davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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. (CA)

XXXX  AND EQUIFAX HAS FAILED TO DELETE ALL NEGATIVE REMARKS ON MY PREVIOUS STUDENT LOAN ACCOUNTS. XXXX  DELETED ALL BUT ONE NEGATIVE STUDENT LOAN ACCOUNT. I WAS NEVER LATE ON MY STUDENT LOAN ACCOUNTS. THE LATE PAYMENTS OCCURED AFTER THE LOAN WAS ALREADY PAID OFF AND CLOSED FROM A CONSOLIDATION I DID. A LATE PAYMENT CAN NOT OCCUR ON AN ACCOUNT WHEN THAT ACCOUNT HAS BEEN PAID AND CLOSED. HOW IS THIS POSSIBLE? I HAVE TRIED TO FIX THIS DIRECTLY WITH THE LOAN SERVICER IN WHICH THEY CLAIM THEY HAVE FIXED THE ISSUE. BUT IF YOU SIMPLY LOOK AT MY CREDIT, THE ERRORS ARE STILL THERE. CFPB NEEDS TO ESCALATE THIS TO THE HIGHEST LEVEL POSSIBLE AS THIS IS A COMPLAINT THAT HAS BEEN ONGOING FOR OVER A YEAR AND COUNTING!!!!!!!!!!!!!!!!!!!!!! I AM DISGUSTED AT HOW THINGS ARE BEING INVESTIGATED AND " RESOLVED ''. THE ONLY RESOLUTION TO THIS IS TO DELETE ALL NEGATIVE INFORMATION TIED TO MY PREVIOUS STUDENT LOAN ACCOUNTS.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I received XXXX XXXX amounting to {$12000.00} for my XXXX benefits from the XXXX on XX/XX/XXXX that were deposited into my PayPal Cash Plus account. Immediately, PayPal restricted my account stating that they needed more information. Out of everything, I was not able to provide a state I.D due to issues I ran into from the XXXX, however I did send multiple proofs of my identity and letters that I received from the XXXX. A representative from PayPal told me that everything would be fine and they'd permanently close my account and hold my funds for 180 days, after which I would receive an email with instructions to withdraw. 180 days passed on XX/XX/XXXX and I did not receive an email from them with instructions to withdraw. I called multiple times and multiple representatives gave me different reasonings, but all said that my funds are being withheld for another 180 days. They didn't state why my funds were being held again, and those representatives told me that they'd call back with a solution but I never heard back. 180 days passed again today ( XX/XX/XXXX ) and I never received an email with instructions to withdraw once again. So I called and was told that my account was flagged and that I could not withdraw my funds until further notice. When I asked for the reasoning as to why they weren't releasing my benefits I received from the XXXX, I was told that I would have to subpoena them in order to find out why. I've read every word of their TOS and nowhere does it state that they're allowed to hold my funds for this long, let alone permanently. Especially since I didn't do anything that would condone any of this.
Consumer complaint received 2022-02-22
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. (MI)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 56 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC (IL)

I PULED MY CHILDREN OUT OF SCHOOL IN XXXX DUE TO AN OUTBREAK OF COVID AN INFIRMEDTHE STAF THAT YOU DID NOT FEEL SAFE WITH THEM ATTENDING IN PERSON CLASSES, NO VIRTUAL CLASS WAS OFFERED. THE SCHOOL IS SAYING I OWE FOR XXXX WHEN MY CHIKDREN STOPPED ATTENDING IN XXXX PER TWO WEEK NOTICE THAT I GAVE THEM. I ALSO PAID FOR XXXX THOUGH THEY DID NOT ATTEND.I HAVE BEEN UNABLE TO WORK AS I HOMESCHOOLED MY CHILDREN, AS SENDING THEM TO SCHOOL WITH A KNOWN COVID OUTBREAK PLACES MY FAMIKY AND I AT RISK AS WE HAVE PREEXISTING CONDITIONS.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2023-03-15
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

I hope all is well.. 

I just want to start off by saying thank you very much for having a credit card with Macys for all these years it really has been great and a pleasure but Im not for sure why I was charged {$37.00} in interest if I paid the full balance off before the due date. Can you please take off the interest this must be an error. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NC)

I am submitting this complaint pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing. This collection agency has violated my rights as a consumer and have violated the above Federal laws regarding an alleged collection account that they are attempting to collect on.

PHOENIX FINANCIAL SE, is attempting to collect on an alleged medical debt that I have no knowledge of. The original creditor, their client is : XXXX OF XXXX COUNTY, in the amount of {$330.00}. 

I personally have never received any written notice regarding their attempt to collect of this debt and was never given the right as a consumer to dispute this debt. While they might give you a fictitious explanation or a date as to when they sent a notice out to me,,,,, I never received one therefore, prior to putting this damaging information on my credit. Because of their actions I am unable to apply qualify for a loan to feed my family due to this obvious violation of the law.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

Net Credit is reporting a late notation on XX/XX/20 and I ask that they please remove it. Due to Covid, I was severely financially impacted as my employer cut my hours unexpectedly. I was thankfully able to pay and get all caught up but I was just caught of guard for that month. I have never been late before and have not been late since. I ask that Net Credit please make a one time goodwill adjustment for the late on the account. I am now in a situation where I can buy a home and this would be a big help.
Consumer complaint received 2023-05-21
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. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed 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 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NJ)

Account ending in XXXX. 
I wrote back to you regarding TD Bank car loan. After struggling to make monthly payment on- time due unemployment issue. I received two letter from TD Bank dated XX/XX/XXXX, saying Congratulation! your final payment is now due. please pay the amount indicated below by due date. total principal balance XXXX principal due XXXX financial charge due XXXX Late charges total XXXX. 
on a second letter i received from TD Bank dated XX/XX/XXXX, stated current due XXXX total amount due XXXX. This second statement raised into questioning. In XXXX I submitted a complain regarding extra payment beginning of the loan in total amount of {$410.00}. I was told that money will apply to the end of the loan. I called this morning I was told that money has been used into Principal. Now I 'm at end of making a final payment, final payment is more than regular monthly payment due to late fees. I would like to know about the excess payment I had made toward my account.
Consumer complaint received 2017-05-18
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. (TN)

On  XXXX / XXXX / 2017  a  XXXX    XXXX   XXXX   was pulled from Transunion. This is a soft pull and should not show up as a hard inquiry. I was made aware that this is showing as a hard inquiry through  XXXX  different monitoring companies.  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX   which is part of Transunion. This error has caused my score to drop and would imply that I have applied for credit. I have talked to Transunion  XXXX  different times Monday  XXXX   XXXX , Tuesday  XXXX   XXXX , and Wednesday  XXXX   XXXX  to get this resolved. The staff that I talked with had no idea how to fix the problem. In fact they dismissed my concern and offered no solution. Transunion is reporting incorrect information and even after bringing it to their attention 3 times they failed to correct the problem. I have attached a copy of an email from  XXXX   XXXX  and  XXXX   XXXX  for validation and review.
Consumer complaint received 2021-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marcadis Singer PA (FL)

I sent a certified letter to Marcadis Singer Law Firm on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )
Consumer complaint received 2017-01-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC (FL)

My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Hello, Earlier this year I applied for & received a Sam 's Club credit card from Synchrony Bank. I was supposed to get a {$45.00} credit & I was only given a {$30.00} credit. After speaking with Sam 's and Synchrony the issue still isn't resolved.
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (PA)

There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.
Consumer complaint received 2021-06-21
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: TekCollect Inc. (CA)

I received notice that my insurance paid 100 % of the contracted payment amount permitted for a surgical procedure. Subsequently I received a credit alert showing a collection account on my credit bureau. I immediately contacted & resolved the discrepancy with XXXX @ XXXX XXXX XXXX XXXX with the assistance of my insurance company. XXXX assured us that the collection reporting would be removed from my credit reports, but, it was only removed from 1 credit bureau not all 3.
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes is reporting a medical debt for {$140.00} on my credit from  XXXX   2012.  I have no knowledge of this debt. I have disputed with the credit bureau that I have never received any information regarding validation of this debt from this collection agency. This agency is reporting a debt that I have not been given prior notification on and have not made an effort to validate the debt with me.
Consumer complaint received 2022-04-20
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. (CA)

I recently got a copy of my credit report and noticed inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these accounts. 

My previous complaints were not sending so I had to resubmit this.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2021-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I have repeatedly ask for proof of this account I do not know any credit acceptance they have been reporting late payments on my credit for a year. I have never had a account with credit acceptance do not know this company when I tried to rectify this account they were not trying to assist with this issue. I need proof of this debt I hav disputed with all three credit bureau and no luck with proof
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-06-20
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 ()

Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time I email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account Owner - XXXX XXXX
Consumer complaint received 2021-06-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

Navient reported my fed loans 6 months late and they had been paid in advance and now they harass me with 6 phone calls a day if im late because im on income based repayment and they told me im not allowed to apply for baorrower defense cause i went to devry and they told me i would be helped finding a job and navient told me to ask for federal loans like deferment to stop payments for a few months i need to pay a fee of XXXX dollars also they have an auto dialer on saturday that constantly calls but when you call it back they say call back on monday why do you harass people on saturdays and they call from different states all the time
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

This debt was add to my Credit Reports without any knowledge or proof of debt. I have no knowledge of this account. My account is current with XXXX XXXX and there is no way this debt collector should even have permission to report a debt without no validation. Delete and remove this account immediately. My next step is to sue AMSHER COLLECTION SERVICES for misleading information and making my credit score drop.