davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

The PayPal user XXXX XXXX ( XXXX ) scammed me via two transactions ( Transaction IDs XXXX and XXXX ) for {$89.00} in total on XX/XX/2022. They promised me 2 concert tickets in return during our conversation on XXXX, which I never received. As soon as I paid via PayPal using my XXXX checking account, they blocked me or deleted their XXXX account. 

The money will not reach their account until XX/XX/XXXX, and I would like my money back before then. I have filed a dispute with PayPal and would be extremely grateful for any assistance you can provide. I hope a conclusion can be reached and I look forward to hearing from you.
Consumer complaint received 2023-04-15
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. (NC)

The below listed accounts had violated my federally protected rights of privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX * 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 crime, which add a date to the report by more than seven years. 15 USC 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 calls to believe that the information is in accurate.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 at XXXX I made a cash deposit of {$4300.00} into a Chase ATM. The machine then later displays a message on their screen saying To be sure your deposit went through please call us at XXXX. Well print this number on your receipt. I called that number and was told that their claims department was closed to call back in the morning which I did. Chase filed the claim and then a few days later comes back and says they couldnt locate the funds. A week later I contacted their XXXX office and spoke with a Person named XXXX XXXXXXXX XXXX XXXX and she later said they only found {$2700.00} and they credit my account for it. In addition chase will be closing my account. As of today, XX/XX/2023 chase is saying to me that they never found the funds so therefore they can not issue a credit. They have been going back and forth changing their stories and I just need my money back. They decided to close down my account after I filed the claim with all proof. They have videos and cameras at the atm and sensors they know I deposited my money.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

This is a continuance of my previous CFPB complaint ID # XXXX that was closed, I received my bill yesterday ( XX/XX/XXXX  ) and the credit limit still says {$500.00}. I still have not received my card so I cant look up any information online regarding this account without the card. I placed an order over the phone on XX/XX/ since I still do not have a card. Each time I placed the order on XX/XX/2023 with the Macys Representative in the Order department over the phone, the order was cancelled three times. A few times before the Macys Representative could give me all of the order number information, I was getting an email and it showed online under my online Macys Account as cancelled by Macys. The 4th time I called about this exact same order that keeps getting cancelled. I was spoken to very rudely and I was hung up on by the Macys Representative. No one could tell me why this keeps happening. No one could tell me when I will receive the Macys Card. Since your calls are recorded for quality assurance, please review all of the calls I placed between Sunday XX/XX/XXXX  and Monday, XX/XX/. This has been very frustrating and I cant seem to get information and good customer service. How do I receive a bill before I even receive my card? The bill still says {$500.00} credit limit. I did receive a denial letter in the mail from Macys for a Macys American Express Card that I never applied for. I have only ever applied for the Macys Sore Card which I still have yet to receive and the credit limit per the bill has not been adjusted.
Consumer complaint received 2023-04-16
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: W&A Intermediate Co., LLC (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). 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. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Wakefield Account # : XXXX
Consumer complaint received 2024-11-13
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. (CA)

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my XXXX credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i tried accessing my credit report and there is a credit freeze on my credit report that i cant seem to access or gain control over. i cant log on to my XXXX  account any more my email, phone and phone numbers has all been compromise and i have sent a copy of my i.d social and and requested from transunion and and the other company to update and release my my information. i got denied. my XXXX XXXX, XXXX, XXXX, XXXX  and XXXX XXXX all are compromise XXXX XXXX and XXXX  cancelled my real account and the fake one is still up and running.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

I spoke with someone named XXXX XXXX at NCAC about a collection from a previous address. She stated that both myself and my now boyfriend both owed {$3900.00} for a place called XXXX. I knew we did not owe the amount because he never signed a lease with the company and I stated that to her. I also told her that I myself did not owe that amount because I left at the end of my lease according to the directions I was given by the lease manager. I was told to leave by XX/XX/2019 in order not to owe any money to them. I called XXXX XXXX and received a breakdown of what was owed after security deposit was deducted and charges were added for cleaning etc. XXXX does not want to acknowledge that and threatened to contact my employer and said the only way to make it go away was to pay the {$3900.00}. She was willing to take a one time payment of {$1900.00} which I did not want to do nor did I have it. I was willing to make payments on the actual amount owed but she refused.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at XXXX % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the XXXX account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.
Consumer complaint received 2023-04-15
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. (OH)

I have recently been trying to resolve late payments that XXXX XXXX has reported to the 3 credit bureaus on my account. On XX/XX/2023 XXXX XXXX granted permission to Equifax to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called Equifax and confirmed with an agent that the late payment had been removed and I was told XXXX XXXX agreed to remove the late payment. I then called XXXX XXXX asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my Equifax credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2021 I went in person to XXXX XXXX XXXX XXXX and turned in my written notice to vacate in 60 days to leasing agent XXXX XXXX who accepted my written notice. The notice is uploded and XXXX XXXX even added to the explaination in his own handwriting " moving to XXXX ''. I was instructed on XX/XX/2021 by XXXX XXXX to leave they keys to the apartment in the drop box at the office as no one would be there to collect them on a holiday weekend. I vacated on XX/XX/2021 and I have a video of the apartment the day I moved out. In the fall of XXXX sent me a letter from their attorney stating i owed a few XXXX dollars for vacating without notice. I promptly called the attorney, I believe her name was XXXX XXXX and explained i had the proper documentation and the conversation i had with XXXX XXXX. She told me the company made a mistake and this matter would be taken care of. XXXXXXXX XXXX  has now wrongfully put me in collections AGAIN stating I did not provide proper notice to vacate 2 years later! I have attempted to contact them 3 separate times and the receptionist told me every time that no one was available to speak with me. She assured me someone will call back and no one has ever contacted me. XXXX XXXX has kept improper records resulting in possible damage to my credit. I have also included a dated screenshot from XXXX XXXX website from XX/XX/2021 with my apartment listed for rent in XXXX the XXXX of XXXX proving XXXX had notice I was leaving.
Consumer complaint received 2023-07-28
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Re : Unauthorized Credit Inquiry I recently obtained a copy of my credit report from Experian, It indicated that a credit inquiry ( s ) was made. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. See below. 
XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Please have this inquiry removed/blocked from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have regarding the removal of this credit inquiry. 
Conversely, should you find that I am remiss, and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid 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: Avant Holding Company, Inc. (NY)

I applied for a credit card from Avant and was approved. I later received a notification that the credit card was activated, and I can now use my card. I immediately called them at XXXX and told them I had not received the card yet, so I did not activate it. I was transferred to the fraud department, and they froze the card and issued a replacement. I spoke to a male a few days ago who said he is an investigatorI explained to him that I did not receive the credit card and had no idea who could have made the charge. I asked him how someone could activate it and use the card without my information. I don't remember if he responded to my question. I was checking the due dates on my cards and noticed a similar charge on the Avant account again. I called customer service and was told the amount was returned to the bill because the investigator deemed that I was responsible for the charge. How can I be held accountable for a charge on the account when I never initially received the card?
Consumer complaint received 2023-04-16
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. (CA)

I just looked at my consumer reports and noticed some items I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I did not provide written consent to report the accounts. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late or DELETED, as specified in my notice.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

HI 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.