davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase.

The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. 
On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. 
Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts.
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax ; XXXX  and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax ; XXXX and XXXX are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax and XXXX are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. Equifax and XXXX are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet Equifax and XXXX continue to report out of date past due payment history.
Consumer complaint received 2022-07-29
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX XXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}
Consumer complaint received 2020-03-13
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. (AR)

I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022, I had an issue with fraud on both my online banking and also in branch withdrawal fraud. To begin someone was able to access my online banking and transfer funds from my savings to my checking account and then make two separate in branch cash withdrawals. On the morning of XX/XX/XXXX, I realized what had happened, so I immediately went and spoke to my local Wells Fargo branch. In doing so I took all precautions that I possibly could including filing fraud claims for the online transfers and also a separate one for the in-branch withdrawals. In addition, I also set up new checking and savings accounts to further prevent any additional fraud that may happen. One of the withdrawals what's for the amount of {$6000.00} and the second was for {$6500.00} for a total of {$12000.00} lost. Since the claims were filed, I have kept in almost constant communication with my local Wells Fargo branch and the online fraud help center. This communication has been reciprocated very poorly and I have learned a little on my situation.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter on XXXX to Equifax, XXXX, and XXXX regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the Equifax data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/XXXX XXXX
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OH)

Back in XXXX we switched bank accounts and had to contact our mortgage company to inform them. We are enrolled in the budget program, in which they split our monthly mortgage and we pay twice a month. We have called the mortgage company EVERY WEEK since XXXX ( it is XX/XX/XXXX ) about our complaint. The main issue, at first, was that they, for some reason, could not switch our payment to come from our new bank account. They kept saying it was on the bank 's end and that our bank account was closed, which it was not. We followed up with the bank and, of course, our bank account was open. The problem seemed to be that no matter how many times we gave them the new bank information, EVERY single time they entered our old bank info ; therefore, our payments were not coming out as directed and were late. After hours upon hours on the phone with the mortgage company and MANY " supervisors '' later, they FINALLY " fixed '' the problem. Or so we thought. On a random day, WITHOUT OUR APPROVAL, the company deducted the full amount of our mortgage from our bank. We had absolutely no idea this was going to take place ; therefore, sending us into overdraft. Which in turn produced hundreds of dollars worth of overdraft fees. It seems that no matter what we do, we can't catch up. We are constantly having issues with this company and constantly getting fees with our bank because of their careless mistake. The mortgage company said that because we faxed the " wrong '' paperwork ( which isn't true, because they gave us the papers to fax MULTIPLE times -- I faxed probably around 5-6 times ), they decided to take out our full payment and remove us from the budget payment plan. We are BEYOND infuriated, mentally/physically/financially exhausted. I would never, ever recommend servicing your mortgage through this loan company. The amount of stress this company has put on our family is unbelievable. We have lost countless dollars and countless hours with our children sitting on the phone with a different person that knows absolutely nothing about anything.
Consumer complaint received 2022-03-22
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)

I tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-05-06
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-08-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.
Consumer complaint received 2018-04-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: First Data Corporation (CT)

The Company I work for was using accepting credit cards sales using 'XXXX XXXX XXXX XXXX XXXX XXXX ' for processing. Back in XX/XX/XXXX we switched processing companies, because the rates we were being charged were very high. To make sure our new systems was to our liking, I did not cancel the original account until XX/XX/XXXX. I was told to submit my request by email or fax, I choose fax, I addressed the Cancellation Department at XXXX, as instructed requesting notice to cancel our Merchant Account # XXXX immediately. I have the faxed Transmission Verification Report, with date and time. They did charge us in XX/XX/XXXX, which I am not deputing, but then again in XX/XX/XXXX, our Company bank account was debited {$82.00}. I tried to contact the credit card company, but was put on hold so long, I had to hang up. Then in XX/XX/XXXX they charged us again {$82.00}. Finally on Wednesday, XX/XX/XXXX, I was persistent to reach someone and straighten this out. Spending over 45 minutes on the phone I spoke to XXXX at XXXX. She said they never got our faxed noticed and she checked their fax machine and it didn't show it was received. I resent with the fax print out showing original date & time. She told me " anyone could have changed time & date ''. Basically calling me a liar. I asked to speak with her Manager, again I was out on hold for 20 minutes, until she came back stating he said they could only credit me one month. I said I have proof, obliviously someone on their end drop the ball in XX/XX/XXXX. She won't let me speak to a Manager, I asked several times, I got " he's on another line '' and then " he's not in his office ''. She even accused us of using their services in XX/XX/XXXX, when their bill clearly shows No Activity. As I stated i have no problem with the XX/XX/XXXX charge. She asked why didn't I call earlier, and I said I tried but I can't be on hold as long, this call is already 45 minutes. So, I called my bank person and he said we were charged again in XX/XX/XXXX, {$82.00} and he suggest me to contact you. First, I did leave a voice message yesterday saying I was going to do this unless I hear back from them within 20 minutes. Of coarse, no call. It's not a whole lot of money, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX total {$240.00}. It's the principal. I feel this is either a scam or fraud on their part. It just not right.
Consumer complaint received 2021-05-06
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)

I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

Due to an issue with my bank and an ACH deposit not posting in time, a payment in the amount of {$50.00} was returned on XX/XX/XXXX, a late fee or insufficient funds fee charged same day in the amount of {$15.00}. A replacement payment made on XX/XX/XXXX in the amount of {$50.00} has cleared.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I had a student loan with XXXX  XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX, and XXXX  have been reported to with these invalid dates.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I submitted a Borrower Defense Application in XXXX for XXXX XXXX and it was closed without reason. XXXX XXXX took me to court couple of years ago trying to sue me for {$6200.00}. The case was dismissed. If student loans paid this off.. why did they take me to court. They have been fraud from the beginning. Misleading and fraudulent. I am {$100000.00} in debt w student loans due to XXXX XXXX. They have stolen money from me and now I am fighting back.