davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
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 (NC)

I am trying to close my paypal account. Paypal says I can not because there is a transaction 'in process. ' That is false by any reasonable definition of the term. I can prove the following about the transaction claimed to be in process : 1. Seller sent a shipping notification 2. The item purchased was delivered and is in my possession 3. My bank statement shows funds for the item were transferred 4. Paypal itself does not mark the transaction as 'in process ' in the 'activity ' menu showing all transactions I am attaching an invoice from the seller showing a transaction status of 'shipped, ' which I have confirmed on the phone with the seller indicates the transaction is considered complete from its perspective. I can provide further documentation that funds have indeed left my bank account for this purchase.

In fact those statements are true for ALL transactions listed on my paypal account, with appropriate qualification for statements 1, 2 depending on the nature of the item purchased.

Attempts to resolve with paypal : 1. Multiple online message conversations with customer service, for which I have records 2. Two phone conversations with an actual paypal employee via their customer service line Paypal 's responses have been at times nonsensical, at times conflicting, and always have ignored the basic fact that I can show every party to the transaction considers this transaction closed.

As an aside, and possibly the subject to another complaint : The following is the reason I was trying to close my paypal account to begin with.

Paypal abruptly removed my bank account, my main source of funds for the service. Once again, its explanations for doing so were difficult to come by in the first place and, when given, were nonsensical. For example, paypal suggested my bank had changed its routing number causing the failure and removal from paypal. But that is not true ; I used the same bank account to transfer funds just days before ; there were ample funds in my account for all purchases I have attempted to make.

Paypal via customer service message app claimed it would resolve this issue by scheduling a call with me. That has not yet occurred after about a week, as of this writing. 

A quick check of the paypal XXXX shows this service summarily abuses customers, and that has been my experience. A poorly maintained, poorly operated service that does not deserve anyone 's confidence and should be more tightly regulated. Thankfully I do not need to use this service, e.g. for my business, and will get out as soon as able.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I received a letter from Synchrony Bank concerning my sleep number account. The letter stated my account was closed based in part on a credit scoring system that was used to PREDICT my creditworthiness. Is profiling appropriate or legal on a account that is in good standings with a XXXX balance? 

I have never been late on this account with Synchrony Bank, further the several thousands dollar purchase was paid off in full, never late and my credit limit with Synchrony Bank was increase without my asking/solicitation due to my account in good standings. My mortgage, auto, credit cards and other bills are all in good standings so why? 

The company was contacted and unwilling to reopen my account thus directly NEGATIVELY impacting my credit score and worthiness without justified cause. I have a total of THREE accounts with Synchrony Bank and ALL are in good standings and two of the three have a XXXX balance. Does this make any sense? 

My account as been paid in full since XXXX and I have maintained a XXXX balance. It is my belief the actions taken by Synchrony Bank are unjust, a unethical business practice and one that harms consumers as there decision and action without due cause will impact my credit score adversely.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (SC)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request to Update Credit Report XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to request your assistance in correcting an inaccurate report from Portfolio Recovery XXXX XXXX XXXX on my credit file. The account in question pertains to a debt purchased by XXXX XXXX XXXX from XXXX XXXX XXXX. and currently reflects a negative status, which does not accurately represent my current payment arrangement. 

The details of the account are as follows : Account Number : [ XXXX ] Original Creditor : XXXX XXXX XXXX. 
Balance : {$380.00} Payment Plan : Active ( with XXXX payments remaining as of XX/XX/year> ) Next Payment Due : XX/XX/year> As the attached documents demonstrate, I have entered into an active and agreed-upon payment plan with Portfolio Recovery XXXX XXXX XXXX this debt. I have been making timely payments according to the schedule, as evidenced by the confirmation of my most recent payment made on XX/XX/year>. 

Despite this, the account is still being reported as a negative collection account, which is unfair and inaccurate. The status of this debt should be updated to reflect the active payment arrangement and my continued adherence to it. Therefore, I am requesting the XXXX XXXX XXXX XXXX intervention to have XXXX XXXX XXXX correct this reporting and ensure that the information reflects the positive status of my ongoing payment plan. 

Please ensure that the updated information is reflected with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My daughter is the primary person on the account and I am the co-signer. During COVID, my daughter lost her job, and had a hard time getting payments on time. XXXX agreed to make payment arrangements and in many cases, the account was in a payment arrangement but per XXXX, they are not structured to note that payments were being made. Instead, it is showing the accounts past due. Last year, I finally got my daughter to trade the car and the car was paid in full. To this day, it's still showing in my credit report, even after I have asked XXXX to send the notification to the bureaus and this has been months, and still not resolve. I am trying my best to get my credit situated and I have disputed this matter many times.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have requested validation or removal of debt in the total amount of {$710.00} opened on XXXX XXXX, 2015 from this collection agency and they have failed to provide debt validation information via US postal mail or to remove the debt from XXXX credit reporting agency. It has been more than 45 days since the original request was sent.
Consumer complaint received 2024-10-15
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. (GA)

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-03-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (CA)

The fraudulent acquisition and use of a person private identifying information, for financial gain. Infringement upon a consumer 's right to privacy! 
Plus violations of Codes : 15 USC 1692a. ( 6 ) ; 15 USC 1692b ; 15 USC 1692c. ( a ). ( b ) ; after I sent a certified letter to 15 USC 1692c. ( c ) was violated this debt collection sent me another attempt to collect a debt letter. This is a violation!

15 USC 1692e. ( 1 ). ( 10 ) ; 15 USC 1692d. ( 1 ) ; 15 USC 1692j. ; 15 USC 1692k. ( a ) ; = INVOICE for {$10000.00}. 
and I want this Delete from my consumer report and any of there affiliates data sites.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (WA)

On XX/XX/XXXX I was to receive {$790.00} ( retirement ) and on XX/XX/XXXX {$770.00} SSI. Once my SSI was deducted I received {$23.00} as my monthly SSI/XXXX  payment. This left me awaiting my retirement money which I am told is on a different debit card with a different card number. I have tried and tried to call DirectExpress and resolve this issue and I get nowhere. They say they need to transfer me to someone else and every time it only gives me the original menu for the wrong people. 
I have been able to find out that the retirement card starts with XXXX and ends with XXXX. Also I have an account number XXXX and possible tracking number of XXXX. I have this info but I can't even get to talk to someone to use it.. I have tried for nearly a week.. It's possible it got sent to an old address.. I called there and they don't have it or it may have been sent back. BUT again, I can't talk to someone to do a search or tell me something tangible. I really hope your agency can help me.. My rent is over due and I'm looking at being homeless which scares me.. Thank you!!
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Dear Madam or Sir : I am writing to file a complaint about Chase Financial. Recently, I started a new position with XXXX XXXX, of XXXX XXXX, Maryland. I am a XXXX with the XXXX in XXXX, Maryland. As such, I am required to obtain a Public Trust clearance, which requires that I undergo a security investigation. This investigation may rely on previous investigations, including Department of Defense, other Federal agencies, and other private company background investigations.

During my security clearance, I was asked about my debt with Chase Financial. This debt was charged off on XX/XX/XXXX. I received a Form 1099-C and claimed this charged off debt as income on my XXXX  Federal income taxes. 

Initially, I could not find the one paper copy of Form 1099-C that I received from Chase Financial. I called Chase Financial on  XX/XX/XXXX to obtain another copy of the Form 1009-C from XXXX. During my phone call, I was transferred from the U.S. call center to a call center in XXXX, and then transferred back to the U.S. During this phone call, I was asked to provide my Social Security Number and date of birth multiple times to prove my identity. Despite all of this information, Chase Financial was unwilling and unable to provide me with an electronic copy of my XXXX Form 1099-C. I was asked to write a letter to their home office in Delaware, provide my original Chase account number ( which I no longer have ), my  Social Security Number, and my date of birth. Their sheer intransigence and excuses in this matter were quite frustrating. I was a XXXX employee in the past, and my information was hacked during the XXXX XXXX data breach. As you can imagine, I am protective of my Personal Identifying Information ( PII ).  Given the prevalence of electronic records, Chase Financial should have been able to e-mail me an electronic copy of the XXXX Form 1099-C within 48 hours. I am furious that Chase Financial continues to avoid operating at 21st century electronic records requirements. 

If you need to speak with me, I can be contacted on my cell phone : ( XXXX ) XXXX. My email address is : XXXX, if you would prefer to use email. Thank you for your assistance. 

Sincerely, cc : Representative XXXX XXXX Senator XXXX XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (AL)

Allied interstate did not send me a letter for allowing me to dispute this against XXXX XXXX that they are trying to collect for! But they will try to say that they did but I never received their collection letter. This is a new trick which collection agencies are pulling to put things on your credit before they send you a letter. I didn't get a letter even after the had placed it on my credit report.
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX and this is not my account. I need this removed off my credit report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-15
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. (TX)

I HAVE SUBMITTED SEVERAL DISPUTES TO THE CREDIT BUREAUS AND THEY ARE NOT RESPONDING AT ALL. THIS IS NOT RIGHT. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 


SEE ATTACHED CREDIT DISPUTES AND INQUIRES
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I asked for compliance on the debt collection agencies behalf to proved me with a signature on the debt owed. None was provided. I still receive phone calls week about it. Just want confirmation on the debt, amount owed and my signature and or original paperwork involved with the debt purchase. They have nothing. 

Debt was supposedly purchased in XXXX of XX/XX/XXXX. I have received no documentation of original debt amount and or signature stating it was me.