davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: Fig Tech Inc. (GA)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 purpose.
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC (MI)

Dear Bmg money I am writing you to request an investigation of the following on my credit report. 

Dispute XXXX As of XX/XX/2022 my balance owed went from {$5300.00} to {$6000.00}. With this loan status showing as current. 

I also have XXXX closed accounts on my credit report from Bmg money. 


I am requesting that you please provide me with documented proof, that I was aware of an updated amount and up charge on this loan. If you can not provide me with legal proof of my authorization. Then I am demanding you contact the CRA, S and request them to remove this from my credit report immediately.your failure to comply with my request within 30 business days will be my evidence of your willful compliance. Fcra 616, 15 usc Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act PROFESSIONAL DEBT MEDIATION, 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 a account without my written instructions
Consumer complaint received 2022-07-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Giggle Finance Inc. (VA)

I applied for their rideshare employed payday advance loan. I was approved for XXXX yesterday XX/XX/2022 and opted to also pay XXXX to expitite the process and be funded immediately. I was approved and routed to a webpage that said to text ( XXXX ) XXXX to schedule a funding call which I immediately thought odd but I texted it at XXXX am XX/XX/2022 and they responded that a team member would call me during business hours but that they had a high volume of funding requests and it would be hours before someone would call. Nobody called but as I noticed the texts weren't automated responses so I decided to send another testing that theory this morning XX/XX/2022 stating that I am still waiting on a call and also asked as there a number that I could call. It's emergency funding ... approved yesterday soooooo I made it known that I would rather not wait days and days and would prefer to call ; as I should be allowed to call any real financial establishment and stated that it sounded fraudulent. Whomever is texting back on that phone number with all of my banking and personal info responded back that since I was asking these type of questions and seemed dissatisfied that they were canceling my application instead of calling me. I waited 10 minutes and checked the website again and my application is still pending that phone call. Something about this financial company is not right, This doesn't seem to follow any of the federally mandated guidelines or process for these kind of loans. I have a screenshot of the texted conversation and a screenshot taken just as I type this of my account page on their website.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc ()

I held XXXX usdt in my Blockfi.com Wallet which I requested to withdraw on the XXXX of XXXX 2022. In my pending status it said that my funds were expected to be received on Monday XXXX of XXXX. Following the XXXX bankruptcy, Blockfi also went down and paused withdrawals. However, in the terms of service it states that wallet funds belong to the customer and therefore the customer should be able to withdraw these funds. I have no idea what happened and why I am not getting my funds as promised. Please take this seriously, because it appears that many other users are in the same situation, having their lives potentially ruined because of losing large amounts of money.
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NJ)

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 Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-22
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)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I cancelled a trip from XXXX, trip # XXXX. XXXX has a policy to have full refund within 24 hours cancellation. The total Price is {$4600.00}, which includes two parts : 1. the air tickets of XXXX {$3600.00} and XXXX the car rental {$950.00}. In my Chase credit card XXXX statement these are two parts of refund : {$3600.00} and {$950.00}. However in my Chase credit card XXXX statement shows a rebill of {$3600.00} from XXXX. I disputed from my credit card company and contacted XXXX. I called tens of times and was kicked back and forth from Chase to XXXX. Chase said " a significant amount of time has passed since the date of the charge, the merchant is not willing to credit your account. '' I opened the dispute on XX/XX/XXXX. But after 3 months, Chase never solved my problem. Chase said I could only contact XXXX to ask for a refund. XXXX said " A refund of XXXX has been processed by our accounting department on XX/XX/XXXX. No additional charges made since reservation is already cancelled. XXXX insisted that I had to ask Chase credit card to find out the solution. Today I called both companies again each call took me more than 2 hours. Both sides asked me to find the other. The {$3600.00} becomes my financial burden.
Consumer complaint received 2022-08-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, Equifax and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (KY)

On XX/XX/XXXX XXXX XXXX Social security XXXX got deposited in my roar account threw MoneyLion which XXXX Handels there accounts a transaction went threw for {$1100.00} my whole check got an email saying the number associated with my account was claimed by someone else the number was XXXX Have no clue whos number this is my number on my account is XXXX an the funds were transferred to XXXX his roar tag is $ XXXX XXXX whos account my whole XXXX of {$1100.00} dollars went Into I have XXXX that will not have a XXXX over this nor anything I just want the right thing to be done well MoneyLion said they investigated an found nothing wrong I couldnt beleave this
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # 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.
Consumer complaint received 2022-08-22
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. (CA)

I checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX XXXX XXXX  displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i) & FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXXEquifax
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX XXXX  XXXX XXXX I greatly appreciate the help
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

Paypal. 

I have contacted paypal over 3 times by phone and over XXXX times by message. I am unable to purchase things with my credit cards through paypal. XXXX has been completely unhelpful. Attached are screenshots of proof.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

I called the company at ( XXXX ) XXXX to ask why my account was closed. They claimed I closed the account upon finishing payment in 2017. Although I did finish payment, I did not request the account to be closed. 

This error is causing problems on my credit report, as this was my account with the longest credit history. This error has resulted in higher interest loans for me and affecting my quality of life. I want this company to be investigated and my account to be re opened. I did not close it or request it to be closed. This is a violation of my rights.
Consumer complaint received 2022-12-03
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: Synovus Bank (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: TRANSWORLD SYSTEMS INC (GA)

15 USC section 602 states i have the 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 a late for any purpose
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC. (TX)

I have fraud protection due to an exposure of personal information. I got a warning that an attempt from " XXXX XXXX  '' to open a bank account. 
Found : Bank Account Opening Bank : XXXX XXXX I contacted XXXX, and they had me stay on phone while they called XXXX XXXX, a South Carolina branch ( not connected ), and their online bank. None of these banks said that they had an account opened for me or could track the credit request. I was told someone might have misrepresented themselves as " XXXX XXXX, '' recommended I freeze my credit reporting, and that I should report the incident to you.
Consumer complaint received 2022-12-03
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: CITIBANK, N.A. (TX)

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is 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 my credit card account under an open end consumer credit plan as late for purpose.