davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

This is a continuation of the attached description with Paypal : I send {$99.00} from my online bank mobile banking to Paypal using my name ( XXXX XXXX ) and my phone number ( XXXX ). I never received it. Paypal admits to sending my {$99.00} to someone else ( I later found out was a person named XXXX XXXX who I have never met or ever made any sort of contact with ) who has the same phone number somehow associated to his Paypal account. Paypal refuses to correct this mistake of sending my money to someone I don't know or intended to ever send to! I have had this phone number with Paypal since I opened my account and have kept it current by doing it online or with a Paypal representative over the phone. I have had this phone number for over 2 years now both initially with XXXX and later with XXXX ( after changing providers ) under the same phone number and with the same name on the bill. 
Paypal refuses to refund my {$99.00} and they refuse to look up their online records which show my attempts to update my phone number online either with home computer or my mobile phone ( way before the issue of missing funds ever came up ) and the associated I.P addresses which are recorded whenever someone goes online verify and confirm phone number and any other profile info with Paypal. Additionally, they refuse to look into the call logs of when I personally called Paypal and spoke to a representative to update and verify my phone number ( again way before the issue of the missing funds ever came up ). Why did i call or go online to verify my phone number? Because the system or a live agent asked me for verification over and over again as requested. Time after time and call after call with various Paypal representatives was I reassured my profile was up to date and current. Paypal has to have a online record as well as phone call log as to when i contacted Paypal via my computer IP address or direct phone call via phone number Why wont they refund me my missing money? Because they claim the phone number in question ( which they use to direction money transactions ) was verified and claimed by someone else ... with my phone number! Unbelievable. Even though original transaction I initiated with my bank used my name and phone number, the funds were still misdirected to someone else. Even though when i opened this account with my current phone number it was still lost. 
Paypal refuses to get my money or take any further actions to correct the misdirected and lost money. This is not acceptable.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

I understand your frustration with the fraudulent inquiries appearing on your consumer report, which are not associated with you in any way. As a victim of identity theft, this issue has caused you significant mental and financial distress, hindering your ability to achieve important financial goals like purchasing a home and providing for your family 's needs. 

I want to assure you that I take this matter very seriously. Having inaccurate and fraudulent items on one 's consumer report can have far-reaching consequences, and it is unacceptable that this situation has substantially impacted your financial well-being. 

Thank you for providing a copy of the letter you previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution. I appreciate you following the proper procedures and making multiple attempts to resolve this matter.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFFXXXX 
XXXX XXXX XXXX/ BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP.

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened a savings account several years ago. I recently signed on to get statements in XXXX. Did not have a problem and the account was accessed the prior week as I downloaded the statements. In XXXX, I signed back on to withdraw/transfer the funds and close the account. In the middle of this, I needed to reset my password. I called customer service and they said I needed a new ATM card to do that. I ordered the card received it and signed back in. As I was in the process of transferring my funds ( a large amount for a house closing ) they inactivated my account and all of my savings dashboard disappeared online so I could not take any action or access my funds. I called customer service once again and they said they inactivated my account for no activity. I had been in the online account the week previously and it collects interest more than monthly. So now I'm locked out of my account and they tell me to go to a branch to get it fixed. Conveniently there are NO BRANCHES in XXXX and now I need to write a letter to Citibank to ask them to take it off inactive status. I sent an OVERNIGHT letter that cost {$31.00} on XX/XX/XXXX and it was delivered the next day at XXXXXXXX XXXX. I called back again on XX/XX/XXXX and said they still didn't see a letter in the system and that it takes 10 business days after the letter is received to get the account reactivated. I ask for supervisor over supervisor for some personal assistance ( this is a significant amount of money ). In the middle of all this one of these reps opened a new cc account for me when I told her to close the one on my account. I am beyond upset about this and need a way to collect my funds from this bank.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy.

15 USC 1681b ( 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.

15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (FL)

I need for my late payments that are being reported removed. It is preventing me from qualifying for a home loan for my son and I. I am a XXXX XXXX XXXX and need a loan for a place to live. 

This is preventing that.
Consumer complaint received 2024-05-21
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. (GA)

I am writing to dispute information related to my bankruptcy case, XXXX, which is reflected in the court records. After reviewing the records, I have identified inaccuracies that need to be addressed and rectified. I kindly request your assistance in investigating and correcting these errors.Maintaining accurate and reliable bankruptcy records is essential, and I am committed to ensuring that the information accurately reflects my case and its outcomes. Please submit that the information has been validated by Georgia Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I kindly request a thorough investigation into the disputed information and a prompt correction of any inaccuracies found. If discrepancies are confirmed, I expect a written summary of the results and the necessary adjustments made to the court records.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TX)

The company said i owe for a XXXX XXXX credit line, of which i had 3, and can't specify any of the dates of the debt moving into collections or otherwise. I got a letter threatening legal action XXXX  months ago, followed up, and then my mother got a call this past week in which they shared information that was not legal to share, and threatened legal action against her and myself.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (SC)

On XX/XX/2023, I purchased a XXXX XXXX portable air conditioner. I received a XXXX XXXX  window air conditioner, which I did not order. So, I called Wayfair and told them that I did not receive my air conditioner. I uploaded pictures from their Wayfair link to prove that I did not have the air conditioner and to send it back. They also transferred me to the XXXX. The XXXX then transferred me back to Wayfair. I asked to speak to a XXXX several times. No one really could help me. Now, I do not have an air conditioner and I am being billed for something that I do not have. Please help me.
Consumer complaint received 2023-08-27
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Beginning with the XXXX XXXX XXXX XXXX  statement, my purchases balance subject to interest rate has been going up monthly instead of going down as it should. I have not used my card and have been making above minimum payments the entire time. the amount it has increased is now at or about {$1000.00} it should have gone down by this amount from the XXXX XXXXXXXX XXXX statement balance of {$5200.00}. I contacted B.O.A for clarification on this matter ( How can a balance go up when it is being paid down? ) They responded with an unsigned ( form letter ) with no return contact information for the person that sent the letter. The only thing on it was a case number XXXX acct ending XXXX. I asked specific questions non of these were answered. What I got was a description of how interest is accrued. I already new this info. It states the purchase balance will continue to accrue interest until it is payed off. I knew this also. How can the balance be payed off when every time I make a payment the balance goes up instead of down. If the monthly amounts had been subtracted from the XXXX XXXX  balance of {$5200.00} for the total amount of {$1000.00} my current purchase balance subject to interest would be around {$4200.00} I am attaching statements and correspondence copies among other documentation.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. 3 CREDIT BUREAUS are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-21
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. (NY)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2023-05-04
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-02-16
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. (WA)

Hello. I hope this finds you well. Back on XXXX records # XXXX. We submitted a complaint to you regarding XXXX XXXX XXXX. In which you passed on the information to another agency. We never heard back from anyone. After a long battle with XXXX XXXXXXXX on the phone XX/XX/2019. We were told, because we mailed a final payment with a letter to close the account BUT logged into the XXXX XXXX web portal to verify they received final payment ... that triggered " reopening '' the account in which we were charged {$500.00} XXXX monthly fees plus finance charges since we had no idea " we reopened the account by logging on ''. XXXX XXXX via a recorded phone call on both sides, assured us they would remove from our credit report ... in which we filled a complaint with XXXX and wrote letters to all XXXX credit bureaus. One credit reporting company did communicate with us and it is removed, but the other 2, never responded and the XXXX XXXX is a mark against us, with late payment and account closed by XXXX XXXXXXXX. This company preys on people mistaking them for XXXX XXXX, same logo, etc. Address out of XXXX XXXX, company is actually overseas. How do we stop this company from preying on others? How do we once and for all get this horrid mark removed from the other XXXX credit bureaus once and forever? They are a predatory falsifying " Bank '' lender NOT from XXXX
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My previous loans were transferred from Great Lakes Loans Servicer to Nelnet. I have contacted my school numerous times and on the Nelnet website hit the in school deferment option. When I contacted the school they have said XX/XX/XXXX they updated the clearinghouse which shows I am in school half time. I was on a 3 hour hold for Nelnet XX/XX/XXXX and I was assured they had this and just needed to process it and no payments were due. My first payment would of been due XX/XX/XXXX. My account now shows past due and I dont want any issues with my credit, etc. XX/XX/XXXX I submitted an enrollment verification from XXXX XXXX to Nelnet. I also, have taken out a loan this semester which on Nelnet is showing in school status but they have failed to change the status for my previous loans. I due not have time to sit on long wait times for Nelnet and they do not respond to emails.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.