davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021, I received an email from XXXX XXXX a PayPal employee, email address, XXXX. Thanking me for my order of {$680.00} USD. Transaction ID XXXX!!, Confirmation Ref. # XXXX XXXX XXXX. I immediately responded and told them I did not order anything through PayPal, nor do I have an account with PayPal. I was then notified payment was made in full. I sent multiple emails to XXXX, Asking who ordered this product, what was the product, what country did come from, how was it paid, I have not received a single response from this person. I then sent an email to XXXX XXXX, president, andXXXX XXXX, CFO, I received a form letter response stating I did not have an account with PayPal, I already told them that, and as such they recommended I simply delete all of the correspondence from XXXX XXXX on my computer. I also sent the same complaint to customer service, they told me I had to have an account for them to respond. I firmly believe PayPal is hiding something, I gave them the transaction ID and the confirmation number, the amount in US dollars, date of the transfer, and they're telling me they will not investigate, but they do acknowledge the transaction was a fraud. I believe this was a fraudulent transaction, in PayPal is aware of it they made the transaction for their own best interest. I was told I do not have an account, if that is so how can they use my email address to complete a transaction in the amount of {$680.00} USD? I want to know what happened, and they are simply dismissing all of my requests.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

The last purchase that I made with my XXXX account has caused nothing but problems with my account. My payment information has been the same into my account since I had the card, however since the last purchase in XX/XX/2021. I made a payment and XXXXComenity Bank XXXXted that the payment was returned. When I checked with my bank they do not have a record that the payment was returned, when I make an attempt to add the account it states that the account information already exists. As of right now when I try to log into the website to obtain the correct payment dates it states " We're Sorry. A technical glitch occurred and your request could not be completed. Please try again. The first time they stated that payment was returned they waived the late fee, I made the payment and the next month 's payment. I then made a {$140.00} payment using the information that has always been in my account. I never received another statement and when I received a phone call from XXXX I checked my account and payment never cleared, and my bank did not have a record of a returned payment. Again this seems like it was an XXXX issue. They denied waiving another late fee and interest, and on yesterday what really caused me to file this complaint is they reported my account delinquent with the credit bureau. I demand that they reimburse for me for the interest and fees, and correct my credit report and I will never use this card again in my life. They can't say my account number was incorrect, because trying to input it again, it stated the account is a duplicate, and for the final payment to just pay the balance off in full I had to use my wife 's account in order to ensure there wasn't any issues. This went through as pending just the very next day. XXXX believes that all of their customers is making up lies, I paid all of my bills on time, and they need to look into their system. After the collections call before I made the final payment, it took forever to get to their web page, as it came up that they were bread financial I could not get into that site, and ironically I can't get in today. I have printed documents. Please scroll to the bottom on the bread financial. It is documented that there is an issue when someone tries to get into their account. If my password or anything else was incorrect, the error message would say that.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion is asking for information to verify my identity. This information was sent to TransUnion on XX/XX/2022, complaint XXXX. The credit bureau seems to be stalling with the investigation process and prolong the investigation. This company is breaking the law according to the FCRA.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022 XXXX applied for a American Express card. Card promotional materials as well as Card review sites that were sponsored by company advertised that card had instant account access via XXXX XXXX and a Virtual number. This was not the case after signing up for the card. None of this information was available and when calling customer support they said this was contingent on pre-approval for feature. This is despite the card itself being advertised as an instant cash card with instant use. Customer service hung up on me after I confronted them on this and refused to cancel card.
Consumer complaint received 2022-06-28
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. (TX)

The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders. 
15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. Transunion, XXXX, & XXXX are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other.

The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I requested a refund, through Fedloan servicing, for monies paid during the CARES Act postponement. They responded stating that " After further review records show a refund was issued to your bank account on file on XX/XX/2022. If you have not received the monies we would recommend contacting your financial institution. " On XX/XX/2022 explained that my bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}. I requested they tell me where they sent this money to, as it was not to any of my bank accounts. I have not had a response. 
The loans were serviced through XXXX at the time I was making these payments, please see previous complaint # XXXX. 
The response to this complaint was to go through Fedloan servicing which I already attempted. Please assist.
Consumer complaint received 2022-06-28
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. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have any permission or consent from I the consumer to furnish a consumer report.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Unable to access account to pay balance! Can not reach card issuer through customer service number at any time of day! No communication from Comenity Capital Bank at all! My major concern is being charged late fees because I can not pay my bill!
Consumer complaint received 2020-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (IL)

I applied for a loan here in XX/XX/XXXX for around 700. I always wanted to pay it back when I got the money but I can never find their website and they never send me any mail I know it use to be called money lion a while back that's what it was when I got the loan
Consumer complaint received 2022-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

I was trying to use Venmo to pay someone, and my transaction was declined by Venmo. This is the case even though I have never had any problems with my payments. This left me unable to pay a debt. I contacted the company to understand why ( fraud? credit risk concerns? ) and what I could do to remedy the situation ( validate myself? show balance in my funding account? ) and they gave me no helpful information or remedy. 

This impacted a business relationship and caused me substantial injury and, as far as I can tell, was unavoidable. I believe my expectations that my account would function were reasonable. I do not see a reason for my payments to be decline and believe that this practice does not rise to a UDAAP standard that would be expected from a credit card or bank.
Consumer complaint received 2022-06-29
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (TN)

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked Bridgecrest to please remove that XXXX late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/2022 requesting that Experian reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Experian must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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: DISCOVER BANK (AZ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2022-06-28
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: Early Warning Services, LLC (NJ)

Earlywarnings services is in violation of 15 USC 1681 by reporting a XXXX  XXXX XXXX account that is notsupported by any evidence. I have submit a letter requesting method of verification to them pursuant to 15 USC1681i ( 7 ). I specifically asked that they verify this account by producing the orginal promisary note with a wet signature, but they have not been able to do so.I also requested that they provide me with details on who conducted the investigation and how did they conduct it, unfortunately my efforts have been fruitless. I spoke to an agent of earlywarnings services by the name of XXXX via phone on XX/XX/2022 at XXXX PM. XXXX notified me that despite XXXX  XXXX XXXX reporting innaccurate information, early warning will still continue to report it.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I need all of the following items on this letter removed from my credit or I will be suing for each of the violations listed. No automated responses, I need a reply telling me why you all havent properly investigated my credit report. I know that the items werent investigated because an investigation is supposed to take 30 days instead of only a few days
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (GA)

Self lender is a account where you pay yourself and at the end of the loan you get the money back I paid twice on a loan and never got the money back they owe me {$1000.00} they claim {$750.00} but have sent nothing!!! they keep saying they sent a check and they don't send it ever it does not take over a month for a check to get here they are liars I look on the reviews and other people are saying the same thing it's a scam