davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. 

PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds.

Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. 

PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. 

Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. 

I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. 

I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. 

They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. 

Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. 

In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this.
Consumer complaint received 2021-07-16
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: Experian Information Solutions Inc. (IL)

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (CA)

Please see attached documentation for dates. 
1. Student loans paid off in full with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX reached out regarding refund for any payments during COVID-19 hold on loans. 
3. Loan reinstated with no corresponding check or transfer of funds 4. Loan transferred to Mohela 5. Mohela is not responsive to queries regarding refund.

6. Mohela requests fraudulent loan to be paid and does not respond to phone or electronic contact of support.

Please see attached letter for a more clear description.
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC has reported a collection on my credit profiled that has not been verified with sufficient information. I've requested a copy of the signed contract showing that I was informed of my right to dispute the initial filing and the signed contract showing that I authorized and agreed to conduct business with them to begin with. They failed to provide me with any documentation showing an agreement of our business or a copy of my photo ID or social security number. In addition to this, I have requested that they provide me proof that they're licensed to conduct business with me in my home state of Florida. They've been notified on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of these requests were met with sufficient verification, yet Portfolio Recovery Associates, LLC has refused to remove this collection filing from my report. Instead they have repeatedly harassed me by calling from an abundance of phone numbers, many calls happened late in the evening at XXXX. I have received calls from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2023 Balance : {$59.00}
Consumer complaint received 2023-03-18
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. (CA)

I'm filing a complaint against the TransUnion credit reporting agency. I filed a request with them to delete an erroneous item on my credit report on XX/XX/XXXX. They did a cursory, rushed investigation that on XX/XX/XXXX ( 3 days! ), they concluded that the disputed information was " verified as accurate ''. The erroneous item on my credit report involves XXXX which showed that on XX/XX/XXXX, I opened a credit card, # XXXX. I NEVER asked XXXX to open a new credit card as my old one is still open, # XXXX. I told the sales person specifically that. I called XXXX company twice, one in XX/XX/XXXX & XX/XX/XXXX to delete this item. I would like TransUnion to delete this incorrect item in my credit report. I would like them to do a more complete investigation of consumers requests and complaints in the future
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 3 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-15
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. (PA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX - Account. XXXX XXXX XXXX XXXX - Account. XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX - Account. XXXX XXXX  - Account. XXXX, XXXX - Account. XXXX, XXXX. XXXX, XXXX
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Consumer complaint received 2020-09-04
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. (CA)

In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called Midland Credit Management, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score. 

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted XXXX XXXX to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to formally submit a complaint to the Consumer Financial Protection Bureau concerning erroneous information present on my Equifax credit report. Despite my initial communication with Equifax on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that necessitate immediate attention and resolution : XXXX. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I hereby request Equifax to verify the accuracy of the XXXX account ( Date Opened : XX/XX/XXXX ) due to the questionable reported balance of {$440.00}. This balance appears excessively high and does not align with my recollection of the amount owed. Furthermore, as Equifax has classified this account as closed and charged-off, the presentation of a Past Due amount is inappropriate. In light of these discrepancies, I intend to engage in direct communication with the creditor to rectify this matter. While these efforts are underway, I kindly request that Equifax mark this account as disputed, thereby preventing any further detrimental impact on my credit score. Additionally, I urge Equifax to verify the Date Opened, Date of Status, and First Reported details associated with this account. 


XXXX. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not associated with me. 


XXXX. Account Removal Request : Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$310.00} Additionally, I request the immediate elimination of the COLLECTION account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not linked to me.
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (GA)

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc. (CA)

Please review creditrepair.com, a company misleading consumers to believe that factual information can be removed from credit reports. From their website " CreditRepair.com can show you exactly whats hurting your score & how you can work to fix it ''. You can not " work to fix '' missed payments. This is a lie.
Consumer complaint received 2023-08-09
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. (NC)

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

Account name : INNOVATIVE RECOVERY AGENCY has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
Consumer complaint received 2022-05-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 604 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