davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PR)

I opened a dispute on PayPal CASE ID XXXX XXXX reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction.

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police.

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history.

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history.
Consumer complaint received 2023-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

ON XX/XX/XXXXXXXX UNITED REVENUE CORP WAS SENT A CERTIFIED DISPUTE LETTER ( TRACKING # XXXX THROUGH THE USPS ), IN WHICH THEY RECEIVED ON XX/XX/XXXX. THE LETTER REQUESTED VALIDATION IN REGARDS TO AN ALLEGED MEDICAL DEBT ORIGINALLY OWED BY XXXX  XXXX XXXX  IN THE AMOUNT OF {$980.00}. UNITED REVENUE CORP HAS ILLEGALLY SUBMITTED A FALSE DEBT TO THE CREDIT REPORTING AGENCIES WITHOUT NOTFYING ME OF THE ALLEGED DEBT IN WRITING FIRST. AS OF XX/XX/XXXXXXXX  UNITED REVENUE CORP HAS FAILED TO RESPOND TO MULTIPLE DISPUTE LETTERS. THEY HAVE FAILED TO PROVIDE LEGAL PROOF, SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PR)

I began to use the credit card that was offered to me and as I used it I made payments so as not to have to pay interest and maintain good use and management, but the last payment received was not credited to the card since it is under investigation and if it will be made further payments will not be credited to the card until they determine to credit it.
Consumer complaint received 2023-06-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (OH)

Statebridge LLC sent me a letter stating that I owe on a debt that was discharged in XXXX  XXXX bankruptcy and the lien was cancelled The debt was a 2nd mortgage that was turned into an unsecured debt of which was the original creditor XXXX also known as XXXX mortgage The bankruptcy was successfully completed in XXXX. I received this letter from Statebridge on XX/XX/XXXX. I responded with a handwritten letter and a copy of the court document of which it verifies the successful bankruptcy completion and lien cancellation. It was sent certified mail and they received it on XX/XX/XXXX The letter they sent stated I owed {$50000.00} principal plus {$100000.00} in interest and now on XX/XX/XXXX they sent me a mortgage statement stating I owe 14 years and 7 months of monthly payments totaling {$100000.00}. They stated that having the debt discharged in bankruptcy that they are sending the letter for informational purposes only and not trying to collect a debt but yet has a dollar amount stated
Consumer complaint received 2023-11-18
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. (PR)

In accordance with Fair Credit Reporting act XXXX account # 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 an account without my written instructions
Consumer complaint received 2023-11-14
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. (PR)

in accordance with the FCRA convergent account account XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXX Bank XX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada CoreLogic XX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXX Bank XXXX XXXX XXXX no autorizada XXXX XXXX Section XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The XXXX XXXX 's filed by me should have been for XXXX XXXX XXXX XXXX in which I provided the EIN for each XXXX. Therefore, it should have not been entered under my SSN that has impacted me obtaining a mortgage loan, utilizing my VA XXXX that I have earned by servicing this Country and high interest rates.
Consumer complaint received 2023-11-17
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. (PR)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

On XXXX XXXX XXXX I noticed an account on my credit report. I called Capital One to indicated that account ending on XXXX was not fine. It was a fraudulent account open under my name. On XXXX XXXX  I received and email with an account statement, stating that the payment was pass due. The account it is not mine.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (OH)

My loan was recently transferred to another mortgage company. My property taxes are paid twice a year from my escrow account. Upon notice of my mortgage transfer, I contacted my new company on XX/XX/XXXX to ensure my property taxes would be paid on time as the finalization of the transfer ( XX/XX/XXXX ) came really close to the due date of the property taxes ( XX/XX/XXXX ). The mortgage company told me to call back on XX/XX/XXXX. I did that, and they told me they had no record of my property taxes, and to mail the bill in. I mailed the bill in and called on XX/XX/XXXX to confirm receipt & processing. The mortgage company then stated they never received the bill, that their records showed the taxes were only due in XXXX, and that my previous lender paid off the taxes. None of this was true, as XXXX XXXX registrar showed ( and still shows ) a due balance for my property taxes. At that call, the individual told me to email the bill in, which I did, and he confirmed receipt on the call. I called in on XX/XX/XXXX to check the status, and once again, the rep initially stated they had no record of a bill. Once she found the bill, she stated they would get working on submitting payment. I called back in today, XX/XX/XXXX, and the rep stated there was no record of the bill and that I would need to mail or email the bill back in. 

My tax bill has always been paid from escrow twice a year. The transfer of my mortgage appears to be impacting a timely payment as this new company can not find the record of this, even when I send in and call about it.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I called and spoke with a representative on a recorded line for my XXXX credit card ending in XXXX. The representative lied to me about the terms of the promotion and timing of receiving certain benefits. I messaged with Chase for the past two months. I requested a refund of the {$100.00} annual fee because of the misrepresentations made to me when I signed up. I spoke with multiple reps and secure messages and Chase ignored my requests and hung up on me.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

Since XX/XX/year> Midland Credit Management has been calling and sending me letters about a debt they have yet to validate. I expressed to them to stop calling my phone I had to keep blocking several numbers after repeated harassment. They kept sending me bills of said debt which they never validated, on XX/XX/year> via certified mail I asked them to send me validation that such debt belongs to me as I have had several other companies and debt collections agencies try to contact me about said same debt. Thirty ( 30 ) days later they responded with another bill and bill history from the original creditor but not the validation information I requested. 
The debt was also already charged off. I also contacted the original creditor for a copy of the 1099c as I am no longer employed and living off the government assistance since my husband passed.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on XXXX. Also, this charge-off account shows a {$9200.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on XXXX and also Experian. It's reporting ( XX/XX/XXXX ) on XXXX. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. XXXX, XXXX and Experian has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a 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 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (CA)

On the company 's website they state that the CD holder has a 10 day grace period following the maturity date. When I tried to close my account two days after my maturity date ( the day before their website was down ) XXXX XXXX XXXX XXXXXXXX XXXX said because I told the bank to renew the account, they renewed it, which is fine because that is what I thought was fine. The reason for waiting is to find out what the update interest rates will be. They mention on their website that it is XXXX  at maturity date. I decided I did not like that rate and wanted to close it. When I called to close my account they said that I will receive an early withdrawal penalty which is not what is written on the website. When talking with XXXX on the phone he said that I had the option for the bank to do nothing with my money until maturity date but after 10 days the bank will automatically renew my cd with the current rate. Therefore, my complaint is about the inaccurate information on their maturity date process. It is misleading and at the end of my term, I ended up having to pay a penalty for an action that was very unclear.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Kohls changed my store card into a " Capital One Visa '' without allowing me to opt in. I did not give my permission to open said Capital One Account and when I contacted Capital One to close the account and move the balance to an existing Capital One Account they refused to allow me to do it even though there was plenty of credit available on my account. 

I contacted Kohl 's customer service and asked them to revert my account back to a store account and the staff brushed me off and gave excuses that they " don't have any of my information anymore '' yet refused to help me beyond this excuse to resolve the situation. They informed me that I needed to return to a kohls store and " open a new account ''. Also, I was informed that I was " chosen '' for this " wonderful offer '' and they refused to understand that this is a different type of credit and that I DID NOT OPT IN OR AGREE to this account change. 

I contacted Capital One and canceled the new card and had to transfer my balance onto another credit card and now I have a negative item on my credit report for the closed Capital One account.

I believe that this is a violation of the Fair Credit Reporting Act!
Consumer complaint received 2024-05-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-11
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)

TO WHOM IT MAY CONCERN.

I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me.

Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws.

Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (CA)

Bought a {$500.00} gift visa card at XXXX. The next day someone used it remotely online for a {$500.00} XXXX  purchase. The card did not appeared to be tampered with but the card number, expiration date, and security code are in plain view so it was easy for someone to write down the information before I bought the card and use it when the card was charged. Despite dealing with Vanilla Gift Card for over a month and submitting all the information a number of times I have yet to receive a refund.
Consumer complaint received 2023-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-07-18
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. (TX)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-04-11
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. (GA)

Credit inquiries that I did not authorize:

XXXX XXXX  XXXX/2023
XXXX XXXX XXXX. XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX2023
XXXX XXXX - XXXX/2023
XXXX XXXX  -  XXXX2023
XXXX XXXX XXXX. XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX XXXX XXXX -XXXX/2023
XXXX XXXX XXXX - XXXX2023