davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I am a XXXX XXXX XXXX recently retired XXXX I have been a XXXX year member of PayPal with zero issues. Recently I sold an item to a stranger for XXXX XXXX. I had never met this person. I don't have anything to do with him other than this transaction. 

I sent the item to the person and he wasn't happy. He alleged all this damage to the item that was not there when shipped. I asked him to send me photos of this damage. He never did. I told him that unless he did the sale was final. 

Next thing I know, he has reported the entire transaction as fraud. My PayPal account is frozen AND on XX/XX/XXXX PayPal cleared out my entire balance ( XXXX ) and said I owe them ( XXXX ). 

Despite multiple efforts with PayPal 's resolution center I have received no help. Calling them is useless. I get worthless " Sorry! '' and " We can't do anything about this ''. PayPal acts passive when they receive BILLIONS from these transactions. 

This guy alleges his credit card, his phone number, his email all have been hacked to do what? Steal XXXX from him? Doesn't that seem like a LOT of effort for almost nothing? Really? 

Also, see this email. He says PayPal gave them my contact information. Is that true? That seems like XXXX too. He got my email from PayPal? PayPal wont give me ANY information about this guy, but they give HIM all my contact information. 

Regardless of whether his fraud complaint is legit or not. I HAD NOTHING TO DO WITH IT. 

I have been RIPPED OFF my account balance by PayPal for something I had NOTHING to do with. I AM THE VICTIM HERE and PayPal has treated me as a criminal. They have not used their brain to ask themself how I somehow played ANY part in what went wrong here. 

I sent them copies of the emails where this guy tried to get me to refund his money. You'd think that anyone with half a brain would have realize I AM THE ONE BEING SCAMMED.
Consumer complaint received 2020-08-04
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 — Their investigation did not fix an error on your report
Company: Aldous & Associates, PLLC (NY)

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-19
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy
Consumer complaint received 2022-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NJ)

The company Harris and Harris has repeatedly called my home phone number XXXX on a regular basis. It took me a minute to figure out how to block the number on an old handset. They mustve called at least 3-5 times a week and left a robo message.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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. (TX)

Sent dispute letters to XXXX, Experian & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XXXX XXXX, 2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2022-09-03
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2019-06-18
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-07-16
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. (MD)

In accordance with the Fair Credit Reporting act 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 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 2019-06-18
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. (TN)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2019-06-18
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. (FL)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XX/XX/XXXX-19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Global Credit Union (AK)

On Saturday, XX/XX/2022, XXXX from the fraud department of Alaska XXXX  in XXXX, Alaska, called me to tell me that someone from XXXX had all of my personal information and called Alaska USA on XX/XX/2022 and had them send him or her a new debit card. They sent it out to the address in XXXX, but they also told the XXXX Police Department after speaking with me. However, Alaska USA did tell me to file this affidavit, freeze my credit and get XXXX.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXX/XX/XXXX 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
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

I received an suspicious alert about a charge on my account from Regional Acceptance ; I was told the charge was for a auto payment under an account for a vehicle that I do not own ; After much research I was able to track down the fraud department- This company has allowed their customer to fraudulently use my account to pay their auto payment. The merchant is aware of the customer and keeps referring me back and forth to the bank. My local bank also agreed that the charge is fraudulent and sent me back to the merchant to request a full refund of the charges. 
I do not have an account with this company I do not have a vehicle with this company I do not have a vehicle with any balances I own my own vehicle out right. 

I spoke to several reps and provided my name, my address, and the last four of the debit card that was used. The merchant were able to verify that I have no association or debt with this company and admitted they are aware another customer made the fraudulent charges using my debit visa card yet they have not done anything to resolve the issue and reverse the charges. I need this corrected. However, no one has been able to help me and I don't know who to speak to or what to do. All I know both the bank and the merchant agreed that these charges were fraudulent and not created by me. The police report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is already in process but it takes time to have the physical copy in hand. However, it should not take additional time to refund the money back to me especially if you have already admitted that this person committed fraud/identity theft. 

This needs to be resolved immediately. 
This person has depleted all funds in my account I am a single foster parent who fosters children and I am required to provide the highest level of care, food and shelter. 
This is not right. I've already cancelled the card. 

Charge Date XX/XX/2023 Charge Posted XX/XX/2023 Charge amount : {$660.00} Currently Cancelled Card Used : Last four of the card # XXXX
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MA)

Hello, I am a XXXX  employee and I have been in the XXXX  on and off since XXXX. I have two issues : -Missing XXXX  count information -Outdate loan balance and lower credit score as my payments have not been applied to my account. 

The parties that are causing the issue : XXXXFEDLOAN -XXXX  -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Actions I have taken since XXXX : -Contact both XXXX and XXXX XXXX via XXXX, in person, and email to fill out the XXXX  form to get the months from XXXX XXXX XXXX added to my count for XXXX  employment. Both parties have failed to respond XXXXWork with Fedloan and now XXXX to resolve the issue. 

I have submitted the following to FEDLOAN : -PSLF forms indicating that the Agencies failed to fill out the forms -Emails -My XXXX  of XXXX XXXX XXXX XXXX employment record -XXXX XXXX Waiver Fedloan has giving me multiple excuses and now says XXXX is responsible. XXXX says they are still processing but the they do not have any records of forms or information for those months. 

On top of that my employer XXXX XXXX XXXX for XXXX XXXX ( XXXX ) has been making payments on my behalf. And since XX/XX/XXXX, those payments have not been added to my account and the old balance is still on my credit report, impacting me from shopping for a mortgage. The however, has been taken out of the account and I am paying taxes on these payments. XXXX has confirmed with my employer of receiving a payment in XXXX but the payment has not been added to my account. 

This is emotional draining because I always wanted to be a XXXX  XXXX  and went to XXXX  school because I kept being rejected. Now I am trying to use the resources recruiters told me about and it is hindering me from moving on with my life. 

I can't provide the emails as they went sent via my work email and the Fedloan XXXX is missing my documents. 

Please advise and thank you.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. 

Please send a letter stating that these issue has been resolved to : XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX  XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX  XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX  XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD
Consumer complaint received 2022-09-03
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)

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.