davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (HI)

I disputed a transaction that occurred on XX/XX/year>. PayPal claims they refunded XXXX times for this XXXX transaction, once on XX/XX/year> and again on XX/XX/year>. PayPal recommended we do a XXXX way call ( PayPal, my credit card company, and myself ) to clarify what happened. During that call it was verified by my credit card company that XXXX refund occurred for the XX/XX/XXXX transaction and that refund occurred on XX/XX/year>. My credit card company also verified there was NEVER a XXXX  refund. Even though my credit card company confirmed what I had informed PayPal ( which is that there was NEVER a XXXX  refund ), PayPal continues to harass me on this issue by asking for a copy of my bank statement for clarification. I provided the copy of the statement and again PayPal was not satisfied ( this time stating the copy of the statement was illegible ). I believe PayPal will continue with excuses to harass me about this second refund no matter what I do. PayPal has even sent my account to a collections company named XXXX XXXX XXXX XXXX. I received a letter from the collections agency dated XX/XX/year> attempting to collect {$930.00}. The {$930.00} is the amount PayPal debited my PayPal account when they claimed to have refunded me twice for the XX/XX/XXXX transaction which has put my PayPal account value at- {$930.00}. I should not be forced to pay the {$930.00} that PayPal debited my account due to this XXXX refund that PayPal insists happened because it NEVER did happen and its been confirmed by my credit card company that it NEVER did happen.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : DISCOVER BANK under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I sent dispute letters to Experian, XXXX XXXX and XXXX on XX/XX/2023 for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Next Financial Inc. dba Copper (KY)

My XXXX granddaughter and myself had a XXXX account with the company Copper. Copper is going through a business restructuring and is supposedly refunding all money that was stored on its online accounts to the parent account ( me ). I keep getting emails about the funds being delayed for one reason or another and my granddaughters total savings of {$3500.00} is hanging in the balance.
Consumer complaint received 2024-06-29
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. (MD)

I recently obtained a copy of my Experian credit report after applying and getting denied fir a home loan and noticed that some accounts on my credit report are incomplete and inaccurate, which I believe to be a violation of 15 U.S.C. 1681e ( b ). This section of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, I believe that the credit bureau has also violated the following sections of the FCRA : - 15 U.S.C. 1681s-2 ( a ) and ( b ), which outline the responsibilities of furnishers of information to consumer reporting agencies - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ), which requires the credit bureau to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate - 15 U.S.C
. 1681i ( 5 ) ( A ) ( ii ), which requires the credit bureau to promptly notify the furnisher of the information of the determination and provide any corrections necessary At this point, I am concerned that these inaccuracies and inconsistencies are being reported deliberately. The credit bureau 's failure to maintain accurate information is not only a violation of the FCRA but also a serious concern for me as a consumer. 

I request that the credit bureau take immediate action to investigate these issues and correct any inaccurate or incomplete information on my credit report, in compliance with the requirements set forth in the FCRA.
Consumer complaint received 2023-06-19
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. (NV)

I have contacted XXXX XXXX multiple times they have sold my account to an agency with an incorrect balance. XXXX XXXX is reporting on my credit as well with the correct balance. XXXX XXXX XXXX XXXX is reporting on my credit with a balance of {$3200.00} win the actual balance I had remaining with XXXX XXXX was {$1200.00}.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America immediately Stopped all communication when I gave them proof on there own letterhead of Breach of Fiduciary Duties, and Grand Larceny, they would not give me there bond, Insurance. they hung the phone up several times on Me. 
Not being accountable or responsible for their willful wrongdoing. This was done over 45 Times. They are a Holding Company with the name Bank attached. Operating in financial affairs. On going battle since XX/XX/XXXX. So I'm asking for CFPB to do that which is Right and Equitable. Enforced The Law XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have All Dates 121 pages.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-30
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. (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
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

My XXXX  ( XXXX XXXX XXXX ) is now XXXX. He had an account with Chime ( acct # XXXX - Phone # XXXX ). I made contact XX/XX/24 with Chime using his phone number and last four of his social security #. The requested documentation was submitted via email on XX/XX/24. To date we have not had a response from Chime. Numerous calls have been made and all we are told is " you'll receive an email within XXXX  hours ''. After XXXX  weeks of this, we still are getting NOWHERE!!! The account # is XXXX as they will not share any information with us. 

He was found XXXX  and his phone and wallet were not found XXXX XXXX. Therefore his debit card has been missing since his XXXX. We still do have no idea if there were fraudulent charges made on the account because NO ONE WILL RESPOND OR ANSWER ANY QUESTIONS!! 

I am attaching copies of the documentation requested and provided to Chime  as well as screenshots of the email requesting documentation and receipt email of said documentation indicating a response within XXXX hours. To date, this was the last communication with them on this matter. All other phone calls have not yielded a response.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

There is a mortgage account I had with USDA that was discharged in bankruptcy in XX/XX/XXXX and it still shows on my report. It should have been deleted. USDA instead, after my continued disputes, updated the account to show that mortgage was included in Bankruptcy in XX/XX/XXXX. The account has been re-aged and shows payment history, etc. from XX/XX/XXXXon. Please see documents I am including with my complaint that fully explains the ongoing dispute, with both USDA as well as Experian. Both parties are refusing to rectify the situation even though they know the information is inaccurate and should be deleted. USDA, as you will see, acknowledges the actual date of bankruptcy, i.e. XX/XX/XXXX as well as the fact that the mortgage was discharged, but still refuses to remove it from my account. The only data that should have been reported from XX/XX/XXXX on should have been a XXXX   balance and an IIB status -- which never happened.
Consumer complaint received 2024-05-19
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. (NJ)

Remove all fraudulent and inaccurate accounts from my credit report.

Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

caine & weiner send me a debt collcetion and we do not have a contract Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-12
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. (CA)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have returned the goods back to XXXX and still have not received my refund. I contacted the merchant directly regarding my ACH payment. Even though I haven't used XXXX  they charged me and sent me a hardware for computer program. I returned and demanding my refund for my total ACH payments amount of {$22000.00} please see the tracking number XXXX WellsFargo is demanding I have to resolve it with the merchant. Merchant is not responsive and I need my fund. It is now WellsFargo 's duty to protect the customer 's fund. I have returned the item and tracking number shows delivered.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I referred XXXX XXXX and XXXX XXXX to the Capital One XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. I gave them my Cap One XXXX XXXX referral link and even helped them to fill out the application as I was with them in person. 

I was credited XXXX miles for XXXX XXXX, but I still have not received the credit for XXXX XXXX. Both were approved.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.