davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2020 my paypal account was charged XXXX - I did not purchase anything in that amount or transfer money to anyone in that amount. I do not know the person the money went to. I submitted this to Pay Pal and they let me know today XX/XX/XXXX that they deemed this charge to be in line with my past history. Which is not true, I have transferred money to people for games and trades my son is has related to video games but the most spent was {$27.00} dollars with exception for a purchase I made in the amount of {$300.00}. With that said the person 's pay pal account that my money went to is XXXX XXXX XXXX and it says I will see " XXXX '' on my credit card statement. I tried to let Pay Pal know after their decision that I absolutely did not authorize this payment and the case is closed.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. 

XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. 

A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. 

I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. 

After all of the claims were resolved, there was a remaining balance of XXXX on the account. 

on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. 

The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. 

Both of these payments were made as arranged and this account should not have been reported as delinquent. 

I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. 

Thanks,
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC (NV)

My husband and i bought a XXXX XXXX  in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX  last XXXX. I am a widow.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-02-07
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: WELLS FARGO & COMPANY (PA)

This is the XXXX  complaint as they keep making it worst. It leaves me no choice but to sue. I have enclosed an email sent them. 

I have received your letter dated XXXX. I have received your requests that you need more time. What I have not received is an answer so let me give it to you. 

Wells Fargo uses XXXX  to spit out policy as in the proof of this letter. Let me explain for those educated under the present system. As a result of a recent review of your XXXX we closed your debit and/or ATM card on XX/XX/2023 to prevent further risk to your account. Properly formatted sentence, sounds good to read, but what are you talking about? Who are you preventing further risk from? The card holder? Is the card holder a criminal who is improperly using and abusing his prevlidges? He must be a criminal as we are giving him XXXX  months in Wells Fargo financial jail. 

I will report this as well and I will now go public with this nonsense that your bank is no longer a viable financial institution trustworthy of maintaining accounts. 

Sincerely, XXXX XXXX XXXX CONFIDENTIALITY NOTICE : The information in this e-mail message is intended to be confidential and solely for the use of the individuals or entities to whom it is addressed above. If you are not an intended recipient, any disclosure or use of this information by you is strictly prohibited. Please notify the sender that you have received this message in error and delete this message. 

Please consider the environment before printing this e-mail.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am currently a victim of identity theft, I noticed that i have not just one but several accounts with different credit cards listed in my name. I am asking that my complaint gets investigated immediately. I've never seen so many different credit cards listed on my report until this month. I have proof of my identity being stolen. At this time I am asking that my complaint is taken into consideration. This is very degrading to see such activity on my report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards opened at XXXX on XXXX XXXX, XXXX, XXXX opened on XXXX XXXX, XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, personal loan opened at XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX, credit card opened at XXXX XXXX  XXXX on XX/XX/XXXX, finance loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, utility accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX , and XXXX XXXX XXXX XXXX opened on XX/XX/XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (IA)

On XX/XX/2020 at XXXX I was called by this company, the representative was difficult to hear and was obviously reading from a script, but I heard her say something about attempting to collect a debt and how would I like to pay for it. I just laughed and informed the agent that all of my medical bills are paid for by the VA since I'm a vet and if they want to get paid they need to be contacting them and not me. Then I told her that I didn't know anything about what she was referring to, then when she said the name of her company, I informed her that I just received notice about this bill yesterday and if you want me to try to help you get paid you need to tell me and I will try but you need to give me time. She said she would notate the account. After thinking about it for an hour I thought that them calling me about a debt during the coronavirus pandemic crisis and them calling me the day after I received the letter from them was completely inappropriate. People can't pay their bills now as it is and to call me when they did with what is going on in the world is completely improper, unprofessional, ill-advised or any other synonym you care to use. I did call back and asked to speak to the agent that called me or her supervisor, the person on the phone didn't ask for any information and gave me another number to call to speak to a supervisor, I called the number and received a recording. I did leave a message for a call back which as of now hasn't happened.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

XXXX XXXX XXXX XXXX at XXXX This incident has been ongoing since at least XXXX. 
Previously, I had an oxygen concentrator, which was returned to XXXX at XXXX on XXXX, because my doctor tested my overnight oxygen levels and found that I no longer needed the supplemental oxygen. 
On XXXX, I received a statement from XXXX at XXXX for charges for the oxygen concentrator for the months of XXXX, XXXX, and XX/XX/2022. At that time, I spoke with XXXX from XXXX at XXXX, who indicated that an annual approval from my insurance company, XXXX, was required for use of the oxygen concentrator. She stated that she would check with XXXX to obtain the necessary approval. She also stated that, if the authorization was not received, these charges would be written off. 
My next statement, dated XXXX, indicated that these charges were still outstanding. In addition, there was a charge for {$60.00} for new XXXX supplies. I paid the {$60.00} online on XXXX and received a receipt via email. 
I received my next statement, dated XXXX, which indicated that nothing had been paid as of this date. I spoke with XXXX from XXXX at XXXX ( XXXX ), who said that I should ignore this statement, because the pre-authorization had gone through. 
My next 2 statements still indicated no payment had been made. I called XXXX again, and again, she said to ignore the statement charges. She said she was going to contact customer service and that this bill was supposed to have been escalated for payment on XXXX but, instead, it was sent to collections. 
I spoke with XXXX again on XXXX, because my XXXX statement still indicated no payment AND I received notification from XXXX XXXX XXXX XXXX XXXX that {$60.00} had been sent through to collections. She stated that the {$60.00} was applied incorrectly to the XXXX oxygen concentrator charge and that it was re-applied correctly in XXXX. She further stated that she would check with XXXX re : payment. 
I have now received a new statement dated XXXX, and the charges for the oxygen concentrator for XXXX, XXXX, and XX/XX/2022 are still showing!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2022-10-13
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: BARCLAYS BANK DELAWARE (AL)

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for Barclays Bank Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

These difficult queries do not belong to me, they have not been authorized by me and they must be deleted. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2019-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I opened a Care Credit account with Synchrony Bank. I made all payments on time, usually ahead of schedule and paid off the account, although it remained open in case I needed additional dental work. The experience improved my credit due to the timely payments and the addition of {$1500.00} to my total credit ( impacting the ratio ). 
In XXXX I began receiving daily calls regarding a Penny 's account that I do not own. When I called the number in the message to clear it up, I found it was a Synchrony card. Since my social security number wasn't attached to the card, I was unable to speak with anyone about the problem and had to submit a secure message.. 
I simply asked that they remove my phone number from the account, making clear that the Penny 's account was not mine. I also warned that this could be a sign of fraud and they should investigate. 
I received confirmation of the complaint on XX/XX/XXXX ( attached ) I began receiving letters saying they would get to it soon. I was never asked any questions, nor was it ever clear that an investigation had taken place. 
On XX/XX/XXXX I received a letter ( attached ) stating that they had determined that my Synchrony care credit account had not been opened by me! It most certainly had!! 
They had closed the account and said I wasn't responsible for anything. I had monthly payments for nearly a year and they all disappeared. 
I tried to contact Synchrony by phone, finally speaking with XXXX on XX/XX/XXXX. I explained the situation and requested they open the account and make sure that the good credit acts were all attributed to me. She said she would check with fact finding and I should call back. 
I called back today, XX/XX/XXXX and was told that they could not reopen the account. 
I want my credit intact -both on the report and the credit extended. Furthermore, they need to change their investigation process. 
Please investigate Synchrony 's investigation process, internal practices, and provide some redress.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.