davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

Over the course of 5 days I was charged on my checking account XXXX $ in XXXX transactions by XXXX XXXX for credit that I did not receive with their site. I was trying to make a deposit of XXXX $ however the transaction was declined every time on the site but the money still left my account. I disputed the charges with PNC bank and they did not provide a provisional credit as required by the law Reg E. I have tried to contact them and have also sent them proof that I did not receive my site credit, and PNC has ignored all of my messages.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (GA)

NTL Recovery Acgency with the amount of XXXX. The date XX/XX/year>. I do not know about this nor do I no the company that it is from. I do not owe this money that is been showed here.
Consumer complaint received 2024-08-07
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

On XXXX XXXX I talked to XXXX XXXX at XXXX from XXXX Debt Recovery LLC DBA Genesis, collection agency representing XXXX XXXX XXXX regarding my liability on the amount owed in the account should be half of it ( {$5200.00} plus interest ) instead of the whole amount ( {$10000.00} plus interest ) since the lease contract was on my name along with my roommate, both being legally financial responsible ( see court documentation attached ). 
I filed a dispute with the credit bureau on the same day and their response were : verified information is accurate and balance reported is correctly ( see attachments ) I would like for this amount to be corrected on my credit report since legally Im financial responsible for half only. Thank you very much for your help with this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (NM)

On XX/XX/year> I went to the XXXX XXXX at XXXX XXXX in XXXX XXXX at the advice of my doctor through XXXX. The XXXX was showed photographs of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeing the Dr. XXXX XXXX at the XXXX  I told her what the XXXX said. She examined me visually and DID NOT XXXX  the XXXX  which limited her knowledge of the severity. She responded that there was nothing to XXXX. She prescribed XXXX  and sent me home. She did not heed the XXXX 's recommendations. I paid my {$500.00} deductible and drove to the pharmacy to fulfill my prescription. 

XXXX days later, the golfball sized XXXX  grew to the size of a grapefruit. This was extremely painful and the XXXX  were obviously not working. I called a friend who is a nurse and she advised me to go to a different XXXX  for treatment. I followed her advice and was treated successfully at XXXX XXXX XXXX XXXX. Dr. XXXX, said that the XXXX  didn't work because of the severity of the XXXX. He XXXX XXXX XXXX XXXX XXXX exactly like the XXXX said to do. At this point the pain was so intense that I was prescribed XXXX  to tolerate the pain, along with more XXXX. 

I also had to request a family member to drive up from XXXX XXXX to take care of me, because I was incapable of caring for myself, due to the location of the XXXX. Luckily for me, my brother was available at the time. 

I paid all my medical bills from XXXX XXXX XXXX XXXX, but do not fill inclined to pay a doctor that UNDER TREATED me and did not listen to my needs and the recommendation from the XXXX. 

The amount I owed after insurance paid was only {$85.00}. I sent a letter disputing the amount explaining that I was under treated. They still say I owe. Now there is interest attached, and the payment they are requesting through a collection agency is {$94.00}. 

This is a matter of principle and under treatment. I was absent for the entire month of XXXX due to the lengthy recovery period, had to visit XXXX hospitals and incurred more debt because the XXXX XXXX doctor did not perform the correct procedures to ensure my well being.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-04
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)

Experian XXXX XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.
Consumer complaint received 2024-08-07
Product: Credit reporting 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. (TX)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (CA)

Laurel Road XXXX XXXX XXXX declined my account application, referring XXXX XXXX. 
I don't have any negative information on XXXX. They requested my Driver License, SSN Card, and all other information by their representative first. After that, they also asked me to create online log in. After I created online banking log in, they told me that they were unable to open the account! 
WHY ASK FOR ALL ID INFO AND SET UP ONLINE LOG IN BUT REJECT ME! Questionable Practice! 

Bank Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Laurel Road is a brand of KeyBank, N.A. All products are offered by KeyBank, N.A. Member FDIC. XXXX  KeyCorp All Rights Reserved. 

Email us at XXXX XXXX XXXX For members using a TDD/TTY device, please call XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXX  for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT Account # XXXX In accordance with 15 U.S.C. 1692c ( c ), I demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Thank you.
Consumer complaint received 2023-04-20
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. (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. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2024-07-10
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. (MI)

An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.
Consumer complaint received 2024-06-04
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. (NE)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 1 5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a concumer an itam of the infnrmatinn ie folnd toconsumer, 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 ( i ) 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 2023-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

XX/XX/XXXX, money was sent to me via paypal. PayPal sent notification to accept the funds but showed it as a goods and services transaction instead of a personal one. PayPal asked me for a taxid to release the funds. I did not accept the transaction because of the wrong categorization and asked the sender to cancel the transaction. PayPal sent an email for me to approve a refund but instead of giving the sender back their money, PayPal took money out of my bank account to issue a refund. I called them a couple of times and sent messages via their website to correct this to no avail. I filed a dispute with my bank to get the unauthorized money they took out of my account and the bank refunded it. PayPal is still holding onto the sender 's money, refusing to cancel it without getting my social security number or taxid. This seems strange to me. What do they want my social security number for? I've asked them several times to cancel the transaction, I do not want the money. 

First I was told that the sender selected goods and services, which I disputed. Then I was told it's because I gave a QR code for them to identify my user info. This is not a business account. It is a personal account and I did not select the business account option. The bottom line is this should have been a personal transaction so in light of that I have been asking for a cancellation. They will not return the sender 's money even though they acknowledge that it was not intended to be a business transaction. They still refuse to rectify the situation without getting my social security number. First I was told this has to do with regulatory requirements. I disputed this claim because the IRS 's website contains info stating the requirement enforcement has been pushed to XXXX. Now, I was told it is to satisfy PayPal 's requirements because it is a large amount. It is still unclear why my social security number is warranted to cancel a transaction. I do not wish to accept the payment, I just want the transaction cancelled and the money returned to the owner. I am not selling goods or services to the sender and should not be strong-held to purport that I am. There are reports of PayPal trying to aggregate user 's social security number for a business venture they have going or will have going with another company. I do not know if this is true or not but hope to get to the bottom of this since PayPal is being wishy-washy in their responses.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CT)

I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.
Consumer complaint received 2024-06-04
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-04
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. (FL)

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2024-06-04
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)

XXXX Account Number- XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. it my understanding that the credit bureaus will investigate this account for me to ensure accuracy Please look into this matter for me thank you