have made other arrangements, but this was not the case. 

The answer I received from banana republic visa customer service was figure it out. If the hotel had not let me in, I would have had to turn around and journey another XXXX hours home. 

It was scary to be placed in this situation being so far from home. The responses I received from the customer service team and the lack of willingness to help was unacceptable. This has been my main credit card I use for daily purchases, my card is in good standing, and I am disgusted with the way this was handled.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX, I received an e-mail from XXXX Bank telling me that my checking account was overdrawn by {$3900.00}. When I checked my account statement, it told me that Barclays had made two {$4700.00} debits for my XXXX credit card payment. I checked my Barclays account to confirm that I had scheduled only one payment. I called Barclays to ask what had happened and the customer service rep said that there had been a computer problem, they were looking into it, but that there was nothing they could do to return the money to XXXX. The second payment to Barclays was not authorized. XXXX tried to stop the payment and I have to call XXXX to find out if they could do so.
Consumer complaint received 2021-03-26
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 (OH)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX ''
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I recieved an email of paypal and it said that I can't no longer used business using paypal. Before when my account is not verified They e mail me something how my paypal account without limit, and then I just follow the instruction and then they congrats that I am already established seller and my account is unlimited payments then I transact everyday, and now, after transacting every a few months later, paypal sent me an email today that I can't no longer use any transaction o business in Paypal, the problem is I have a waiting payment in Paypal, and according to e email I can no longer recieved money using paypal, I try to go their resolution center but I don't see anything to fix the problem
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

Navient is reporting multiple times and for several different amounts when these loans have been consolidated and put through the US department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.
Consumer complaint received 2022-08-19
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-25
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: Credit Karma (OR)

Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using credit karma and there suggested credit cards for 2 years or better. My first credit card was a suggestion from credit karma and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX XXXX reported to both exifax and XXXX  and they took 126 points. They said because I used to much of the balance, utilization? I get it now. Credit karma offers me another card from XXXX XXXX  to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with credit karma and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My fico from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my credit karma account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also credit karma keeps telling me I have a saving account with them when I don't, never had.
Consumer complaint received 2021-04-06
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. (TN)

On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I look at my credit reports every other day and I knew that could not be true on any new or late payments on any accounts I have on my credit report. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.
Consumer complaint received 2021-09-25
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. (MI)

When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt.

I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. 

As of XX/XX/2021 Discover Bank has still not provided all requested documentation. 

If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX  & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. 

I do require Discover Bank to satisfy these demands immediately.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

A loan account with XXXX is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

Carpio Partners, a collection agency, is reporting ( 2 ) medical debts on my credit reports. 
The agency has not mailed a notice of these alleged debts nor notified me as to the legal disclosures and rights under the FDCPA. 

I have no recollection of these medical debts plus I have medical insurance that would had paid for any medical services provided. 

! - Acct # XXXX -- -- amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019. 

XXXX # XXXX -- -amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019.
Consumer complaint received 2019-11-05
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)

XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc. (WA)

On XXXX XXXX, 2016, RENTON COLLECTION added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Signature for this account debt at all. 
Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2020-11-30
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. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX of 2021 i was a victim of identity theft, a person stole my belongings and my identification and wells fargo debit card were in the wallet that was stolen by the thief, i then reported this to the XXXX police department who were very nice and were able to make an arrest. I gathered all the documents to prove wells fargo i was not responsible for the charges made with my debit card. I even have a XXXX police XXXX willing to confirm this information, when i opened the claim with wells fargo, they decided not to listen to me, or even pay attention. I asked for a fax number or physical address to send the documents that would prove my case and they never gave me an address, they gave me a fax number that is not working, and after denying my claim, they decided to close my account, they never sent me a letter explaining why they denied the case, why they closed my account they simply kept my money, we are talking about more than ten thousand dollars. 

account number : XXXX fraud claim number : XXXX
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.