davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (GU)

I used PayPal credit to buy a XXXX XXXX ticket to my father in law. I purchased it XX/XX/2018 worth around $ XXXX-XXXX. Something goes wrong as he was flying on XX/XX/2018, the XXXX XXXX send a refund worth of {$1000.00} for the unuse ticket XX/XX/2018.The PayPal credit is Paid off. I on my side would like to get the money back but the PayPal resolution center want me to send documents such as my ID, Address and social security card scanned to their resolution center. 
I provided Driver Lincense with my address on it and my social security card the 1st respond I made. 
It was reviewed in there behalf and send me another email that the documents is incomplete. The 2nd time I send them my bank checking statement it included my address match all my accounts. But for the 3rd time  PayPal Email Me again requesting for additional documents before I can get my refund. I dont know what to do.. All my bank account are link to PayPal electronically for easy acces. I used the same checking account I paid PayPal for all my transactions. Somehow to get my money back is impossible. Please help me resolve the problem. I dont know who else to talk. I called PayPal for the matter but the rep. Just forward me to a recording system. I was on hold for 13 mins. Can no longer wait I decided to hang up. But provided them the documents they needed for my account at the PayPal resolution center.
Consumer complaint received 2024-06-21
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)

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 Account XXXX : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-05-27
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PR)

XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PR)

XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date openedXXXX XXXX XXXX  Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXXXXXX Original balanceXXXX XXXX XXXX Monthly payment -- Last payment dateXXXX XXXX XXXXXXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2024-06-21
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. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-27
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. (MD)

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the Transunion platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with Transunion. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
Transunion has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PR)

The Company Pennsylvania Higher Education isnt managing my loan account correctly. On XX/XX/2018 I received a letter notifying to recertify for the Pay as a You Earn repayment plan. I submitted all my paperwork before the due date. I submitted my paperwork several times, the last time was on XX/XX/2018. I called to verify with them if they received my papers and the operator said that everything was okay. Later on I received a letter saying that the Repayment plan was denied. That in that month of XXXX I have to play {$1000.00}. Amount that I didnt have. I called immediately and they stopped the direct debit transaction. But the problem still is that I submitted my paperwork on time and they failed to process my application correctly. This situation is really frustrating. As a consequence of them not managing my account correctly I missed one of the payments towards the loan forgiveness program. I will really appreciate your help. I honestly dont know what else to do. I called to solve it almost daily and they dont know what they are doing. Thank you for your help! I just want to pay correctly my student loan.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2024-06-21
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My complaint is about Capital One bank, about a credit card account. I was told that my account was restricted due to overdue payment, & that all I needed to do was pay about half of the balance due to reactivate my credit card. So I mailed in a check for the ENTIRE balance, and it was delivered, cashed, and posted onto my account. The very day the check posted onto my account I called to have the restriction removed so I could use the card again, but the representative on the phone told me that Capital One closed the account, and I just lost everything I just paid them. No notice WHATSOEVER, in fact it STILL states in my app that the account is still open and just restricted. Then I re applied for another credit card with them, and they DENIED ME?!?
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : LOANDEPOT Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

Time has already passed but up until now, I havent heard any kind of response from the Experian and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to correct these accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Lease
Issue: Problem with fraud alerts or security freezes — 
Company: BMW Financial Services NA, LLC (PR)

Back a year ago, I received a fraud form to be return to BMW Finance. I  did return the form but never heard from the again. 

About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car. 

Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.
Consumer complaint received 2018-07-27
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: CITIBANK, N.A. (PR)

The three credit agencies XXXX, XXXX and XXXX  are reporting an Charge off account with a pending balance that is affecting my credit in a negative way. I called your company and there's no account with a pending balance or account that match the account number or my social security number showing in the credit reports. I never request an account with CITI or had an account open in the date that is showing in the credit report or an account number that match. I onlye have a XXXX XXXX credit card that have a different number that is closed and is pay as agreed.
Consumer complaint received 2024-06-21
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)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX OF XXXX - XX/XX/XXXX : XXXX  # XXXX - XX/XX/XXXX : XXXXXXXX XXXX - XX/XX/XXXX :
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.