davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

On XX/XX/2019 I ordered an XXXX gift card on XXXX for {$480.00}, I paid through PayPal, {$4.00} of it with an XXXX  coupon and the other {$480.00} with my XXXX credit card, but right away the seller cancelled the order, saying they were sorry but it was already out of stock. 
On XX/XX/2019 PayPal emailed me saying " The money has been refunded to your PayPal Cash Plus balance. It will be made available on or around XX/XX/2019. '' but that refund never actually happened. 
On XX/XX/2019 the seller messaged me that I need to file a PayPal claim to get refunded, so the next day I filed a claim, which was closed in my favor shortly after, but no refund actually came, even though I emailed and called and chatted with PayPal many many times. 
Eventually a PayPal representative on the phone said I should just file a claim with my credit card company ( XXXX ), which I did 3 times, but every time XXXX closes the case in PayPal 's favor, saying PayPal is the party that's supposed to give the refund, like they said in the email to me on XX/XX/2019 mentioned earlier. 
Every time I reach out to XXXX they say I need documentation from PayPal proving the refund is supposed to go to my XXXX card ending in XXXX, but every time I ask PayPal for that documentation the representatives say they're not authorized to provide any documents like that, even when I ask to be transferred to someone who can they always say no. When I beg them they just say obviously the refund was supposed to go to the original payment method but we can't put that in writing. They also sometimes say we can't help you with this transaction at all since you already did a chargeback with XXXX ( but I only did that since PayPal told me to ). 
I'm including my PayPal statements from XXXX and XX/XX/2019 to prove the refund isn't there, and I'm also including proof from my XXXX account that I didn't get the refund.
Consumer complaint received 2021-04-12
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)

Hi this is XXXX XXXX, I have sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MI)

On XX/XX/XXXX I received a letter from Phoenix Financial stating that I owe them money for a medical bill. The letter said I had 30 days to dispute it and which I did. The letter was send out on XXXX XXXX and it was received by phoenix financial on XX/XX/2020. I asked them for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 
On XX/XX/XXXX I received a letter from Phoenix Financial stating I owe this money and showed me a bill from another collection agency. This is not what I asked for and they did not provide me with this original medical bill that they say I owe them. Now I am asking them to remove this collect account off of my credit report or I will do the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau which I am now.

4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.

6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. 

I know my rights and I expect them to remove this account ASAP. I am attaching all documents that was send to Phoenix Financial and to comply with my demands.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I went to these banks to check to see if I wouldve been able to be approved for a vehicle and I told the lenders to not run my credit for these possible inquiries but they ran my credit without my knowledge or permission, violating my Fair Credit Reporting Act right to privacy.
Consumer complaint received 2023-03-08
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. (OH)

Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

dispute twice with this company regarding my credit profile they kept stalling the process the creditors failed to respond to the debt validation and they failed to validate debt with creditors of alleged debt they say i owe. ive disputed in a third attempt for them to validate my debt with creditors i sent that creditors failed to dispute i want all collections and closed accounts to be deleted immediately creditors was given 30 days and they failed to validate
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (RI)

Ordered # 1 XX/XX/2021 Tracking # XXXX ( more than 120 days see attachment ) Delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX Amount : XXXX Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card Order # 2 XX/XX/2021 Tracking # XXXX XXXX XXXX Front & Rear Performance Suspension System ( XXXX ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ALL ) Amount {$1600.00} Same situation Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card
Consumer complaint received 2020-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

On XX/XX/20 I received notice from Navient that my loan has been refinanced and I never requested or was contacted about any refinance. I have been asking them to provide proof and to give me a copy of any document that I signed and of course they keep stating they will mail them to me but I have never received them. I was paying extra on this loan and it was paid ahead and very little interest remained on the old loan and now my interest costs are significantly higher.
Consumer complaint received 2021-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I disputed these accounts on my report because they were inaccurate. I sent out a letter on XX/XX/2021 and it's been 60 days!!!! Since I've received a response. I sent out another letter XXXX CERTIFIED and I still haven't received a response. You are in direct violation of the fair credit reporting act and these accounts must be removed from my report.
Consumer complaint received 2023-03-07
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: LEXISNEXIS (MI)

XXXX has been illegally reporting three bankruptcies on my credit report. When disputing, the response is, " verified, remains ''. When I've asked who XXXX spoke with at the XXXX XXXX XXXX XXXX ( Federal Court ), they have stated they got the information from Lexis Nexis. 

I do not have an account with Lexis Nexis and I am not sure how they have access to my SSN. I requested an Opt Out as of XX/XX/2023 and Lexis Nexis states it will suppress any public records to third parties. 

Lexis Nexis and XXXX have mislead the info seekers resulting in high interest rates and turn downs on home loans, credit cards, and a loan from XXXX XXXX  Lift Loan which helps minority businesses with their small business loans. Additionally, the SBA also refused lending to me because of these three bankruptcies illegally reported on my credit report.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC (CA)

Loan at last started calling said I owe for a loan, I think they have mistaking me for some one else so I had asked if they can send me documents by mail to validate I owe. They said no they don't send validation by mail They said email only. I do not want to give my email to these people cause I'm not sure who they are yet. So I asked again. I said I need documentation to validate the dept mailed to me they said ya they will see what they can do. At this time I had asked if they could contact me by mail and not my phone. They call me over and over all-day. I want to file all documents and communications we have. But they keep calling me over and over everyday. They still have not sent me anything to validate. It's been 3 month they call daily. Today the guy got a attitude and would not let me talk. I said contact me by mail he said he will contact by what he has on file. I asked for a letter to validate he said no. He hung up on me and called me back. I answer but he hung up on me again. He kept calling and hanging up...
Consumer complaint received 2020-04-22
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: WELLS FARGO & COMPANY (FL)

XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$7500.00} WF EFS XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$7200.00}
Consumer complaint received 2023-03-08
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. (WI)

I supposedly according to a credit report in arrears to a payment of {$350.00} to XXXX. I have NEVER purchased anything from XXXX. I use them for a mobile device provider and I am on pre-paid plan. I purchased a used phone from a friend XXXX XXXX  and had my phone no. imported from XXXX XXXX for new service. I pay a total of {$26.00} every month for service. I have no clue where they believe I owe them any money. Do you really think that I have a usual credit score of XXXX plus would neglect a bill I really truly owe?, that's unheard of. I was never contacted by any collection agency. So where this imaginary {$350.00} is coming from is frustrating.
Consumer complaint received 2023-03-08
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. (NY)

My complaint is against Experian. For NO discernable reason, they dropped my credit score by XXXX points and REFUSE to explain why. I just get generic rhetorical answers. I have worked IN credit most of my life and I KNOW the factors that affect a credit score. I have NOTHING that should have dropped my score. I reduced my credit card usage to zero percent as of my last statements, have not moved, I have not incurred new debt, I have no new inquiries, nor have any other new factors that should have caused this. 

Experian keeps answering me that they are not licensed credit advisors, so they are not qualified to answer as to why my score dropped! That is ridiculous! THEY dropped my score, so they had BETTER know why.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CUSTOMERS BANCORP, INC (NY)

I applied for the Paycheck Protection Program ( PPP ) back in Spring of 2021 through the XXXX website for {$19000.00} and my PPP loan number is XXXX. I did this with the knowledge that I had to apply for PPP Forgiveness within 10 months of me receiving this money. I have attempted various times to apply for PPP Forgiveness during that 10 month time frame by contacting Customers Bank via email which is XXXX and phone calls. Instead of being assisted, I have continuously been given the run around. 

Many of the Customers Bank customer service representatives have sent me numerous emails stating I should apply for forgiveness on my own through the SBA PPP Forgiveness portal. This has been the typical response every single time I have requested assistance in applying for PPP Forgiveness. When I attempt to apply for forgiveness in the SBA PPP portal, it states 'that my account is blocked by lender '. After speaking to an SBA PPP Forgiveness representative, I was informed that in order for me to apply for forgiveness, the lender has to lift the block out of the portal. Also I can not apply for PPP forgiveness through the different ways which includes through portal, directly, or through SBA Form 3508 unless the block is lifted. 

I have raised this issue to Customers Bank about removing the block that prevents me from applying for Forgiveness. I keep being told that I am not blocked and to continue attempting to apply for forgiveness through the SBA PPP portal. This still does not mean anything since I continue to be blocked from applying for forgiveness and am tired of this.

I only took this PPP loan because I was under the impression that I would be forgiven. I feel a sense of betrayal and dissatisfaction with all of this. I am even beginning to regret receiving this money because of the lack of assistance in this matter. The issue of me not applying for Forgiveness has hurt my ability to work because of the my constant need of meeting with my accountant in trying to resolve this matter. Also this has caused me tremendous stress knowing that I need to pay back my PPP because I can not afford to pay this. 

I kindly ask for CFPB to assist me in applying for forgiveness. Thank you.
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc ()

My identity was compromised online while living overseas. I didnt notice the new account until it appeared on my credit report as delinquent. Now they are trying to make me pay for something that was fraudulently approved
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AL)

ERC, sent a letter about a XXXX XXXX XXXX  bill not paid, i received letter, then sent a check for {$700.00} in XX/XX/2021, now they are saying bill was never paid, i have proof of payment, I need this resolved
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd. (TX)

I originally borrowed around {$900.00} from Cash Store in XXXX on XXXX XXXX. 

I was XXXX and had a joint bank account which I had to close. They never got in touch with me, sent a letter that I received, etc. Later in XXXX of XXXX I got a call from an " attorney, who was not one.  She was nice but threatened that they were going to file bank fraud charges, she then said that it didn't make sense as I hadn't committed fraud, and that I could handle it with a payment plan. XXXX, scared, and trying to get better I agreed to it. 

Now, in late XXXX inhad been getting a spam message, so I called. They answered saying, " Oh, they're going to have your drivers license suspended and take you to court. They are also going to file 3 bank fraud charges. '' I then told him that no fraud was committed, I had already set up a plan, and he agreed and said he didnt understand how they were going for all that when I had responded and attempted to remedy the situation. I told him I know that I didnt commit fraud, that I want ALL THE PAPERWORK DETAILING HOW AND WHAT THEY WANTED TO " CHARGE '' ME WITH. 

The debt is handled. The problem is that they are making all these threats " bad cop '', then having no attorney persons negotiate payments, issue threats, and give legal advice that often contradicts what they originally said and or did. 

If I didnt have legal knowledge, like many, they could really manipulate and hurt people. My understanding is that threats and harrassment can't or shouldn't be done by these folks. I would like to know ways, remedies, and what their legal obligations and restrictions are, so that I can be better informed. I feel what they did was illegal at worst and extremely shady and deceitful at best ...
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. 
On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. 
Ten percent was made available then taken away. 
I called the bank four times to figure out what the issue was. 
They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. 
Stating a hold was placed on the Check with no good reason or explanation.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OH)

I am filing a formal complaint against JCPenney Credit Services ran by Synchrony Bank. This complaint is addressing a sudden credit line decrease without 30 days of notice. Under Regulation B aka ECOA, creditors are required to provide thirty days of notice when making any changes to an account. Synchrony has failed to do this on two occasions with just this card alone. I have had this happen on my other Synchrony credit cards as well. They say they sent letters, but they never did. This decrease happened on two separate occasions once on XX/XX/XXXX and the other being XX/XX/XXXX. I spoke with a woman named XXXX who said that strangely enough I didnt get letters. I asked for proof they were sent and she could not find any.