davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2020, I received an email notifying me of a charge to my PayPal account for {$340.00} from a microcomputer service company that I did not authorize. I thought my PayPal account had been deactivated at least 6 years ago and called PayPal at XXXX as advised in the email. When I made the call, I received the usual notice for today that due to COVID, the PayPal customer service department was closed, but that functions for billing disputes were available. In the process of working with a PayPal employee to resolve the issue, access was provided to Paypal to determine what happened and how to prevent access to the Paypal account going forward. In the process, the Paypal employees ( names with dates and amounts are provided in the attached documentation ) transferred monies between my accounts and used my accounts to make unauthorized purchases. Also, Paypal requested funds in the amount of {$2000.00} through 4 gift cards to prevent unauthorized access to my " deactivated '' Paypal account. XXXX XXXX  and XXXX XXXX XXXX stopped all but one of the transactions from being completed through their fraud surveillance departments. The letter sent certified mail to Paypal is attached with the supporting documentation and details including dates, names, actions and amounts. 

I am requesting a refund of {$2000.00} from Paypal for the gift cards used to purchase software to prevent unauthoriz ed access to my accounts. 

As additional detail, copies of emails and order confirmations for the original unauthorized charge of {$340.00} to XXXX XXXX XXXX XXXX are provided. These emails were received on XX/XX/XXXX. The address on the receipt is the corporate office address of Paypal while the address on the order confirmation email is for Paypal in XXXX, Washington. Again, this appears to be legitimate concern. I called the number given in the order confirmation email - the greeting doesn't mention Paypal. I spoke with a " XXXX XXXX '' who requested electronic access to my accounts to resolve the issue. Lesson learned - no access was given. Either Paypal 's accounts have been illegally accessed or they have rogue employees who are fraudulent conducting business in Paypal 's name. Either way, I need the refund of {$2000.00} as soon as possible. 

If any additional information is needed, my contact information is : Phone number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Thank you for your help! 

XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

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.

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 2024-09-19
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. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (FL)

In XX/XX/year>, I took out a loan to purchase a vehicle. However, I got scammed and never received the car. I filed a police report. Navy federal customer service told me I still need to make {$700.00} + monthly " car payments '' for a car I never received. For the last year and a half ive been struggling to make car payments for a car I don't even have.

Ive reached out to navy federal numerous times within the last year and a half for answers on how someone was able to walk into a Navy federal branch and cash a check and scam me. How come security measures wasn't in place? I had a customer service rep tell me, that the person who scammed me is a Navy federal member and has an account.

Which means navy could
at least provide some type of help to resolve the issue!!!! they are giving me zero answers. Im not getting any help at all, this is unfair and is causing emotional distress due to the lack of corporation. 

I was told im still responsible for the payment which is unfair since Navy isn't providing any answers, and it seems like whoever allowed the person to cash the check at the navy branch, is also in the wrong. 

im still suffering the consequences from this scam a year later. I struggle to pay this loan. Not getting any answers, no help. This has caused a lot of emotional distress.
Consumer complaint received 2024-09-26
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc. (PA)

I get my unemployment on the XXXX. I was a victim of fraudulent charges 6 times within 2 weeks. It has been a nightmare dealing with cardholder services!! My card was deactivated for know reason. I submitted complaint & it was finally reactivated after 2 months of being treated like a criminal, not able to get to my money, waiting on hold for hours to talk to customer service/supervisor, then hung up on and nobody having answers as to what is going on with my disputes or how to find out. XX/XX/2020, I was robbed of {$400.00} fraudulently charged from a Cash app in California. I live in PA, and don't even have an acct with this business!! I have been waiting for my {$400.00} to be credited back to me. This inconvenience has put me so much more far behind on my bills. Besides the fact 1 week prior {$200.00} was fraudulently charged. My cable/internet has been shut off, my phone that I've had for 20+ yrs was shut off and had to get a new phone/number. I'm now in the process of being evicted and have court date in XXXX. I called XXXX and was told to call back end of XX/XX/2020 to check status of {$400.00} Cash app dispute. I never received anything in the mail and was told it was denied and case closed!! There was No investigation done and nothing sent to me! This is disturbing and disgraceful that this is ok!! I'm looking into contacting legal help to sue. I want to know what was done and why I wasn't contacted. I never heard of this cash app until this happened to me. I never had an acct with cash app and dont know anyone in California!! I need my money that was fraudulently taken from me and given back.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: J.S Resolution Group, Inc. (CA)

On XXXX/XXXX/15 at XXXX pacific time. I received a call from an unknown number. Person left name, XXXX XXXX, stating that if I did n't call them back immediately legal action would be taken & I would be served papers. She left the file #. I returned the call at XXXX pacific time. I was transferred XXXX times. The first person was XXXX XXXX because, I recognized her voice from the voicemail msg. She then transferred me to someone named XXXX. XXXX said my name & asked if the last XXXX digits of my social were # # # #. As I was on hold, I XXXX this company 's name and saw the list of complaints from different consumers. 
When XXXX asked about my social, I replied, " I do n't know you tell me if that is correct. What is this debt about? I know my bills and I know who I need to pay. Can you tell me what is this regarding? '' XXXX replied : " So you do n't know your social? '' I said, " Ma'am, what is this debt about? Can you give me any information on who this debt is owed to? '' She said : " I ca n't give you any information because I need to verify that it is you who I am speaking to. '' I said, " I 'm not going to verify my social security number because, I do not owe any debt collector, and you will not even tell me what this about. '' She said : I am asking you for the last XXXX digits of your social security number. '' I said, " And I am telling you to verify the debt. What is this company that I apparently owe this debt to? '' She said, " So, you 're not going to give me the last XXXX digits of your social security number? '' I said, " I tell you what I will do, I am going to call the police. '' She said, " Fine. '' And she hung up the phone. If she was trying to verify if the person is actually me, why would she blurt out the last XXXX digits of someone 's social security number? Usually when asked to verify your social, a representative from a reputable financial institution will not repeat your information.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Block, Inc. (MS)

Notice of bankruptcy and probate notice and plea .. 
XXXX hearing notice of involuntary Bankruptcy Accounts administered under the cash app tag $ XXXX has several unlawful deductions and unauthorized attempts and payments that need to be fully restored and return including hereditaments. All transactions should not remove credits or cash from the overall balance. 
Add the total sum of all inquiries and make those credits available for the Beneficiary named on this account. 
Notice of hardship There is a low balance on the account and beneficiary can not survive with a low balance. 
Please return all monies, species, credits that has been transferred to any third party. This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America, and private commercial use. 
Notice to agent is notice to principle Selective Service I'd is : XXXX for XXXX XXXX XXXX XXXX, XXXX : and the United States of America XXXX 

Restore all funds to routing number : XXXX. 
account number : XXXX. 
within three days of this notice! Notice of emergency relief for egress, regression, right of movement and locomotion. This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ By : .XXXX XXXX, :XXXX : . and the united states of America Executor for :. XXXX XXXX XXXX ( Trust ). XXXX 


_____________ [ x ] _______________
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (IL)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Formal Complaint Against Experian for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to file a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple written requests, Experian has failed to remove unauthorized and unverifiable credit inquiries and accounts from my credit report. These requests have been ignored or inadequately addressed, resulting in continued inaccuracies that have damaged my credit. 

Summary of Events : First Dispute Sent : On XX/XX/year>XXXX, I sent a letter to Experian requesting the removal of multiple unauthorized hard inquiries and accounts, such as those from XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  I also requested verifiable proof of these accounts to comply with the FCRA ( XXXX  ). 

Second Dispute Sent : On XX/XX/scrub> XXXX, after receiving no resolution, I followed up with a second letter. I requested Experian to provide the procedures used to verify the disputed information and reiterated that failure to comply would be a violation of federal law ( XXXX ). 

Third Dispute Sent : On XX/XX/year>XXXX, I sent a third letter asking for the removal of the same unauthorized inquiries and accounts, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite my ongoing requests, these inaccuracies remain on my credit report ( XXXX ). 

Items to be Removed : XXXX XXXX, Hard Inquiry, XXXX XXXX  XXXX XXXX  XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX  XXXX XXXX  XXXX, Account : XXXX... ( and others ) Request for Investigation : I am requesting that the CFPB investigate Experian 's failure to comply with the FCRA. I am also requesting the immediate removal of all unauthorized and unverifiable items from my credit report, as required by law. I have attached copies of the dispute letters and supporting documentation to substantiate my claim. 

Thank you for your attention to this matter. Please contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.
Consumer complaint received 2024-09-19
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

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 has violated my rights. 

I reviewed my Experian, XXXX and XXXX credit report on XX/XX/2024 and noticed some 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 according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my equifax report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not EQUIFAX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
Equifax 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (FL)

This account is being reported as a charge off but has an open balance which is against the Fcra guidelines. This account was already reported as a loss no 1099 was provided the last actiivity dates are not the same which is also a violation of the fcra guideline Experian is reporting this account as a charge off monthly which is against the fcra guidelines XXXX is reporting paid as agreed but also reports as a charge off
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (TX)

The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (FL)

All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation XXXX is reporting paid as agreed but reporting the account as charged off as well
Consumer complaint received 2024-09-19
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (NJ)

My student loans are currently under an XXXX XXXX ( XXXX ) plan and are also in deferment, as I am presently unable to work due to a XXXX. I have submitted my approved IDR application to the company and provided mailed documentation confirming my unemployment status. Despite this, the company continues to report " late payments '' to the credit bureaus, which is exacerbating my financial hardship and hindering my ability to secure housing for myself and my children. There are XXXX " late payment '' entries on my credit report from this company, even though the loans are currently in deferment.