davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Consumer complaint received 2019-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SD)

To whom this may concern ; I recently had an unpleasant customer experience with PayPal. I opened my PayPal account earlier in XXXX and included my debit card information. The purpose at the time was to utilize PayPal as a secure service to make online purchases. I however rarely shop online and therefore have had no need to use this account. 
At XXXX Mountain Time on XX/XX/XXXX a transaction to XXXX XXXX XXXX transaction ID XXXX ) with a contact e-mail address of XXXX in the amount of {$510.00} occurred on my account. I received 3 push notifications from PayPal indicating possible unauthorized transaction occurred. I woke up on XX/XX/XXXX in the morning, received the notification and immediately logged into my PayPal account. In which a security prompt indicated to change my password due to possible unauthorized activity that occurred. I changed my password and then opened the a dispute case. That was XXXX on XX/XX/XXXX. 
At XXXX I received an e-mail indicating, Weve completed our review of your unauthorized activity case and weve determined there was no unauthorized use. Based on our review, we found this transaction to be consistent with you PayPal history. 
In the above sentence transaction to be consistent with your PayPal history '' is incorrect because I have never used my account so I had no transaction. 
My next contact with PayPal was when I attempted to go back online and re-open the case. I was unable to do so since their system prevents cases to be re-opened on the same transaction. I then attempted to contact PayPal to speak to a fraud representative, to share my story and experience. Hold times were too long, therefore I selected a return call option. I then opened a chat message and requested the funds returned and that the dispute case to be reopened. XXXX was the representative on the chat. They indicated they were not going to re-open the case and that I can write in for an appeal process. 
The automated system returned my earlier call in which I spoke to a XXXX with a thick accent. I asked to specifically speak to the fraud department. XXXX stated he was the person to speak to. I asked if XXXX XXXX 's profile was reviewed for fraud, and if IP addresses were looked at to confirm that the transaction did not occur from one of my devices. XXXX stated that each dispute case is handled by a person and that my account did not appear to have an unauthorized third party activity. When I asked for the criteria it was reviewed against he told me to speak to the legal department and send in a written dispute. 
My frustration with this company is not only the fact that an unauthorized {$510.00} transaction occurred from supposedly secure company but that in every instance I attempted to share my story no one was willing to listen or go the extra step to reassure me that the account had been fully reviewed. 
I would like a fraud investigation opened on the person who hacked my account and my funds returned to me.
Consumer complaint received 2022-10-08
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. (CA)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Due to the hacking of personal information At XXXX I had to place a security freeze on all three credit reporting companies. On XX/XX/2019 I had the security tfreeze emporally removed from Experian. Their website confirmed that the freeze was temporally removed. 
I requested from XXXX XXXX a credit increase on my Visa card. 
For four days we went back and forth attempting to gain access to my credit report to no avail. I even requested a one time pin number for XXXX to use. No matter what I tried Experian continued to deny access. Calling them is a colossal waste of time, since its all automated service. This is not fair, they make billions of dollars using our information and do not offer any help to the consumer when you have a problem with their services.
Consumer complaint received 2020-05-14
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. (LA)

XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the account.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: YES AUTO CREDIT (OK)

I purchased a car from yes auto and a tow truck just popped up trying to take my car I paid for each month, the car lot is saying I never made the XXXX payment which I did even the finance company confirmed yet the dealership said they dont care and to bring them more money I have not been late I am filing a law suit as well
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

mortgage solutions have been reporting a late payment since XXXX when I had my account switch to a new processor and I have been fighting with them to get it resolved because I never make any late payment. now today XX/XX/XXXX, I just received an alert from the credit bureaus that I am delinquent for 150 days and since XX/XX/XXXX, they have not received payment. now, mind you I was on a forbearance plan and I called to make payments so I can modify the loan. I have been making payments from XX/XX/XXXX up until XX/XX/XXXX. I will attach all payments that have been withdrawn from my bank as well as the credit bureau report where I lost 29 points for nothing of my fault. 

I am so ashamed of this company and the way they treat XXXX families, is unacceptable and something needs to be done against this company. They received money to help people and I did not receive anything from them, I made my payments, and for them now to report my account 150 days delinquent is unjust, unfair, and unprofessional. 

I am currently on the phone with XXXX and she tryinmg to tell me that i am not protected this company is just so horrible
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I was scammed by someone who used this 3 companies names in 2 different banks : ( XXXX XXXX XXXX AND XXXX XXXX ) at XXXX XXXX XXXX ) based in California under XXXX clients. And the other company is XXXX XXXX XXXX. WITH JPMORGAN BANK. also under XXXX clients ) I tried to get my money through my bank but these banks are refusing giving me my XXXX $ back. ( I got pictures, bank accounts, dates, names, ) all I want is my money back.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

Yes I have a Chime Credit, Checking and Savings account with chime. I was in XXXX on XX/XX/XXXX XXXX Illinois trying to purchase items when I noticed I couldn't use either my credit or Checking card. I have money in all 3 accounts totaling at least XXXX dollars I've contacted them thru phone and email and I'm just getting the run around I submitted my ID to them thru email. I have been robbed of my money and I need my refund asap. They close my account with alerting me at all.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear CFPB, I have two linked accounts with Bank of America. One is checking and one is credit card. On my credit card, I had a negative balance of - {$2900.00}. On XX/XX/2019 I transferred this negative balance to my checking account. 
However, BOA charged me {$140.00} for this transaction, as if I was taking cash on the credit card. 
I am requesting for your help.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX ( XXXX ), XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX, contacted me on XXXX stating I owed credit card debt from approximately XXXX. They said to stop pending legal action I must pay a small amount now then the entire balance. I paid {$200.00} and provided a credit card number. Since this call I found out, that Household Bank XXXX balance of {$1000.00} was charged off by Household Bank now XXXX XXXX on XXXX and the file did not indicate the debt was not sold to any third party collection agency. My understanding is that the statute of limitations is XXXX  years for XXXX? If so, since the account was charged off in XXXX, XXXX years ago, how can XXXX threaten legal action some 20 years later. XXXX mentioned I made a payment in XXXX, but could not provide the information, nor the original balance due and fees added to total {$2300.00}. Household bank also stated they didnt have any file for me and owe nothing. Im very concerned, what should I do?
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NH)

Fed Loan servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from Fedloan clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and Fedloan refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and Fed Loan accurately reported them as late. Fedloan, later granting a forbearance for that time period, per the cited opinion, Fed Loan has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.
Consumer complaint received 2019-08-04
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. (OR)

I easily disputed a wrongful account balance with XXXX XXXX. I am having the hardest time reaching an actual person at XXXX  or equifax to have them remove it as well. I always reach an automated system. XXXX XXXX investigated and found the information to be incorrect. I had a car repossessed and the law is the price the bank sold the car for must be taken off the loan amount and I must be notified of this. I was never notified, and the balance was never reduced. They charged off the account and closed it and since it has been closed they have continued to add an additional {$4000.00} to the balance! I was also never notified of any balance I owed  XXXX XXXX XXXX XXXX. I would like XXXX and XXXX to both remove this account as soon as possible as it is very incorrect and its affecting my score very negatively. Once again it has been removed on XXXX  but not the other two CRAs. The online dispute forms ask for an account number and when I received a full report half of the account number was hidden and shown as XXXX
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (FL)

Made a online purchase XX/XX/XXXX immediately tried to contact merchant to cancle order and they have been unresponsive. Chase bank is refusing to cancle the transaction and credit my account. I now have {$770.00} of credit in limbo that I can not use
Consumer complaint received 2020-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

According to my Federal Student Aid page, a student loan was disbursed on XX/XX/XXXX in the amount of XXXX. I have not been enrolled in any college courses since leaving XXXX  XXXX University in XXXX. The balance outstanding is {$4100.00} according to my FSA page but my prior years taxes were used to offset student loan debt in the approximate amount of {$7000.00} or more. The telephone number, XXXX, that was retrieved when I initiated a loan consolidation application on XX/XX/XXXX has never belonged to me. The employment status on the FSA website was populated as " Unemployed '' and I have been gainfully employed. I did not apply for student aid and believe my identity was used by someone else to secure the funds disbursed on XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX Address:XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Consumer XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These banks are not allowing me to open up a bank account with them because I am in ChexSystems thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

On XX/XX/19 I submitted a paper payroll check from my employer to my Citibank Access Checking Account via mobile deposit. On XX/XX/19, I logged into my account and noticed that only XXXX dollars of my XXXX dollar deposit was credited to my account. As I was unfamiliar with the funds release policy of Citibank, I called them up at approximately XXXX and was told that a portion of my funds would be released that day XX/XX/19 and the remaining balance would be released on XX/XX/19. At the time of this conversation, there was no mention of any problems with my deposit or my account. Around XXXX on XX/XX/19 I logged into my account to see if the additional funds had been released and found that my entire checking account had been removed from my login. At XXXX I called Citibank to inquire why I no longer had online access to my checking account. I was then transferred to the fraud department and was told that it had been locked because the address on my account didn't match the address on the check from my employer. I explained to them that I had moved earlier in the year and had neglected to change the address on my account. This didn't matter to them. I was told the only way that I would regain access to my account and my money was to visit a local branch and show proof that I had a right to have mail delivered to the address on my check. When I explained to them that there wasn't a branch in my state, I was told I'd have to mail proof to a location in XXXX XXXX, TX and that the process would take 5-7 business days. I explained to them that I couldn't be without my funds for this long as I have upcoming bills to pay and asked to be able to submit proof via secure scan or fax and I was told that wasn't an option. So now, I'm going to be unable to pay my bills or put food on my table because I didn't change my address and they won't provide a way for me to expedite this process so I can get this resolved. I feel that this is just a way for them to take advantage of my funds and make extra money from the interest they make off my money.