davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AL)

The inaccurate reporting constitutes a violation of the FCRA, particularly : XXXX. 15 USC 1681e : Accuracy of Information : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumers credit reports. The inaccuracies present in my report directly contravene this agreement. 
XXXX15 USC 1681i : Duties of Furnishers of Information to Consumer Reporting Agencies : This section holds furnishers of information responsible for providing accurate data to consumer reporting agencies. any failure on their part to do so is a direct violation of FCRA.

XXXX.15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. 15 USC 1681 Section 602 States I have the right to privacy.
Consumer complaint received 2024-03-25
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: Self Financial Inc. (WI)

To remove fraud accounts off my report completely dont just close the account remove it XXXX XXXX XXXX ( {$530.00} ) Closed on XX/XX/XXXX XXXX XXXX XXXXSELFLENDR Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX SELF/XXXX XXXX XXXX Closed on XX/XX/XXXX Everything else XXXX dollars but with late payments XXXX XXXX XXXX XXXX Closed XXXX XX/XX/XXXX Its hurting my XXXX XXXX badly Transition XXXX XXXX
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (MO)

Hello, My car was declared a total loss in XX/XX/2023. My car loan with Bridgecrest was paid in full in XXXX of 2023. I have contacted Bridgecrest numerous times to request that they report to the credit bureau that my car loan has been paid in full. They have not done so and refuse to do so. I would like my credit report to reflect that my loan was paid in full. The information with Bridgecrest is below. They were paid a total of XXXX which paid off the remaining balance of the car loan.
Consumer complaint received 2023-11-06
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-22
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: Paypal Holdings, Inc (NV)

Subject : Dispute over Signature conformation I am writing to you regarding a series of recent purchases made through PayPal that have unfortunately led to a dispute due to non-receipt of items. As the buyer in these transactions, I expected a safe and secure delivery process ; however, the items were reportedly left unattended at the delivery address and are now missing. 

The Tracking # s in question : - XXXX - XXXX - XXXX Upon realizing the items had not been received and had been left unsecured, I reviewed the PayPal Seller Protection Policy. It specifies that for items above a total payment amount of {$750.00} USD, the seller must provide " Signature Confirmation '' upon delivery to ensure safe handover and to be eligible for seller protection. 

It appears that a signature confirmation was NOT obtained for these deliveries. This omission is a critical failure to comply with the PayPal Seller Protection requirements that are designed to protect both the buyer and seller. 

As a buyer account XXXX, I relied upon these policies for safety and assurance when making high-value transactions. The absence of the signature confirmation has directly affected the integrity of the transaction and, as such, it is my understanding that the seller would not qualify for seller protection in this case. 

I am reaching out for this matter and to affirm that the transactions be ruled in my favor based on the guidelines established for seller protection. The seller 's failure to secure a signature upon delivery has resulted in a loss for me as the buyer, a circumstance that seller protection rules are in place to prevent. 

While I am sympathetic to the challenges faced in e-commerce logistics, adherence to the stipulated requirements is crucial, especially for high-value items. I trust that paypal will honor its policy in this case and provide a resolution that safeguards the trust and security promised to its users. 

Thank you for your support and assistance. 


Transaction dates : XX/XX/XXXX and XXXX Denied XX/XX/XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TN)

On XXXX XXXX I woke up to an email saying that my Paypal account has been limited to suspicious activity on my account via email and text. I proceeded to login to Paypal only to find that I could not because my email and password had been changed. I contacted support and and saw that the account wasn't accessed by me and that the login psw and email was changed. The hacker accessed my account and charged 13 transactions totaling over $ XXXX. The rep opened a dispute for unauthorized transactions for all 13 transactions and recovered my account access. The hacker charged these transactions through Ebay. This is not my ebay account. Despite all the evidence, the initial 13 unauthorized transaction disputes were denied deeming the reason that my account shows this kind of transaction history. I have never charged amounts near these transactions ever. Since then I have contacted cs and to their credit they are always friendly. I enjoy being a member of your platform for many years. The rep decided to change the case reason to Product Never Received. She stated that the merchant Ebay would have to provide proof of delivery which was impossible because the hacker purchased and sent to 4 different addresses for different cities in Tennessee. All of the addresses I have no knowledge of or have ever visited. The delivery was to whoever hacked and purchased it on ebay, not me nor my address on file with PP or Ebay. Fraud either way because it was not me. I lose sleep and wake up each morning with the hope that PP does right by the zero fraud liability but I got so many calls and case reason swap emails that I no longer feel that they know what they are doing anymore. I am an XXXX war Combat XXXX 100 % Permanent and Total veteran and this is elevating my XXXX. I am very credit cautious and as of now my PP balance sits at a whopping XXXX of fraud charges. Now after some reversals the balance is $ XXXX and XXXX collection calls have begun.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : CONCORA CREDIT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Opening Date : XX/XX/2023 Complaint Details : Subject : Billing Error Complaint Pursuant to 12 CFR 1026.13 ( a ) Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a billing error with the account I have with CONCORA CREDIT/INDIGO. Please find below the relevant facts and details pertaining to my complaint : Account Opening : The account in question was opened in XX/XX/2023 with CONCORA CREDIT/INDIGO using my personal identification and credit card information, as defined in 15 U.S.C. 1602 ( l ).

Definition of Account : As per 12 CFR 1002.2 ( a ), an account refers to an extension of credit. In relation to an account, the term 'use ' refers only to open-end credit.

Payment History : Since the account opened in XX/XX/2023, I have consistently paid a monthly bill to CONCORA CREDIT/INDIGO online using my personal debit card information.

Receipt of Statements : I have received several statements from CONCORA CREDIT/INDIGO, which include attempts to collect an alleged debt for the account number XXXX XXXX XXXX XXXX. 

Billing Errors : I have reason to believe that all past, present, and future billing statements received from CONCORA CREDIT/INDIGO constitute billing errors under 12 CFR 1026.13 ( a ). This belief is based on the fact that these errors date back to the account opening in XX/XX/2023. 

Request for Resolution : I kindly request the CFPB to investigate this matter and direct CONCORA CREDIT to : Correct the billing errors on my account.

Cease any further collection efforts related to the alleged debt.

Provide a detailed explanation and resolution to the billing errors identified.

I have attached copies of relevant statements and correspondence for your review. Your prompt attention to this matter would be greatly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX Attachments : Copies of billing statements Copies of correspondence with CONCORA CREDIT/INDIGO
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

A few years bank Chase Bank opened two checking account 's I believe and two savings account 's they opened two credit cards as well as an auto loan in my name without my permission. The Automobile was returned to the dealer and sold, and I did not open ANY account 's with Chase or It's subsidiaries. Chase previously when I called into their customer service asked me to provide my identity theft affidavit from the FTC. Which I did, Chase Told me they closed the Checking Account ( s ) and Saving Account ( s ) and Credit Cards that I did not authorize. These account 's were opened a few years back at an address I never lived at, I did not present my ID to Chase either, and my wallet and Identification were stolen. Chase, Allowed these account 's to be opened and used from the thief. Chase Bank told me I am not responsible for Identity Theft, Yet Chase has flagged my Social security in their system as having a relationship ended. I never ended a relationship I never started with Chase Bank. Chase Bank has had this flagged on me since they let these account 's be opened almost 8 Years ago. These were opened from Identity Fraud, and The FTC Affidavit which is a legal document was sent to the FBI and my local police department. I do not know these account numbers because I did not open said account 's. I did not receive a debit card, and I did not receive any account opening documents, I did not make any transfers from these account 's and I did not sign any applications nor use these account 's. The number they have associated with it XXXX Is not my phone number and never was. Additionally, Chase bank told me they would remove the flag off my Social Security Number, because I never had any relationship with Chase ever in the past. I do want to eventually Bank with Chase Bank, but I can't because of the account 's they let be opened as Identity Fraud. I want this cleared off my records as the accounts should have been closed out as Fraud. I am a victim of identity theft, and not the fraudster. Chase previously told me by phone from their Identity Theft Department that I was not responsible for these account 's and that they would clear them from my information including the credit cards that were deleted from my credit profiles. With all bureaus. I do not owe Chase anything, as I never opened any account 's with chase. I did not make any Transfers and I did not visit any Chase branches.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MA)

Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I purchased a product from XXXX in XX/XX/XXXX. I received the product, however it did not fit my oven. I returned the product back to XXXX, and they confirmed receipt via XXXX tracking. The merchant would like to refund my purchase price of {$160.00} but is unwilling to do so until PayPal Credit confirms with PayPal, that the dispute is closed. I have asked PayPal on XX/XX/XXXX via conference call between PayPal Credit and PayPal, with supervisors from both organizations on the call to close the dispute. PayPal said they can not close the dispute until they receive correspondence form PayPal Credit. PayPal Credit said that they mailed a letter on XX/XX/XXXX and to wait about XXXX  days. I called back on XX/XX/XXXX after not receiving a letter, and asked that the letter be emailed to me, and they indicated that they would within XXXX hours. On XX/XX/XXXX I called PayPal Credit again since I had not receive the email confirming that the dispute is closed. PayPal Credit claims that they have sent XXXX letters to my home address and send several email as well to confirm that the dispute has been closed, however ( to date ) I have received nothing.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

Nelnet is the servicer for my federal student loans. They acquired my former servicer Great Lakes several years ago, and they officially closed Great Lakes and transferred all accounts into Nelnet in summer 2023. Since then, I have tried several times now to get information about my repayment schedule. I have a graduated repayment plan which means that my monthly repayment amount will increase over time. I need to know when the repayment amount will increase and by how much in order to plan my other expenses. 

I have repeatedly asked for this information from Nelnet, but the company has never given this to me. Often, I have gotten wrong responses ; sometimes, I receive no response or just a reply that they will send it later, but it never comes. 

About the wrong responses, XXXX  Nelnet rep told me over the phone that my amount would change the very next month, but she couldn't tell me by how much. It didn't change at all the next month or the month after that. Another time, when I contacted them by email about this, the rep was clearly responding to someone else 's issue, since they referred to me by the wrong name and discussed details that have nothing to do with me or my question. When I pointed this out, I received no reply. 

I have also filed a complaint with the XXXX XXXX XXXX, requesting the payment schedule, and the only response was that they would send the schedule soon, but it has never come.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (NC)

I received a letter about alleged money owed. I contacted the original debtor, who I cosigned for. She paid all owed to her prior apartment complex and there was a small fee owed. It turns out this company was NOT ever hired by the property management company to collect a debt. Their collection agency is someone else!! This is a fraudulent attempt to collect a debt. i have written evidence.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

They said in XX/XX/XXXX they sent me an email to verify my already verified paypal account that I had open for 4 years with them. I thought the email was a scam, so I ignored it. Normally the funds we collected for our business was transferred over monthly. When I tried to do it manually we were locked out. When we finally got a live person, after many attempts to solve this through " message chat '' we found out they would continue to collect payment from our clients but would not release or transfer the collected money to us until we " passed verification '' which was wanting to know what our business is and my passport. 

I have been a veterinarian since XXXX, I now consult and sell supplements by drop ship. We use the Standard Process company for all of our supplements. They are high quality whole food based nutritional supplements with a health care practitioner account. 

Paypal will not release over XXXX of my money and this will put me out of business since this is my working capital. 

Please look into this matter. I have called, chat messaged and all they say... 

" We require a bit more information '' ( Which I have submitted to them ) to make sure we can support the type of business you are conducting. '' You won't be able to do certain things with your account until our review is complete. '' They continue to collect payment from my clients but won't allow me to access it. This is not logical or ethical, how could this be legal. Here is my paypal reference number Reference ID : XXXX. All they say to me is they are waiting for Back office compliance team to sign off on it. They keep saying 5 days but is has been weeks. 

Kindly XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MA)

Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my several complaints 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 items 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 NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX