davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERRORS. MY CREDIT REPORT IS SUPPOSED TO 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT THE CASE. PLEASE REIVEW THE DETAILS IN THE FILES.
Consumer complaint received 2021-10-14
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-08-10
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 the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

XXXX sent over a debt to collections that I had already paid to them directly. I never received a letter or call about them sending it over to collections. I had already paid them in XX/XX/2020 from the bill they sent me. They sent to the collection agency Harris and Harris that I owe {$1400.00}. They send a bill to me saying I only owed {$48.00} which I paid to them and my insurance took care of the rest. This should have never been sent to Harris and Harris because I had already paid XXXX  directly. I have contacted Harris and Harris and sent them proof I had already paid and they have not removed it or done anything with it after multiple attempts to get them to take it off. Harris and Harris was also telling me that XXXX XXXX wasnt a part of XXXX XXXX when it clearly states they are on the website.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (FL)

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of XXXXXXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I've emailed and called LexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and numerous other times. I have provided them with all my ID and other personal information numerous times through email and mail and nothing has changed. This is the company below. LexisNexis Risk Solutions Consumer  Center XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I used the XXXX Transfer service provided by Wells Fargo when I log into my account to pay for a product. I purchased tickets XXXX. XXXX 2021 to a XXXX  game from this posting, https : XXXX on XXXX. It was fraudulent and the tickets were not delivered. I filed a claim with Wells Fargo within an hour and was given the following case number. XXXX. I followed up at the phone number they provided, XXXX on XX/XX/XXXX and discovered the claim was closed. Wells Fargo files a claim with XXXX and then closes it. They only act as a messenger service for XXXX after that and they leave it their responsibility to investigate. XXXX has no motivation for pursuing a claim and Wells Fargo has no process to follow up or compel them to. I asked Wells Fargo customer service for a number to contact XXXX and pursue it myself and they wouldn't provide me with one. I contacted XXXX and they said I needed to pursue it through Wells Fargo. The Wells Fargo provided XXXX service is the exact same as sending cash through the mail. On the Wells Fargo site they compare it to using a check, but it has less protection than that. The customer is able to stop payment on a check or pursue legal action against the individual cashing the check. If Wells Fargo is not providing or supporting the XXXX service they need to transfer you out of a Wells Fargo site to prevent the misleading appearance that they do. It is totally unacceptable that a banking institution provides a service from the customers personal online account but not accept any responsibility for transactions that take place within it.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

Today XX/XX/2020 is a new day ; and PayPal still refuses to give me my {$510.00}. PayPal has no Customer Service Representatives by telephone on duty. PayPal chat Representatives respond about once every 24 hours.

PayPal refuses to give me my money unless I buy a Cell Telephone and Cell Phone Plan. Now it appears PayPal is XXXX  me to give them my Social Security Card. They refuse to give me my money either way.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is the second time I have reported this type theft to Bank of America. Someone I think has been using my personal information ( fraudulently obtain ) to either open or obtain personal accounts at Bank to America. I did reported the first incident them back in the summer they told me they would do something about it. But I think nothing was never really done. Two days ago on XX/XX/23, I received another email regarding an " Investment Account '' which is actually called, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called Bank America spoke a customer service representative, she told me they would put another block or alert again just in case something like this arises. I was advised to report this to reportfraudt.ftc.gov. Please advice! or investigate.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (LA)

This is XXXX XXXX Paypal account email address is XXXX. 

I Received A Response To My PayPal Message Center Chat With A PayPal Representative On XX/XX/2021 At XXXX Saying That I Will Be Receiving A Email Around XX/XX/2021 Advising Me That I Can Withdraw My Funds. 
It's Now XX/XX/XXXX And I've Already Received The Email From PayPal Informing Me That I Could Withdraw My Funds But As I Expected PayPal Is Giving Me A Run Around Saying I Still Have To Wait 180 days. I've Already Waited 180 days, I HAVE Proof, One Is Actually Saved In My PayPal Message Center Incoming Box/ It Can Be Found As It Is Dated XX/XX/2021 At XXXX And It Was Sent By XXXX XXXX PayPal Representative. 
Also I Have The Email That I Received From Paypal Informing Me That I Could Withdraw My Funds Now. 

Even Though I Have Documented Messages Saved On PayPal 's Customer Service Message Center and A Email From PayPal, PayPal Has Told Me That I Still have to wait 180 days. PayPal Has Incorrect Information Regarding My Accounts Limitation, The Records PayPal Supposedly Saves Is A Joke. Every PayPal Representative I Talk to Tells Me Different Information About My account And Different Withdrawal Dates, PAYPAL obviously Can't Manage Their own Customer Account Data records. But PayPal Somehow Still Acts Like I'm The One Who Is Incorrect And I'm The Reason My Account Was Limited. 
The last response I received from paypal was a executive Escalations Department Representative Agreeing And Validating That A PayPal Representative Instructing Me To Create A New Account And Told Me When To try to Transfer Money, Knowing My Account Would Be Permanently Limited By Doing So. 
AGAIN The Representative Confirmed That It Was True That A PayPal Representative While On The Phone With Me, Instructed Me To Do Actions That PayPal Knowingly Knew Would As A Result Cause A Permanent Limitation. 

No Other Business Operating In The World Today Activity And Knowingly Persuades And Instructs Account Holders To Do Actions That Would Cause Said Account Holder To Have His or Her Account Locked. THIS SHOWS THE INCOMPETENTS, DISGUSTING BUSINESS ETHICS, AND FRANKLY FRAUDULENT WAYS PAYPAL OPERATES THEIR COMPANY. 
PayPal Knew The Actions They Instructed me to make would Cause my account to be permanently limited. 

PayPal should have a investigation Performed On Every Department And If An Investigation Were To Be Done On PayPal, I'm sure PayPal Would Be In Hot Water And Be in a lot of trouble. 

PayPal should be Shut down For Their Own Customer service representative Fraud And INCOMPETENTs.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (WA)

Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!
Consumer complaint received 2022-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

For over 5 years, I have attempted to get this loan cancelled under the medical technician provision. Of all the requests, only 2 were actually applied to my account, when I qualified for the entire amount to be cancelled ( 5 years worth ) - an email is attached showing a cancellation was in place in 2019. 

I have been unemployed for several months and was recently notified of the loan being transferred to collections. On XX/XX/XXXX, I uploaded the deferment form ( before the loan was sent to collections ), on XX/XX/XXXX, I was notified my loan went to collections and on XX/XX/XXXX, I was notified my deferment was denied because my loan was in collections. When I uploaded the request on XX/XX/XXXX, my loan was NOT in collections. I need the deferment to be applied so I can get the cancellation requests done AGAIN.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank stole my rewards-points..... 

Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. 

Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. 

The next day, Synchrony closed my account,,, and canceled my points, down to zero. 
I had accumulated {$930.00} worth of points, and Synchrony stole those points. 

I had never been late on a payment,,, ever. 
Synchrony simply didn't want to pay the amount they agreed to, by contract. 

Synchrony reneged on the contract between us.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different XXXX XXXX accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

On or about XX/XX/2021, I wrote a letter to Midland Credit Management asking them to stop calling me, and to stop calling my friends and family about a debt I do not owe them. I sent a letter to them at the following address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX. However, over the past several months, I have continued to receive abusive calls and letters from them demanding payment. This company has also contacted my daughter and her husband about me, which I know they should not do, even though I am elderly. Please tell them to stop harassing me about this debt I do not owe them. 

Thank you. 

Kind regards, XXXX XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony aka Paypal Credit changed its account terms without my or many other consumers ' awareness. I logged into my account to make a payment and noticed my due date had changed from the XXXX to the XXXX and I had a late fee of {$29.00}. After the fact, I became aware the new terms were disclosed on an earlier monthly statement I did not view. Granted an attempt was made to communicate the changes, but the results were poor in that many people were caught off guard and unaware of the changes. 

I resolved my concerns by immediately closing the Paypal Credit account and shortly afterward paying the balance in full. I consider Synchrony to be a predatory lender noticing repeated patterns in accounts they service and present for a variety of retailers. Fortunately, I am financially able to pay off and close the Synchrony accounts to protect my own interest. However, am very concerned for those who are stuck with these types of abuses. Attaching documentation to illustrate.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX  for XXXX and XXXX XXXX for XXXX. Both items are appearing on my XXXX and Equifax reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  which has yet to removed as well