davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2023 my PayPal account was hacked by a " XXXX XXXX '' for {$580.00} XXXX times. I immediately called PayPal and told them that I had did not make these purchases. The person that I talked to understood and was able to refund two of the {$580.00} totally {$1100.00} charges but told me that they had to investigate the other two charges. I was told that I would hear from them in 3-5 business days. After I spoke to PayPal I contacted my bank, because that was a suggestion made by the PayPal rep. They opened their own investigation on my behalf and locked down my account. On XX/XX/XXXX, I received a letter from my bank stating that their investigation was complete and they determined that the transactions were not authorized by me and that they would deposit the {$1100.00} back into my account. Which would put my bank account back to where it was before I was hacked. I went into PayPal to close my account and found that they were holding me at a negative balance of {$1100.00}. I contacted PayPal and asked why they were saying I owed them money. They didn't have a good answer other then I owed them money. I went to my bank and was told once their investigation was closed that there was nothing that they could do. I made copies of the letters from my bank, copies of my bank statement showing the in and out of money as well as my transactions through PayPal and sent it to PayPal. I received an email once PayPal received my letter stating that they would look into it and like before was told 3-5 business days for an answer. Literally within an hour I had another email stating their investigation had determined that I had in fact made those purchases and owed them the balance of {$1100.00}. Yesterday I received I letter from a collection agency. I did not make any purchases from a " XXXX XXXX '', I did what I was suppose to do when faced with hacking and I contacted PayPal immediately. We use these companies because they are suppose to have safe guards to keep their customers safe and yet they're coming after me when I did nothing. Sadly I do not believe that I am the only person that this company has done this too, a little internet research showed others have had to fight as well. They are a huge company making millions, I am not, I need help getting this issue resolved.
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

This complaint is to follow up on my previous complaint against Mohela, which has been closed, but the issue remains UNRESOLVED. According to Mohela 's XX/XX/XXXX response to my previous complaint that I filed with CFPB : " ... ... .your refund request was processed as of XX/XX/XXXX. As a result, a check in the amount of {$540.00} will be issued from the U.S. Department of Treasury to XXXX. '' However, XXXX who manages my student loan refinancing still has NOT received the refund for my overpayment of {$540.00}, and it has been more than 90 day since Mohela claimed they have processed this refund. When I spoke to an advanced agent at Mohela on the phone on XX/XX/XXXX, I was informed this refund should take only 2-3 weeks from XX/XX/XXXX, and it has been more than 5 weeks and my current student loan servicer XXXX still has not received this refund.
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: John C. Heath, Attorney at Law, PLLC (VA)

XXXX XXXX XXXX used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before XXXX so it didnt help. They only put it on there after my business was shut down and I was XXXX XXXX XXXX XXXX XXXX  and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Dear CFPB, I am writing to file a formal complaint regarding erroneous reporting of late payments by Equifax, associated with my XXXX account number XXXX. I have wrote a letter to Equifax dated XX/XX/XXXX and did not receive a response back. According to my credit report, Equifax has recorded late payments of 30 days in XX/XX/XXXX and XX/XX/XXXX. However, I assert that these late payments are a result of a billing error rather than any negligence on my part. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ), creditors are required to send billing statements at least 21 days before the payment due date. I have not received the statements for the mentioned months within the stipulated time frame. Therefore, I believe that the reported late payments are unjust and inaccurately damaging my credit score. 

I request that the late payments on my account be promptly updated to reflect that they were paid on time. It is imperative that this correction is made as soon as possible to mitigate any further adverse effects on my creditworthiness. 

Additionally, if XXXX insists that the billing statements were indeed sent to me within the required time frame, I kindly request that they provide me with a copy of the certified receipt bearing my signature as proof of delivery. Without such evidence, I maintain that the late payments were erroneously reported and thus require correction. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in my credit report. Please keep me informed of any developments regarding this complaint and provide guidance on any further steps I should take to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted portfolio recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent portfolio recovery a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked portfolio recovery to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay portfolio recovery and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Consumer complaint received 2023-12-30
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: CITIBANK, N.A. (OR)

In XX/XX/2023 I noticed some fraudulent purchases made on my credit card. I called and spoke with Citibank rep in regards to the issue. My card was canceled I was told a new car would be issued and the fraudulent charges would be looked into. My new card arrived when I opened my mobile app to activate the card there were more fraudulent charges on my card before I even activated it!! charges had been made to my new card. Once again I called Citibank spoke with the rep they canceled that card set a new one was on the way and they would investigate the new charges which were all foreign charges. I received a new card went to activate it more foreign charges we're on my card again! I requested notification every time my card had been used when I received my next card there were more foreign charges some of the disputes were denied that were made in XXXX XXXX XXXX I have not been refunded as of today for most of the charges... I have canceled six cards I'm still waiting on my next card which was canceled once again I am just at my wits end I get nowhere when I speak with the Reps also hung up on or disconnected with the fraud department please help as my interest rates keep going up ... my credit report looks not that great due to the credit card usage and also being charged more interest and having issues even making payments on the card because they keep canceling my cards many times
Consumer complaint received 2023-12-30
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MD)

On XX/XX/XXXX I received a Vanilla Gift Card worth {$20.00} and on XX/XX/XXXX I noticed a purchase that I didnt make worth {$11.00}. So on the XXXX I called to make a complaint about that and they made a case for me regarding that and sent me a confirmation email that they made the case, but that day I had made it they said that since it was a small amount that it would take a day or two compared to other cases. So that next day on XX/XX/XXXX I made a call to VanillaGift Cards this time to ask about the status of the Case because when I go on the website to check the information its not allowing me to go in, so the guy I talked to said that now all of a sudden my case is going to take 90 days or more and Im beyond upset because I really need that money because Im hungry and that was my source to get more food for myself
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (TX)

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. 
Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

Thunderbird Collection Specialists, Inc ( TCS ) contacted me using US mails on XX/XX/. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. 
These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. The company did not have a license to collect debt in my state at the time of XX/XX/. 
On XX/XX/XXXX  my daughter informed XXXX XXXX that she was going to dispute the alleged debt but due to greater privacy laws, HIPPA violations, and mail fraud violations, she advised XXXX XXXX to remove the account immediately.
Consumer complaint received 2024-04-16
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-16
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My husband and I purchased a used vehicle. We were financed by a company called Credit Acceptance. We were in an accident and the car was a total loss. We had XXXX XXXX and that paid off a huge majority of the loan. After the XXXX XXXX was paid, there was still a balance of $ XXXX. We were unable to make the ramaining payments on the $ XXXX, and the loan went delinquent 90 days. I was called and offered a settlement with the company. The gentleman that I spoke to stated that I had until XX/XX/XXXX to take them up on their offer or the offer would expire. They offered me a payment of $ XXXX, and that would eliminate the entire debt of $ XXXX. I agreed and stated that I would be calling back to make that payment later on in the following month. I called Credit Acceptance back on XX/XX/2023 and paid the amount that was asked in order to settle to loan. It has been over a month and the negative payment history has not been updated and it is still showing as owed on my credit report. I have disputed this twice with the credit bureaus and both times it has remained on my report because Credit Acceptance is claiming that I never paid it off and that there was no settlement. They are claiming that the amount showing as owed on my credit report is accurate. I have called them two times since XX/XX/2023 in order to question them on the fact that it was still on my report. Both times I was assured that it would come off, that it may take up to 30 days but I should rest assured that it has been reported to the credit bureaus and I have nothing to worry about. To this day, it remains and I have lost over XXXX points on my credit score because of it.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I advised someone who contacted me from Portfolio Recovery Associates LLC on XXXX XXXX at XXXX not to contact me between the inconvenient hours of XXXX XXXX. I received another phone call from them on XX/XX/XXXX at XXXX which was a clear violation of what I had previously advised the day before. 

I have received repeated phone calls in the past from the same company & had advised them many times of inconvenient hours & their harassment, I had just failed to document all the prior instances to file this report until now.
Consumer complaint received 2023-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (OK)

On XX/XX/2023 I went to the XXXX XXXX  at XXXX XXXX XXXX XXXX. I was treated and released. On or around XX/XX/2023, I received a phone call from XXXX XXXX XXXX requesting payment for an alleged outstanding bill. I was unaware that I owed anything being and that it should have been taken care of by XXXX XXXX XXXX XXXX. I asked the representative on the phone why I owed the bill and I was informed that the claim to XXXX had been denied for reasons of me having other health care coverage. I asked her if I had other health care coverage then why did the first part of the bill get paid. I also requested the denial letter ( which is part of my medical records and I am fully entitled to it ) and the representative told me know she could not give me what I requested. I then called XXXX and XXXX informed me to tell them to re-bill it. I did as requested. Come to find out I spoke with XXXX in XXXX XXXX liability with XXXX XXXX XXXX, that in fact XXXX  XXXX had not even filled the claim with XXXX XXXX XXXX even though it says on the bill that they had. This is unfair and abusive to take advantage of a low income individual. I have also been turned over to a collections company and I have already had to pay a portion of the bill.
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

We recently welcomed a baby, and during that time, I had medical insurance coverage. However, the company requested payment despite us providing all the necessary insurance information. Surprisingly, they haven't contacted my insurance company. After speaking with my insurance provider, they confirmed that no one has sent them a bill regarding this matter. I've been pursued for payment even though I don't owe anything. The company needs to reach out to the insurance company directly and request payment as per the coverage.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (TX)

On XXXX XXXX I became involuntarily unemployed. I have XXXX credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out. 
Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.