davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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 (MS)

I have filed one complaint to paypal with this email address and I had another account for business and I sent XXXX to my sister and it went thru ok and then I guess they got the first complaint and now they have put a hold on the XXXX where she can't get the money and want all kinds of ids I sent in an personal id and not that they are complete they are asking bor credit card statements and they are debit cards and some of them I don't even have any more 2 of them because I had to get different ones on the local bank here because they were hacked. and the other thing they are asking for is for me to resolve the account for XXXX and that is the one where they are h olding so much of my money. I can't resolve something they won't let me do anything in they have closed that account, they are mad because of the complaint against them. The paypal business account is XXXX. My sister can't get the money I sent to her because of this. These people are so crooked. I just want them to let my sis have the money I sent her and my money out of XXXX account which is now XXXX and some few cents it has gone down about XXXX and they say that they haven't issued anyone a refund but the money went somewhere. Please help me with these people
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: Experian Information Solutions Inc. (KS)

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 2022-04-24
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights Account # XXXXXXXX XXXX, has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX had violated my rights Account # XXXX XXXX XXXX has violated my rights Account 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 2021-06-25
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AZ)

This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents
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. (KS)

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 2018-07-30
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: Nelnet, Inc. (MA)

I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (CT)

I refinanced my mortgage with MLD Mortgage on an investment property I own on XX/XX/XXXX, which included escrow for the property 's taxes and insurance. My insurance company, XXXX XXXX, issued bills to MLD Mortgage on XX/XX/XXXX and XX/XX/XXXX before sending an overdue bill directly to me on XX/XX/XXXX. After 2 calls to XXXX XXXX and 3 calls to MLD Mortgage, I was finally able to reach someone at MLD Mortgage on XX/XX/XXXX who confirmed payment was not issued at closing on XX/XX/XXXX as it should have and placed the request for payment, stating it would take 24 to 48 hours.

Despite being 3.5 months late on payment, when I inquired about compensation ( if roles were reversed, I would have been charged significant late fees for 3.5 months of non-payment ), I was told that the loan care department was not responsible for the mistake at closing.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Lates from XXXX and XXXX from XXXX XXXX. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.
Consumer complaint received 2021-03-29
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. (LA)

This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately
Consumer complaint received 2021-03-29
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. (MA)

Hi CRA XXXX XXXX XXXXb Bank ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response.

( REPLACE XXXX  WITH EQUIFAX WHEN YOU SUBMIT A COMPLAINT TO EQUIFAX, THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-03-29
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. (CA)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Dates : XX/XX/2021 Amount : {$700.00} Actions taken : I was robbed for my unlocked phone, and the suspect then emptied my bank account. I filed a police report, still have not received my money back. Just trying to fix this situation! 
The company, Citi Bank hasnt done much since.
Consumer complaint received 2022-08-07
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. (CO)

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX XXXX, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with XXXX. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Please help! Thank you.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a United Mileage credit card while I was purchasing a ticket on united. 
The application was not approved on line. 
I realized that I had put a freeze on my credit report which was why the application did not go through. 
I lifted the freeze on the credit reporting and applied again and it was declined again. 
I kept receiving a succession of letters from Chase bank asking me to call them. 
I called them 4 times, each time having to wait for over half an hour to get to talk to them. 
Each time I had to lift my credit freeze so that they could access my credit information. 
Each time they told me that was all they needed. 
I explained the reason why I had reapplied for the card. 
They kept sending me similar letters. 
They assessed my credit report 3 times and as a result my credit score fell XXXX points. 
They had already decided to deny me the card because of multiple applications. 
There was no need to send repeated letters and repeatedly look at my credit report. 
I do not know if my last name of XXXX had anything to do with their decision. 
I consider their treatment not only harrassment but it also deprived me of getting a united card with the benefits it provided. I have had chase accounts before both as credit cards and car financing and my credit score was no reason for them to decline my card.

I am attaching copies of all the letters sent me as well as the effect on my credit score as a result. 
My email is XXXX XXXX
Consumer complaint received 2021-08-12
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. (FL)

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately XXXX payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is DataX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank did not fund my car and insurance payments without my knowledge. It caused the lender to report us to the credit bureau for late payment. This resulted to a drop on our Credit Score by more than 50 points. Chase claimed to have mailed a letter stating that I had until XX/XX/XXXX to provide information or they would freeze my account. 

1. They sent the mail to a wrong address.

2. The claimed letter stated that I would have until XX/XX/XXXX to go to a Chase Bank office. 
3. I was on the call several times and at Chase Bank office on several occasions to complain about my account prior to XX/XX/XXXX and was never told that they will not fund my checks even if I had more than enough deposit. 
4. The payments that were funded were on the dates before the deadline of XX/XX/XXXX. 
5. On chase explanation letter dated XX/XX/XXXX, it stated that they need some information that was already given several times starting from the opening of the account. If Chase lost the records, they should not penalize the depositor from their carelessness. 

I demand that Chase Bank send a letter to XXXX XXXX stating that it was their fault on failure to fund my checks as requested by XXXX XXXX in order to correct the Credit Bureau reporting.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (FL)

my sister or daughter or someone in my family has my social in my birthday and they're taking my government check and my stimulus check I have tried to report it to direct Express but they won't do that they say they have no control over it and I get transferred from direct Express social security social security back XXXX XXXX I don't know what to do
Consumer complaint received 2022-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. XXXX XXXX. I Disputed and Transunion stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Consumer complaint received 2022-08-09
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: Affirm Holdings, Inc (NJ)

Over a year ago I had attempted to secure a payment plan option with a firm submitting a application that was denied therefore there was no account created in my name. Fast forward to date XX/XX/21 my mother had filled out an application to secure a payment plan option through Affirm for a tire purchase made from XXXX. Soon after my mother acquired the payment plan, I downloaded the XXXX app to keep check on my credit and noticed there was an account for Affirm on my report. I had checked with my mother to make sure this was not her doing. She does not have my social and confirmed she did not use my information. I had reached out to a firm at least 10 times since and has received little to no help and absolutely no resolution. I had a very astonishing conversations varying from " this isn't our fault '', " there is nothing we can do '', '' this account doesn't belong to you so we can't disclose information but also can't say its not yours ''. I have also tried contacting XXXX and have had no luck. I have submitted a police report. I have submitted affidavits. After every submission this company has either due to lack of evidence deems me responsible for a affirm account not in my name that is tied to a loan that is not in my name. ALL THEY HAVE TO DO IS CALL THE COMPANY TO VERIFY WHOSE ACCOUNT IT IS.