davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

I am a small business owner & purchased these items for resale. I typically dont make purchases this big, so it was easy to identify once I did research. Initially, I was not aware of the transactions because the name of the company and where the payment was made are under different names, which prompted me to believe that this is/was not a legitimate company. The name of the company is XXXX XXXX XXXX XXXX, however thats not whats reflected on my statement. The items were set to arrive within XXXX business days via XXXX after XXXX paid in full on XX/XX/06, according to the merchant. If you look at the invoice provided, you will see what items were purchased. The list is lengthy. Its been reattached for your records. After the payment for the initial order was made on XX/XX/06, upon which XXXX systems and accessories were to ship, the merchant demanded more money for the items than what was agreed upon in the initial contract, which can be seen in the screenshot, and threatened that items would not be sent if payment was not received. XXXX, a representative of said company also added more items as an incentive to purchase more, which is what the screenshot is detailing. The initial order was only for XXXX systems with accessories in the amount of {$1300.00}. I ended up purchasing, or so I thought, XXXX systems, plus games, headsets, and controllers to alleviate the shipping cost of the original order under the guise that more items shipped means cheaper shipping for the company as they are a wholesale supplier and to also not lose my initial {$1300.00} payment. That brought the order to {$2600.00} as detailed in the invoice attached. I never received anything & was advised that my items would be ransomed if another {$1200.00} payment wasnt made within XXXX days to finalize shipment, which was supposed to be free based on the purchase of more items. I attempted to contact the merchant for a refund after the first payment of {$1300.00}, and was advised I wouldnt be refunded anything & would lose my money unless I completed the transaction totaling {$2600.00}, so I continued to send more money to complete the transaction totaling {$2600.00} in full for XXXX systems and accessories. Again, I never received the items. You can also see that the address & information on the invoice reflects what you all have on file and is correct. So there isnt a possibility that the items were delivered to the wrong address. Please help me. This company isnt a real company, yet is a scam promising amazing products for unbelievable prices to unsuspecting people. Thank you!
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX ( XXXX ) - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) - XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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 am submitting a complaint because i have inquiries on my credit report that i did not authorize or consent for the companies to run my credit.i do not have a line of credit nor have i attended to have any lines of credit with the companies identified, i am disputing these resulting as per my rights under the fcra. this negative information is impacting my credit i would like it removed immediately i am requesting a block of my information and this resolved within 4 days as the fcra states
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

To : { XXXX, XXXX, XXXX, AidAdvantage to include any other reporting agency! } Subject : Request for Removal of Student Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been XXXX by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my student loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of student education records. As my student loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a student borrower.

2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from students before disclosing their education records. If my student loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly.

3. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of student records, I kindly request that you investigate the reporting of my student loan debt and take necessary actions to ensure that my rights under FERPA are upheld.

I request that the Consumer Financial Protection Bureau review the reporting of my student loan debt in light of FERPA and take appropriate measures to address any potential violations of the law.

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required.

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NC)

I sold shoes online last week. I got a check for the shoes for around XXXX XXXX XXXX since they were multiple shoes. I sold the shoes through XXXX XXXX and to this date I am blocked by the seller I never sent the shoes because I needed the check to clear first. The check cleared and I was preparing to send the shoes and I spent money from my bank account. A few days later, my account went negative and the check was bounced and I now owed the bank XXXX XXXX XXXX. It turns out the guy who gave me the check used someone else 's bank account for the purchase and now I am in debt because I cashed a check. I am also upset because the check cleared and did not change until I withdrew money at an atm and in the bank. Also, my card had someone trying to buy bitcoin and food on my card after it was stolen from an atm.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (VA)

My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with 3 credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and XXXX XXXX XXXX to not follow through with the line of credit. XXXX and XXXX complied and XXXX XXXX XXXX  sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. 
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to Midland Credit Management Inc who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXX XXXX. 
I live full time in XXXX XXXX  and pay taxes in XXXX XXXX. and XXXX  State. I stay part time with no current lease in XXXX XXXX XXXX  were I have a small non profit and am here sporadically and do have a XXXX  drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. 
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. 
XXXX and Midland put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX  by XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-04-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I : XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc ()

This is the email I sent to PayPal : I wish to report an unauthorized or fraudulent payment of USD XXXX from my credit card as per email forwarded below. 

This payment purports to be effected to XXXX XXXX. I have cancelled my subscription with XXXX XXXX as per screenshots attached. 
The PayPal transaction ID is XXXX dated XXXX XX/XX/year>. 

However, when I logged into my account with PayPal to report an unauthorized transaction, transaction ID XXXX does not exist. 

As I could not proceed further with reporting this issue, I am therefore writing this email to request a refund for USD XXXX. 

======================================================== I also contacted XXXX XXXX XXXX XXXX, to request a refund. However, to do this request is so convulsing. The XXXX case number is XXXX. They provided with a telephone number which I can't use as the call charge is exorbitant as I live in the XXXX. As I would prefer to have an email contact address instead, I made a second request and the case number is XXXX. 
I am attaching screen shots of the my account with Avast Software which show that I do not have an active subscription with them and I was billed for something I did not purchased.
Consumer complaint received 2023-07-17
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)

Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.
Consumer complaint received 2023-07-17
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PatientFi, LLC (NC)

On XXXX XXXX, I got a personal loan with PatientFi for services that I was getting through XXXX XXXX XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX uses for them for financing procedures. My service were not complete due to an issue that occurred during one of my sessions which I was XXXX on my XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX did offer XXXX XXXX of the XXXX XXXX, which did not equal in the amount of the XXXX. I had 2 appointments and no one was at the office on either day. I called Patientfi on XX/XX/2023 at XXXX XXXX and spoke to a customer service rep about my concerns. They told me that I would have to contact XXXX XXXX XXXX XXXX XXXX  to get a refund from them even though I making payments to PatientFi. I stated to the customer rep that it's not fair to me that I'm paying on a loan when services wasn't provided in it's entirety. I have contacted XXXX XXXXXXXX XXXX XXXX XXXX about my concerns and the refunds as well for services not rendered.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. Please remove the following unauthorized inquires : 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to have fraudulent items removed from my credit file. These fraudulent entries are adversely affecting my credit history and financial standing, and I am seeking your immediate assistance in rectifying this matter. 
I discovered that there were fraudulent entries on my credit report issued by XXXX, XXXX, and Equifax Credit Bureaus. These entries have been listed as legitimate accounts, which I had no knowledge of or involvement with.

Since discovering these fraudulent entries, I have made multiple attempts to have them removed from my credit file. I have submitted the necessary documentation, including police reports and affidavits of fraud, to support my claims. However, despite these efforts, the fraudulent items remain on my credit report.

Resolution Requested : I kindly request the following actions to address this issue : Conduct a thorough investigation into the validity of the fraudulent items on my credit report, considering the documentation I have provided.

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature.

Provide me with written confirmation once these fraudulent items have been removed and no longer appear on my credit report.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand that the presence of fraudulent items on my credit report is a serious matter that can have severe consequences for my financial well-being. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to resolve this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response withinthe exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit report and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to move these following fraud items in mhy credit file : XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.