davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

on XX/XX/XXXX a received money on my PayPal account from a XXXX XXXX. i asked him what the money was for and began looking into Paypal scams. immediately i found that people sometimes send money and then ask for a refund at the same time canceling the transaction which lead to the getting paid twice. i did not send the payment and i alerted PayPal. i let them know that i had not sold him anything and that this was a scam. i do not sell anything on my PayPal. it is a private account i have had since XXXX i use it to pay bills and make secured transactions. in XXXX through my business website which was created by XXXX  and payments are powered by XXXX. i opted to accept Paypal as a form of payment in XXXX and somehow it then started sending payments to Paypal instead of to my business account which i did not sign up for. PayPal is now holding {$1600.00} dollars of my funds against my will, written instruction and consent. these are violations of my rights and the law. This isalso a breach of contract, a violation of paypals own by laws and multitudes of State law. this is unjust enrichment, conversion, false and misleading practices, deceptive trade practice, fraud, unfair business practice. there are multitudes of MN state violations as well. including but not limited to the MDTPA, MCPA, MDCPA, MUCC and multiple violations of the MN bill of rights. Due to the nature of these violations PayPal would be liable not only through its own arbitration agreement but also to the FTC, CFPB, SEC, IRS, MN attorney general and several other authorities. I am hoping to cure this matter in an effective and efficient manner. Paypal will absolutely not hold my money for 6 months. this will be considered opportunity to cure any further violations shall be deemed as willful. i am giving 7 days to release funds and return my account to proper standing or else i will be forced to pursue all methods at my disposal. Paypal is registered with the IRS and the state of Minnesota and this mean the agree to abide by the rules i expect immediate compliance. i would also like to note that Paypal does not have certificate of authority to transact business in several states and annual renewals are overdue. the account in dispute is account id XXXX XXXX
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (MI)

On XX/XX/XXXX, a transfer of {$15000.00} from my XXXX XXXX account to my new account with XXXX failed. The money left XXXX XXXX but never arrived in the XXXX account. Neither XXXX XXXX, XXXX, nor XXXX XXXX  have returned my funds. XXXX claims that the funds are being held at Fiserv, as their letter from XX/XX/XXXX states ( attached ). They suggested I reach out to XXXX XXXX, but they and XXXX XXXX refused to help. I attempted to talk to Fiserv over the phone, but the representative refused to speak with me. I had an attorney write a letter to XXXX, and XXXX then claimed that they had initiated an investigation with Fiserv. However, they ultimately did not share the results of this investigation.
Consumer complaint received 2023-10-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-11
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: BMO Bank, N.A. (IA)

on XX/XX/XXXX my husbands and my credit cards were both charged with fraud charges. my husbands for XXXX on that date his card was cancelled. 2 days later i had to call back to contest the charges after they posted.. with in a few day the charges were removed. i again asked what happened to my card status. spoke with a XXXX. my card was then cancelled on the XXXX of XXXX on XX/XX/XXXX spoke with XXXX and she said the charges are still pending and would be removed in 5-7 days. i continued to check daily and nothing is resolved. spoke with XXXX on XX/XX/XXXX was told that this is still pending. had XXXX at the branch office call. he was told that the claim had gotten stuck for some reason because bank of the west went to bmo. on XX/XX/XXXX was told by XXXX that it could take up to 60 days before it could be removed. on XXXX called bmo XXXX # again spoke with a XXXX advised there were no notes about these charges she opened a dispute and gave me a claim number and was told again 7-10 days. called on XX/XX/XXXX because now there is an XXXX $ and change interest on this charge. 
( this charge was for XXXX an airline tkt. i XXXX  it ) this is the only charge on my card. 
i called and talked to XXXX on XX/XX/XXXX and was told the 7-10 days was incorrect but she did see that there is a claim. i don't understand why a {$2400.00} chrg can be removed in a few day but not a XXXX $ charge. nothing was documented until XX/XX/XXXX now i have interest chrgs. i want to clear this up so i can cancell my credit card with bmo
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I was notified in XXXX that ALL of my loans would be discharged through the Borrower 's Defense program ( see attachment ). I am a graduate of XXXX. I decided to check on the progress of this discharge and noticed that my loans had doubled in cost on NelNet 's site. They appeared normal ( my pre-discharge amount ) on the XXXX site. That was about XXXX weeks ago. I called the XXXX people to ask if my loans were still going to be discharged and was told " yes '' by the representative. She did advise that it would take time ( up until XX/XX/XXXX ) for the loan discharge to fully be processed. I hung up satisfied with that information. Well, I logged onto XXXX yesterday to once again check for progress and now it is saying that I have 14 defaulted loans and 2 consolidated loans! Shocked and upset, I called XXXX who informed me that Nelnet had not sent them updated information on my loans. I only have 2 consolidated loans so it looks like Nelnet unbundled them from my previously consolidated loans. My loans have been consolidated for YEARS. So, now I have two consolidated loans ( totaling {$83000.00} ) and XXXX individual loans ( unbundled ) loans that have somehow been in default since XXXX. This is untrue because my loans have been in COVID forbearance since XXXX up until XXXX. The XXXX XXXX told me to call the XXXX XXXX XXXX XXXX and I did only to be told once again that Nelnet either made a mistake on my account or has not updated my information but they could see that my loan is in FORBEARANCE and processing a discharge. When I spoke to the Nelnet XXXX she also confirmed that my loans were in FOREBEARANCE and that I did not OWE anything. It's the same thing the XXXX XXXX hotline people told me. Yet, if you go onto the XXXX website it says I have XXXX defaulted loans and that my total is {$140000.00} ( from the two consolidated loans and the unbundled individual loans that make up the consolidated loans! So they are basically saying I owe DOUBLE what I had. They are trying to double-charge me for the loans. I have never missed a payment and I definitely do not OWE {$140.00}, XXXX on my TWO loans. Something seems shady here. I have spent my whole workday on the phone trying to get this all straightened out only to be given the runaround and for XXXX and Nelnet to play the blame game. I just want both XXXX and Nelnet to display the same statuses. I get that I do not owe anything until XXXX ( Admin Forbearance ) while they process my discharge but the unbundling of my loans, the double charges, and the default loan status do not sit well with me. I want it fixed!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2023-10-11
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. (LA)

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 XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am reaching out because there is a ticket on my XXXX XXXX report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with XXXX XXXX, for XX/XX/XXXX. I was never informed there was a ticket by XXXX XXXX, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding USAA. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by USAA that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Product: Credit reporting, credit repair services, 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. (TN)

I have filed a FTC complaint, and Equifax still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove immediately PERSONAL INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Equifax inquiries-hard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Automated Consumer Interview
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, 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 Everything has to be 100 % accurate on my report. 
XXXX financial # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the fair credit reporting act XXXX  account name XXXX account number XXXX and account name XXXX XXXX XXXXXXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing a account without my written, instructions