davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX, I became aware of an issue related to my account with XXXX XXXX XXXX. Specifically, they have reported negative information on my credit report without providing the mandatory written notice, as required by the Fair Credit Reporting Act ( FCRA ), section 15 U.S.C. 1681s-2 7 ( A ) ( i ). 

The account in question with XXXX XXXX XXXX was opened on XX/XX/XXXX, and it has a reported balance of {$4600.00}. Despite my efforts to rectify this situation, including sending a certified letter on XX/XX/XXXX, requesting that XXXX XXXX XXXX update the late payments on my credit report to " XXXX : PAID AS AGREED NEVER LATE '' and delete any other negative information, I have not received a response from the company. This lack of response and failure to correct the inaccuracies have adversely impacted my credit score and financial standing.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MO)

In XX/XX/XXXX I completely canceled my paid experian membership. I then signed up for a experian family plan which includes 7 days free and thereafter XXXX a month. 

Experian is refusing to honor their advertising. On XX/XX/XXXX I was charged XXXX on my XXXX card vs my agreeing to pay XXXX on or after the 7 day trial period. 

I spent close to XXXX minutes trying to resolve the situation with a agent uneducated in his own products. 

This individual insisted that I was charged additional money due to a privacy scan wrong. 

Privacy scan is included inside the EXPERIAN PREMIUM WORKS FAMILY PLAN FOR XXXX A MONTH
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting an Inquiry on XX/XX/2023 that i did not authorize on my Transunion credit report. It needs to be removed as it is affecting my credit.
Consumer complaint received 2023-10-09
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ORG GC GP BUYER, LLC (VA)

GC Services is the owner of an account that I owe debt on. I have been working with them since XX/XX/2023. I have automatic debits that come out of my account monthly. As of XXXX, I noticed that the payments have not come out. This is a serious issue for me as my financial aid for university is dependent on all of my accounts being in order. I have reached out to this company everyday since XX/XX/XXXX. I have called and send complaints through the we form. They do not have an official email address to reach them through. Since the beginning, they have only allowed communication through snail-mail and telephone. Which I find archaic and intentionally obtuse, but I digress. Every time I call, there is an auto-recording stating that I there are technical difficulties and to call again tomorrow. I need this organization to reach out to me so I can resolve my payments for this past month, and for the current month. If this is too difficult for them, then perhaps a letter, on letterhead, noting my good standing would suffice. The poor communication and bad business practices of this business are greatly affecting my life and I need to see results.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (PA)

I operate a business using XXXX to collect payments. On XX/XX/XXXX, PayPal begin to keep money I was collecting from my customers without any notice or warning that I would no longer be able to receive the funds. 

I promptly provided information they request, which was information I had previously provided to them upon opening the account. 

5 days later on XX/XX/XXXX, they requested MORE documents to be provided which are again the same documents I had provided when I opened the account. PayPal at this point is continuing to keep my money giving me no power to access my funds for at least XXXX more days. 

I called PayPal and the agent confirmed that my funds were being held " XXXX ''. The agent actively confirmed that " yes '' my funds were being held XXXX. In addition, the agent informed me that PayPal was doing this in order to earn interest off of the funds. 

PayPal is in a powerful position to keep the funds which do not belong to them and puts up extremely tall walls for communication and are beyond reasonable in keeping money that is not theirs. 

Please investigate and if there is a case here, please pursue a penalty for harassing customers at large and intentionally keeping funds to earn profit from interest.
Consumer complaint received 2024-04-07
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. (VA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-04-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

On XX/XX/2023, I checked my online banking system for my Best Buy Credit card due to a transaction at XXXX being denied. When I checked my online profile, my card was {$390.00} in the negative but the charges had not yet been processed on my account. On XXXX XXXX, I proceeded to call the Best Buy Credit Card customer service representatives, and opened a fraud claim for 3 charges that they were able to see on their end. The 3 charges were {$90.00} XXXX XXXX XXXX, XXXX Texas, {$250.00} XXXX XXXX, XXXX Texas, and {$210.00} XXXX, XXXX Texas. On XX/XX/2023 I received a phone call from Best Buy Credit Card Security Operations Team to provide more information about the fraudulent charges. The information I gave them was that I had not filed a police report ( I was not aware that was something I could do with credit card fraud ), that I believed that I had the credit card in possession the whole time and that I thought that the card numbers might have been stolen from a gas station while I was pumping gas but I truly was not sure. After this phone call with the Security Operations Team, I waited to hear anything back about my card, I received notification in the mail on XXXX XXXX that the investigation process had started. On XX/XX/2023, I checked my online account to find that the fraudulent charges had been double charged to my account. I then proceeded to call customer service once again to report the second charges, in which they made a note about it in my claim file, and told me to call security operations about it. On XX/XX/2023 I called security operations and was told that when fixing fraudulent charges on an account sometimes it would double charge but all of the charges would be dropped soon. Today XX/XX/2023, I received notification via mail postmarked XX/XX/2023 that my claim had been denied and that I was responsible for paying for the fraudulent charges due to not identifying the fraudulent transactions In which through out this entire process I have identified the charges as fraudulent everytime that I have called customer service or security operations. After receiving the notification today, I called security operations once again to ask about the denial, and I was then told that maybe I didnt have enough information/evidence, and I asked to reopen the claim as well as provide more evidence over the phone. I proceeded to tell her I have never been to the locations that the card was charged to and hadnt even heard of XXXX until this occasion. All of my credit card transactions up to that point had taken place in XXXX, Texas so Im not sure how it could have been used elsewhere. I also reiterated the 3 charges that were fraudulent. I was told that the case would be reopened.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (IN)

PNC Bank credit card, contacted me several times about a possible fraud charge of {$200.00} charged at XXXX XXXX XXXX on XXXX, XXXX, Indiana on XX/XX/2023, to verify the amount the amount charged and Because it showed a {$200.00} fraud charge After several attempts to get this resolved with PNC bank I closed and paid the credit card in full, but my money {$200.00} was never refunded PNC paid the {$200.00} charge even after it showed on my statement that charge was only for XXXX I think this was personal with PNC they are mad that I closed the account, and because of it they kept opening, and changing the credit card on this account per to me requesting to close the account due the fraud charges and not able to come to a conclusion with this bank.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 
XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

Initially, I received an email from Chase bank on XX/XX/XXXX, thanking me for applying for credit card. Within XXXX hours I received a phone call from them asking if I applied. I explained to the representative I did not and she advised me to contact the three credit reporting agency. I spoke with XXXX and XXXX on XXXX  to put a block on my credit report.
Consumer complaint received 2023-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC (FL)

Email sent to Global Trust Management LLC : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( Global Trust Management LLC ) regarding a debt from XXXX XXXX XXXX  // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with XXXX XXXX XXXX Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for XXXX XXXX XXXX who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The XXXX XXXX XXXX representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that XXXX XXXX XXXX alleges is my debt, however, I want information to prove this is my debt. As I explained to both XXXX XXXX XXXX  and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tribal Lending Enterprise, Inc. (WI)

Account # XXXX As of today XX/XX/23, I am revoking my authorization for automatic withdrawal authorization from XXXX XXXX Checking Account # XXXX at Bank Routing # XXXX. You will cease and desist from making a withdraws as of today, XX/XX/23 and any future dates. 
Your customer service representative may contact me at this email address : XXXX. You will cease and desist from making any attempts by phone call, or text message to my phone number on any documentation you have in your possession related to my account. 

I am willing to make an offer of {$330.00} to settle this loan on XX/XX/23 ( Account Paid in Full ). 

Thank you. 

XXXX XXXX XXXX XXXX Request was ignored and withdraw was made today XX/XX/23
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (FL)

Subject : Urgent Request for the Removal of Inaccurate Collection Account - Immediate Action Required Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you today in my capacity as a consumer who has always maintained a perfect credit history. Recently, I received a concerning notification regarding a collections account that has been erroneously added to my XXXX credit report. The account in question is with " XXXX CASHNETUSA, '' and I wish to bring to your attention the serious issue at hand. 

Firstly, I must emphasize that this account does not belong to me. I have never had any dealings with " XXXX CASHNETUSA, '' nor have I ever authorized or initiated any financial transactions with this entity. Upon contacting " XXXX CASHNETUSA, '' they confirmed that an account was indeed opened using my Social Security number, but it was done without my knowledge or consent, and the account is not associated with my real name. 

This inaccurate and unauthorized account is not only damaging my previously impeccable credit history but also causing significant distress and concern. As a consumer, I understand my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I firmly believe that I should not be held accountable for this fraudulent account. 

In accordance with the Fair Credit Reporting Act, I am formally requesting the immediate removal of the following inaccurate and unauthorized collection account from my XXXX credit report : Account Type : Collection Account Name : XXXX CASHNETUSA Derogatory Amount : {$2300.00} I would like to draw your attention to the following provisions of the Fair Credit Reporting Act, which support my request for the removal of this erroneous account : 15 U.S.C. 1681 Section 602 A : This section affirms my right to privacy and protection from false or misleading information on my credit report.

15 U.S.C. 1681 Section 604 A Section 2 : This section prohibits consumer reporting agencies from furnishing information about an account without the consumer 's written instructions. In this case, I have never provided any such instructions to include this account on my credit report. 

I kindly request your prompt intervention in this matter to ensure the removal of the erroneous collection account, " XXXX CASHNETUSA, '' from my XXXX credit report. This false information is causing undue harm to my creditworthiness and financial reputation. 

I would appreciate it if you could investigate this issue, communicate with XXXX and " XXXX CASHNETUSA, '' and take all necessary actions to rectify this situation immediately. 

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue, which is of utmost importance to me.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 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 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

Im a victim of identity theft. I have tried to dispute this same amount from this company multiple times yet their still trying to collect a debt that I do not owe. I wasnt aware that it was on my report again, because I was homeless. I wasnt aware that I could file a report/get them off.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. The actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have XXXX  violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Consumer complaint received 2023-10-09
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. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.