davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (VA)

XXXX XXXX from XXXX ( XXXX ) sent repeated emails to me to collect the money for the XXXX XXXX  XXXX, but that was a double charge, and the XXXX XXXX XXXX has already dropped the collection on XX/XX/XXXX. However, XXXX XXXX repeatedly sent emails to harass me even after I asked him to stop sending emails. 





From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX ( XXXX XXXX Subject : Re : Your manuscript XXXX payment overdue XXXX EXTERNAL to XXXX : This email is not from an XXXX account. Do not click links or open attachments unless you recognize the sender and know the content is safe. 

Account/ Subscriber Number:XXXX  ( please use this in all correspondence ) Manuscript DOI : XXXX Good Afternoon XXXX XXXX, Thank you for your email. 

We deeply apologies for the inconvenience caused. 

Upon checking we have cancelled the invoice XXXX so we can confirm you will not receive the email from collections. 

If you have any further questions or queries then please do not hesitate to contact me and I will be happy to help. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is now available at : XXXX XXXX XXXX Our chat advisors are available from XXXX XXXX, Mon to Fri US and XXXX : US Telephone : XXXX XXXX US Telephone : XXXX XXXX ( Toll free in US and XXXX ) XXXX Telephone : XXXX ( XXXX ) XXXX XXXX -- -- -- -- -- Original message -- -- -- -- -- From : XXXX Date : Friday, XX/XX/XXXX at XXXX To : XXXX Cc : XXXX, XXXX, XXXX Subject : Re : Your manuscript XXXX payment overdue Dear Publisher, Several emails from the debt collectors recently claimed that I owe the XXXX XXXX XXXX XXXX XXXX charge. However, as the email communication in XXXX and the receipt indicate, the page charge was already paid on XX/XX/XXXX ( please note the receipt was sent to my XXXX account : XXXX ). Please correct the records as soon as possible and let me know directly, not with the collectors. 

Based on the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RDCPA ), consumers have the right to stop communication with any debt collectors. Therefore, please ask the debt collectors to stop any communication regarding this matter to me. I reserve all rights to file a report to the Consumer Financial Protection Bureau or take legal action against unlawful debt collection practices. 

I hope we can resolve this miscommunication in a civilized way. I appreciate your understanding. 

Sincerely, XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SECURITY FINANCE CORP (SC)

I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-24
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, XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a objection to COMENITY BANK with respect to the inappropriate utilization of my credit report and the revealing of wrong data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of directing a legitimate examination, after exploring my credit report, I found that incorrect data continues. 
The errors incorporate yet are not restricted to, the date opened, date of last payment, account status, and payment history. Despite the initial request for an investigation, such inaccuracies continue to appear on my credit report, which is disheartening. I trust what is going on encroaches upon my privileges as illustrated in 15 U.S.C 1681 segment 602 A, which stresses my right to protection. Moreover, 15 U.S.C 1681 segment 604 A Part 2 specifies that a shopper detailing office can't outfit a record without my composed guidelines. I generously demand a careful survey of my case and the brief adjustment of the mistakes in my credit report. Your collaboration in settling this matter is profoundly valued. That's what I believe, as a legitimate credit detailing office, COMENITY BANK will do whatever it takes to redress what is going on and guarantee the exactness of the data in my credit document. In support of this complaint, I have attached an FTC report with the number XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Back in XXXX The XXXX XXXX  debited my PayPal account for {$40.00} without a proper notification. After attempting to file the initial dispute with PayPal ; PayPal deemed the transaction legit and would not allow any further case review. I had no other recourse than to file a dispute with my financial institution which in this case was XXXX XXXX. Meanwhile, after some phone calls The XXXX XXXX finally agreed with me and refunded my {$40.00} and the case has been closed now for XXXX weeks ( XX/XX/2023 ) at least. 
PayPal will not allow me to close my account. Each time I chat with a PayPal representative its a different story as to why they wont allow me to close my account. Today however was different. PayPal now requests a letter from XXXX XXXX  stating the dispute has been closed. I contacted XXXX XXXX  dispute representative and was told directly from XXXX XXXX  that we have never had to send a letter to PayPal, they should see the dispute has been settled. I am now under the impression that PayPal is purposely trying to hinder me from closing my account. Perhaps PayPal has connections with the XXXX XXXX and as we know the XXXX XXXX XXXX is a XXXX  based near PayPal hq. So its not a stretch to believe that. I see no other reason why PayPal will not allow me to close my account. Especially since my own financial institution, XXXX XXXX  agrees with me.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (TX)

Open card but they want send to my po box like All my other cards because I don't get mail here at my house and they said I only have three months to use it all day going to close my account and if they do that it will affect my credit
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

i received an email telling me to contact their customer support regarding {$850.00} XXXX  purchase that i did not do. When i called they wanted me to log in to my computer and access a site thats when i got more suspicious and hung up. 
Order ID # XXXX XXXX XXXX XXXX was XXXX XXXX  XXXX XXXX XXXX ) invoice XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2024-04-24
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. (PA)

I am XXXX XXXX, and XXXX 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, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

my phone, debit card wallet where stolen and transactions where mnade on my account i did not authorize on XX/XX/year>. i filed a dispute for two transactions one for {$1000.00} and the other for {$1700.00}. i was given credit for the $ XXXX transaction but i was denied the {$1700.00} and was told it got denied because a text was sent to my phone authorizing the {$1700.00} charge. when i filed the dispute on the phone with the representive i informed him that my phone was stolen along with my card. he did not record this information on my dispute therfore they did not know that i wasnt in possesion of my phone when the disputed transaction was authorized.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (MD)

For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I made a purchase of {$5.00} on XX/XX/XXXX. I received a statement on XX/XX/XXXX but forgot to make a payment. Huntington National Bank doubled my balance to {$10.00}, but are claiming it is not a fee. The additional {$5.00} does not show up anywhere as a transaction - late fee, interest, etc. on my transaction history. I did not receive a statement for the months of XXXX or XXXX, even though there was a balance on the account. I made another {$5.00} purchase on this account on XX/XX/XXXX. When I logged into my account to make a payment, my balance showed as {$16.00} - the original purchase from XX/XX/XXXX, the phantom charge that was " not a late fee '' of {$5.00}, my purchase on XX/XX/XXXX, and {$1.00} interest charge. The representative I spoke with stated that since I missed the payment, my new minimum payment became {$10.00}, but that the additional {$5.00} was not a late fee, therefore it didn't show up as a transaction. She also stated that since no additional purchases were made, no statements were issued for XXXX or XXXX. The two issues I see are : 1 ) The bank charged a fee to my account in the amount of {$5.00} that is not reflected anywhere as a transaction.

2 ) No statements were issued for XXXX and XXXX, even though there was a balance on the account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

I'm writing my complaint to SANTANDER CONSUMER USA about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account in question. listed below continue to report on my credit report in violation of federal law. This account in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened both a checking and savings account on XX/XX/23. I was supposed to receive two {$300.00} promotion monies One for each account. I received a card in the mail. I wasnt explained at the time of opening my account that on XX/XX/23 the money had to be in the savings account that day. It was only missing for a few days as it was needed to pay a bill. I was also given a visa debit card which I didnt ask for. They somehow pulled my property value and mortgage balance by public records Im sure. I was being offered a home equity loan. Remember I wasnt there for a debit XXXX card or equity loan. I have called so many times. I have it all documented. I was told the terms were on the card I received in the mail. I needed a magnifying glass to see the extremely small print. I feel that I was mislead by their deceptive sales practices. I will be XXXX on XX/XX/XXXX. I also feel I was discriminated for my age. Their customer service rep that Ive spoken to on the phone several times was so rude and condescending. She says have a great day when I was so upset. As a XXXX  Id like to help others as well as myself. I was given the {$300.00} for opening my checking account However I wasnt given the other {$300.00} for opening my savings account. If the sales representative explained the rules correctly I would have received the additional {$300.00}. I am most upset with them trying to push me into opening up an equity loan. I just want my {$300.00} as promised. All the money is in my account. I have been treated so rudely my Citizens Bank customer service line. Deceptive sales practices from big banks are especially confusing to most seniors. This has been such a terrible experience. I was ignored since XX/XX/XXXX until this week when I emailed the bank manager where I opened my account that I was sending a letter to the Banking Commissioner in XXXX. Which I did. They gave me your information since Citizens bank isnt chartered in Massachusetts
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NJ)

I continue receiving solicitation from Chase and XXXX addressed to XXXX XXXX XXXX at my address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have responded by writing in mail several times to the return addresses on the envelope, but continue to receive these solicitations weekly. PLEASE STOP.