davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NJ)

# 1 they have bad customer service # 2 they XXXX XXXX  # 3 I try apply for a credit card but they deny me because someone used my name to open a account # 4that account is fraud # 5 I already do a fair shake lawsuit they already got it in XXXX in 2020
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit bureau is showing an incorrect address as my previous address : XXXX XXXX XXXX XXXX, OR, XXXX I have never lived at this address, therefore please delete it.
Consumer complaint received 2023-02-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I have been trying to unlock my credit report file with Equifax through their website called my Equifax. I kept getting the notification to call the company, so I did, I was able to verify all of my information to unlock my credit report, but they could not reslove the problem, so they asked me to fax my information ( license, social security card, proof of residence ). I did so on XX/XX/2020, I waited some time and called to verify it was received, they told me that they didnt receive any information so I sent it in again on XX/XX/2020. I called in today again to verify that they received my information and was still denied. I have a copy of my transmission retrieval fax confirmation for both times I sent them in. I also have the correct fax numbers used, verified by equifax. The were not able to give me any answers to why they haven't received my info and also asked me to send it in for the 3rd time.
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief XXXX XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX  XXXX CAPITAL ONE a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX b. On record untilXXXX XXXX5 XXXX. XXXX XXXX XXXX a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX XXXX. On record untilXXXX XXXX
Consumer complaint received 2023-02-01
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. (AR)

I am writing in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2023-01-31
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. (CT)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-02-01
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. (UT)

On XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX Equifax was notified the creditors in question had not replied with a validation response. 
Again on XX/XX/XXXX by Certified Mail XXXX XXXX XXXX XXXX XXXX Equifax was requested to provide the reporting documentation as required by Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report.

Equifax you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

As per Federal Law under the Fair Credit Reporting Act EQUIFAX is Required to send the following information EQUIFAX used to verify the validity of accounts listed below XXXX XXXX XXXX XXXX, No Contract, No Mortgage The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( s ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation. 
Equifax it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. 
This is your Notice of default. I requested the following information & verified proof XXXX received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law and fines will be imposed. 
Equifax was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by Federal law. The law is very precise on what Congress said is to happen Equifax is in violation of this Act of Congress and should be accessed fines as outlined in the Law for fraudulent credit reporting
Consumer complaint received 2023-02-01
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: ALLY FINANCIAL INC. (MA)

DEAR ALLY FINANCIAL SERVICES FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a paycheck protection loan from Bank of America. The refused to process my repeated request for loan forgiveness or to appeal the full loan amount. I have fully paid back the loan and received several letters stating the government has forgiven the full loan amount, but Bank of America refuses to reimbursement for the several thousand I have pain back already. Everyone I contact them ( repeatedly for years now ) they act as if they have no information regarding my loan. Every time I have to repeatedly contact them escalate the issue and there is always a new reason why they wont reimburse me. These banks received insane amounts of money from the govt for these PPE loans and they just keep bullying and stealing from the small businesses they were supposed to protect. Please help me get this resolved i am under financial hardship and could Lose my business.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

Greetings! 

I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (WI)

In XXXX of XXXX I was contacted by NCB stating I owed a debt for a cash advance and they now owned it. I was unsure of the debt, as the only one I had knowledge of taking out was paid off years ago. I requested information on the debt be mailed to me. I recieved nothing. I did not hear from them again. Not even information on their company or my rights. In XXXX of XXXX I recieved a notice that there was a collection account on my credit report and my score dropped XXXX points. Despite them not providing me a validation notice or the validation I requested. I filed a dispute and sent them another request for validation of the debt. I tried to call and talk to someone but they said no one was available and to call back later that day. They finally mailed me the original agreement I signed and a very basic financial record to close the dispute on my credit report. I contacted them again and requested more validation of the record, because it didn't show any of the details for the advance or payment information. I am still waiting on it to see how to progress.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (IN)

Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This agency sent me notice of an amount owed to XXXX XXXX XXXX XXXX a place I have never been. XX/XX/2022 XXXX Balance due : XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was alerted there were fraudulent withdrawals from my savings accounts dating back to XX/XX/XXXX. As soon as I discovered the fraudulent charges I reported them to Chase fraud department and went into a physical branch to move the money out of my account. 

All of the fraudulent withdrawals are from a XXXX account that I did not recognize. 

The following fraudulent charges are below : XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX VA WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$41.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$3.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$11.00} XX/XX/XXXX XXXX TRANSFER PPD ID : XXXX ACH credit {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXXXXXX XXXX  debit. $ XXXX After reporting this fraud I was told by XXXX that they have a 60 day policy on fraudulent charges that begins at the first point of fraud instead of the first point of report. Therefore I could only recover the transactions from XXXX in the amount of {$7.00}. This policy was only explained to me after my 4th or 5th interaction with Chase. There was no understanding that savings accounts are checked less frequently than checking accounts.

I also noted that Chase reversed the XXXX XX/XX/XXXX credit for {$11.00} even though this was well past the 60 days of initial fraud. I found this to be an unfair practice and policy.
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (VA)

I have sent several complaints to Experian and XXXX  about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. Experian and XXXX   has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from Experian XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX  XXXX XXXX.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, 2023 I attempted to purchase an item for {$86.00} from a website. I used Paypal to complete the purchase. I did not realize until it was too late that the website directed me to a Paypal portal that I was unfamiliar with and where the monies were withdrawn from my account immediately and I would not have the normal Paypal protections to insure I would receive the item or my money would be refunded. 

I immediately relogged back into my paypal account and tried to cancel the transaction. 
On the paypal site I was able to send the seller a message to cancel the item. I did this but I have not received any notice back from the seller that the transaction was canceled or any conformation that I would receive the item I purchased. 

I attempted to file a complaint on the paypal wedsite resolution center but was not able to do so because of the way the payment was made. 

I called paypal and spoke with customer service and was told also that because of the way the payment was made there was nothing they could do. The customer service gentleman told me to be more careful in the future. I told him there website showed that the payment was still pending and why can't he put a hold on the payment until the issue is resolved. I told him I felt I was tricked by the website into making that type payment and I felt Paypal should have better protections on their website for the consumer. He said he would pass my concerns on to higher management. 

I feel the website I went to is a scam. I used paypal to pay for my internet purchases because I thought I would have protection from them from scammers. I feel the scammers found a loophole in Paypal 's payment system and are exploiting that loophole. 

I would like you all at CFPB to press Paypal into closing this loophole. 

Thank you, XXXX XXXX
Consumer complaint received 2021-05-19
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open a claim withBANK of AMERICA regarding a fraudulent transation. 

Complaint Number XXXX PLEASE updated my phone number as I have a wrong number on claim Number XXXX. My phone number is XXXX. 

XXXX XXXX,
Consumer complaint received 2023-03-22
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: Telerecovery Corporation (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Telecovery is reporting I owe a debt of {$70.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Skopos Financial, LLC (IA)

I XXXX XXXX entered into a consumer credit transaction with SKOPOS FINANCIAL LLC on XX/XX/2019. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. SKOPOS FINANCIAL LLC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.