davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

Synchrony Bank sent a response to my previous complaint ( CFPB # XXXX ) that does not address the actual issues brought to their attention, simply stating meaningless facts for the sake of providing some sort of a response. For instance, Synchrony Bank stated that the address on my Synchrony Bank account does not match the address on my inquiry through the CFPB : this is not true because all my Synchrony Bank statements and other correspondence from Synchrony Bank carry the same address as the address shown on my inquires to Synchrony Bank directly and through the CFPB. 
The letter dated XX/XX/XXXX by Synchrony Bank, of which a " copy '' was attached to their response sent to the CFPB, was never sent to my attention by mail or through the on-line portal. This letter stated the following : " At this time, we consider the dispute closed and the matter resolved to your satisfaction. These credits will appear on your XX/XX/XXXX billing statement. This adjustment does not set a precedent for any future adjustments regarding this matter. In addition, no further adjustments will be made to your above-referenced account unless there is a valid billing error ''. 
Instead, I received a letter from Synchrony Bank dated XX/XX/XXXX which stated the following : " If you feel that your inquiry was not handled appropriately or you have additional information not previously provided, please call us within 30 days of this letter at the phone number listed below so that we may further review your inquiry ''. 
In fact, based on the letter I received from Synchrony Bank dated XX/XX/XXXX, on XX/XX/XXXX I contacted the Dispute Remediation team and discussed the circumstances of the disputes on the two orders with XXXX XXXX XXXX, having already requested on several occasions over the last few months that the overbilling on the orders ( order # XXXX, sale date XX/XX/XXXX ; order # XXXX, sale date XX/XX/XXXX ) is reviewed by the team at XXXX XXXX XXXX and the overbilled amounts are fully refunded to me. On XX/XX/XXXX, the Account Manager of Dispute Remediation at Synchrony Bank ( XXXX XXXX XXXX XXXX reassured me that the disputes have been re-opened ; he was also able to confirm that the address on my Synchrony Bank account is the same address I used in the correspondence regarding my disputes, and was unsure as to why the Senior Specialist XXXX XXXX stated in the response provided to CFPB that the address in my inquiry ( dispute ) does not match the address on my Synchrony Bank account.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AZ)

I've tried settling the account with the amount I know I owe which was XXXX months rent. I paid {$1400.00} a month and collections is charging me twice the amount. I reached out XX/XX/2023 to do a pay to delete and receive everything in writing. The response I received was, the only settlement they can offer is for {$2900.00} and they do not offer anything in writing. My offer was what I owed which is {$1400.00} and {$100.00} for late fees but collections ( Hunter ) were not budging with me, if anything I was told to hire a lawyer and have them reach out to them. I am responsible for {$1400.00} because I moved out XXXX month prior to the third year living at the property but I had not signed a lease that binded me to stay at the rental property. The lease was to be signed annually for a years time. 

Please assist with changing the amount owed or deleting altogether because the amount listed on credit reports by the collection agency is requesting is not the amount owed. Also, when I tried to settle, the collection agency do not provide any documentation to record the agreement only a receipt once payment has been made XXXX hours after payment has been collected. 

If I make a payment how do I protect myself without documentation. The debt is holding me back from obtaining another rental for my family and I. Please help!
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

THESE ACCOUNTS ARE TO BE DELETED IMMEDIATELY OR LEGAL ACTION WILL FOLLOW AND SUIT WILL BE BROUGHT UP ON TRANSUNION FOR VIOLATING MY RIGHTS!!! 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). you transunion have violated my rights i am disputing all of the debt they have allegedly verified and they stated all of the information on the accounts as accurate but that is not true i did my research and found improper inaccuracies there are many inconsistencies among the three credit bureaus even after the disputes and validation letters i sent them that include but are not limited to dates accounts opened, date last active, date of last payment, last reported date, past due amount, high credit and balance. furthermore in accordance with the fair credit reporting and convergent accounts # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # 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 a consumer reporting agency can not furnish an account without my written instructions you will be held liable i need the accounts deleted from my credit report immediately as you have now violated my rights and taken longer then 30 days to respond
Consumer complaint received 2023-04-14
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. (KS)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair credit reporting act Account # XXXX XXXX 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.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc. (WI)

This is in reference to my MIB report Several companies accessed my report without my explicit permission : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
I would like those inquiries erased. 

XXXX added false data to my report without my permission. they conducted a third party exam showing 3 problems. I had an exam consequently with a medical doctor and the results were opposite. I have contacted XXXX several times with out success. I would like their information removed from my report.
Consumer complaint received 2023-04-14
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. (MI)

After reviewing XXXX correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.
Consumer complaint received 2023-04-14
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. (NJ)

I noticed an inquiry from XXXX on my report. I have NEVER applied for anything XXXX and never would. I dont agree with there practices. I called Experian and they are completely useless as always. They are impossible to deal with. They give me excuse after excuse. Call XXXX and others. I do this and get nowhere.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-04-14
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)

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account numberXXXX  has violated my rights. Or list of inquiries 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 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.
Consumer complaint received 2023-04-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Reference NY # 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 According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management started reporting on all my reports XX/XX/2022. They are currently reporting on all XXXX national reporting agencies. They do not have the authority to collect anything from me. Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they are not licensed in the state of Illinois to collect anything as they do not have an active license for Illinois. This has been reporting for over a year negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they do not have authority to collect in IL. There are XXXX different collections showing, their account numbers are as follows : XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: LEXISNEXIS (GA)

This is my complaint to Lexisnexis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (IL)

Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.