davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MO)

I have contacted fortive and informed them that I have no knowledge to the account, and I did not give them a written consent to report extend for the letter with my name on it for authorization nothing was given XXXX/FORTIVA 120 DAYS LATE Credit Cards {$1400.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$130.00} Account Details Account Type Credit Card Responsibility Individual Credit Limit {$2000.00} Credit Used 71 % Highest Balance {$1800.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$130.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$22.00} Payment Frequency Not Reported On Time Payments 91 % Lender Info XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Remarks
Consumer complaint received 2023-07-08
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. (TX)

This is my 9th endeavor 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, block 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
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask for proof of claim tnrough XXXX full accounting a true bill. Where relief can be granted. They are refusing this request. This is illegal. If they want to be paid, need full accounting of this debt! There was not full disclosure. So eye ' need proof of claim. XXXX is going along with the fraud!
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (WV)

I contacted Amsher collection services and made them aware of the identity theft and made it clear to them that it wasnt my account and sent them all information and FTC identity theft report and they have taken no action to remove it or resolve the issue
Consumer complaint received 2023-10-06
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AL)

PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.
Consumer complaint received 2024-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Dear CFPB, I hope this message finds you well. I am a XXXX  and work in XXXX XXXX I am reaching out to address a critical issue related to my PayPal account. 

On the evening of XX/XX/XXXX, at around XXXXXXXX XXXX I received multiple email confirmations from XXXX  for orders purportedly placed through my PayPal account. These were unauthorized transactions, and upon logging in, I discovered several XXXX transactions totaling over {$8000.00}. Someone purchased XXXX puffer jackets from XXXX and ordered them to be shipped to XXXX, XXXX. 

I immediately initiated a dispute through PayPal ( Case XXXX XXXX XXXXXXXX ). Due to this being at night time, I was not able to get a hold of any paypal representative and the paypal website only allowed by to open an online dispute. 

Taking swift action, I changed my PayPal password and removed my card/bank information. The following morning, I engaged with PayPal customer support, RECORDING THE ENTIRE CONVERSATION. I was reassured several times by the customer support that they have made a note of my phone call and the transactions will not be allowed to go through and that I am " fully protected against this fraud ''. I actually also called lululemon customer support and provided them details of the issue and they also assured me that they will take action to rectify the situation ( they did not ). I have the recorded call from XXXX as well. 

However, later that day, paypal allowed all pending transactions to proceed, leading to a negative balance of approximately XXXX XXXXs of XX/XX/XXXX. 

I find it perplexing that, despite all of these transactions happening at the same time and with the same merchant, PayPal categorized some transactions as unauthorized while deeming most of the remaining others as authorized, resulting in the accrual of a significant owed amount. 

I am seeking immediate clarification and resolution. The discrepancies in PayPal 's handling of the dispute, coupled with the resulting negative balance, are causing considerable distress. I implore you to thoroughly investigate and rectify the unauthorized transactions. 

Paypal has a policy of sending such cases to debts/collections department after XXXX  days of negative balance in the account and I feel that I should not be liable for this as it was paypal 's poor handling of the case that led to this. On my end, i did my due diligence and reported unauthorized transactions to paypal IMMEDIATELY and while they were still pending. 

Dispute cases opened ( and closed by paypal without proper review ) : XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX has failed to allow direct /proper access to my credit score and the ability to dispute.

I contacted customer service over 50 times and could not get a live representative to assist with this matter.

I noticed several accounts being reported in violation of the FCRA. When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

I was trying to dispute several accounts in violation of the FDCPA When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all XXXX credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I have filed a police report against this person. How can you conclude no error has occurred when I have given you the police report information and a copy of the police report. that alone should show that these transactions were unauthorized and change the decision and return my money back to my account. But instead your business still clearly refuse. 

I do not understand what this company does not understand about that the two transactions for XXXX and is a total of XXXX was stolen from me and that not one police report was filed but two. I have given them the police department information and also a physical report of this. Now I have requested the document from them how they came to this decision on this on several of the 10 rebuttal I have already filed with them. The answers on each are different and over half of them are filled incorrectly. And the police report questions is always blank or states I have not. Which is 100 percent wrong. Because one has been filed. So I would like them to explain to me in detail how and why they keep denying to give me back my money that was stolen from my account. I am in extreme finical distress over this, I am not a fixed income and I don't have the means for someone to just take my bill money because they feel like they can get away with it. Its not like I am asking the bank for millions of dollars here just what was mine to begin with. This needs to be resolve and in my favor. Have a XXXX heart. I have been dragged through the mud and to top it off I just had 3 deaths one after the next in my family, the last was my brother. So I am really at my wits ends and just want to start the new year on the right foot and having my finances in order would be a great start. 

Chime is clearly in the wrong here and shows that you do not listen nor value your customers. If you did you would not have them running around trying to get by njust because someone stole from and a banks fraud department seems to be ran by monkeys because you don't even bother to look at the evidence and see that this was theft. All I want is the XXXX that was taken out of my bank accounts unauthorized by this person and I will stop hassling you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

SP Servicing billed me {$99.00}, " Corporate Advance Fee '' for the error that they made in updating my account. 
My mortgage account was transferred to a new processor, SP Servicing, in XX/XX/year>. SP Servicing failed to collect payments from my prior servicer for 4 months until XX/XX/year> when my account was finally correctly updated. 

Customer care has been unable or unwilling to resolve this error.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CA)

IN XXXX I JUST FOUND OUT WE WERE EXPECTING OUR XXXX XXXX, THE FATHER WAS KILLED. I DEVELOPED XXXX AND FROM BEING ISOLATED I FELL INTO A XXXX XXXX. THE XXXX XXXX ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXXXXXX XXXX WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
Consumer complaint received 2023-10-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (IL)

I HAD A MORTGAGE WITH XXXXXXXX XXXX AND CHASE MORTGAGE TOOK OVER THE ACCOUNT AND DOUBLE THE PRICE AFTER I HAD A MORTGAGE WITH XXXXXXXX XXXX FOR ALMOST 25 YEARS OF LIVING IN MY HOME TOOK ME TO COURT AND STARTED EVICTIONS PROCEEDINGS AGAINST ME. MY MORTGAGE WAS JUST ABOUT PAID WHEN THEY TOOK OVER THE ACCOUNT AND WITH THEM DOING THIS TO ME I HAD TO REFINANCE MY HOME IN ORDER TO STAY IN MY HOME
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: ALLY FINANCIAL INC. (TX)

ALLY REFUSED TO SEND THE 1099 C FROM AFTER CHARGE OFF THIS ACCOUNT. 
IT SHOWS ON THE CREDIT REPORT THAT XXXX XXXX NEVER RECEIVED THE 1099 FORM OR CANCELLATION OF DEBT FORM. THIS IS INACCURATE AND HAS TO BE REMOVED FROM THE CREDIT REPORT AND THE LEAN ON THE CAR.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

My bank ( Wells Fargo ) issued me a credit card without an application or getting my consent. I was unaware that they opened a credit card in my name. Then they applied charges to this credit card that they opened. Then charged me late fees and interest on a credit card that I did not open. I then started to get notices about payments for a credit card. I thought it was spam so I ignored them. Then I decided to call Wells Fargo to confirm since the texts were getting daily and I got my first letter. This is when I was alerted to the existence of the credit card. I called to tell them that the charges were fraudulent as they were never authorized by me and I never applied for the credit card. I asked them to close the account and then they proceeded to open a new credit card account in my name
Consumer complaint received 2023-12-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (FL)

ABSOLUTE RESOLUTIONS INVESTMENTS , LLC ] XXXX XXXX, XXXXXXXX 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  ] involved parties that violated my consumer rights. please see attachment
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Ive reach to Nelnet to correct student loan report on my XXXX credit report since I no longer owe them anymore because another student loan servicer name XXXX took over the loan. All balances were transferred over. Unfortunately Nelnet still reporting to XXXX that I owe them when in fact I have proof that I no longer owe Nelnet and everything was transferred over to XXXX. I called Nelnet and they were supposed to take care of this matter over 4 months ago. Unfortunately they failed to do so. Ive also disputed this matter with XXXX over 3 times and they also failed to correct the issue even though I provided proof/evidence. They still failed to correct the issue.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I have a credit card with XXXX XXXX XXXX that Citibank services. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to Citibank. 
Citibank investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, Citibank has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by XXXX that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called XXXX and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After one year of Citibank 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-20
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. (TN)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
Original Creditor : 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 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