davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I filed a dispute for goods/ services and at the end of the process paypal indicated that the dispute was not eligible for the protection. 
On XX/XX/2020 I filed a dispute XXXX. The charge indicated that it was eligible for paypal protection. This was a charge I paid for goods and services and not a personal payment to family/ friends.The process was initiated and information was requested on both sides. A claim had been escalated. On XX/XX/2020 paypal then indicated that the charge in question was not eligible for paypal protection. I take issue with paypal having me, having the merchant and having paypal going through the motions of what appeared to be a process that qualified for paypal protection only to notify me at the end of all of all of that tremendous effort by all parties that the charge actually did not qualify for the protection. If the charge didn't qualify then why not just tell me right off the bat that it isn't eligible? It looks like the charge in question was made to family/ friends category. Why take three days and gather information from both parties if that wasn't even the case to begin with? I wouldn't of even bothered wasting my time because I know the difference between what I can and can't do with a personal payment versus a payment for goods and services.It doesn't make any sense and I believe there is a criminal element of deception and falsely putting this into a category that it shouldn't be in. 
Account ID : XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (CA)

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from RADIUS GLOBAL SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Consumer complaint received 2023-07-05
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)

This account has already been verified twice as inaccurate and previously deleted. Please remove this from my credit report in orderly manner. This is very frustrating and illegal that this reappeared on my credit report. 

Account : XXXX XXXX XXXX XXXX  ) - {$9000.00}
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

I have signed up for text and push notification when theres a balance in the summer. I had a medical issue in XXXX and did get a chance to use my computer to check my emails. I expected the company to send me a text notification as a form of communication when theres a balance in my account because they offer that option on their end. I did not receive that as a form of communication for a balance I accumulated since XXXX. I also thought the automatic payment went through because I put extra cash in my checking account in preparation for my medical leave. I know Id have enough to cover for the payment. Because I did not receive any text and push notification, I assumed my account was in good standing. It turned out that it wasnt. I was made aware when I found out Discover reported a late payment to the credit bureaus when I checked my credit score. If Discover offered that option to receive text notification to consumer, they should follow through. There was a glitch with the app that I did not received any push notifications either. I spoke with Discover on XX/XX/2020 and they admitted they never sent me the texts. They were firm that they sent me emails and push notifications. However, the push notifications does not show properly in the app as well. It appears unfair that the consumer was given an option to be notified through text, and that did not happen. Discover can not assume that responsibility on the consumer when the consumer requires and requests other forms of communication, in this case - through texts when its available, in different circumstances. If Discover offers that option in the first place, they should honor that.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MD)

I had account protection with Victorias Secret against job loss. When I attempted to contact the company when I was laid off my balance was XXXX in three months its now XXXX $ and I have repeatedly asked to have this issue rectified and the commenity bank calls me over 20 times a day and the agent I last spoke to was rude yelled at me and hung up. No one is willing to honor their contract so I asked them to cease and desist with the phone calls and send a letter and they are still harassing me
Consumer complaint received 2022-11-18
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. (VA)

Inaccurately reporting on the credit bureau. Was inaccurately reported on other credit bureaus and has been deleted but still remains on Transunion
Consumer complaint received 2017-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion customer service would not help and take care of the negative inquiries reporting to my credit report.       XXXX   XXXX   XXXX   XXXX ,  XXXX  N  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  Bank  XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX  Bank
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I took out a debt consolidation loan through XXXX XXXX XXXX XXXX in XX/XX/2020. It was the credit unions responsibility with our loan to pay the amount of all of the debts as per stated on our contracts. XXXX XXXX  paid all of the loans or so we thought. A few months went past and I received an email in XXXX from XXXX stating I was 60 days past due and it dropped my credit score 63 points. I called XXXX and they confirmed the XXXX XXXX paid most but not all of the balance. They paid all but {$69.00} causing late fees and delinquency. I was unaware of any amount left due to the fact community choice was suppose to make the full payment. I IMMEDIANTLY paid the left over balance and tried to dispute the 2 late payments on my credit report and they refuse to remove the late payments even though I provided evidence that it was the credit unions responsibility to pay the full pay off amount. I called both Experian and XXXX and they both said they can not do anything. I do not think I should have to be penalized for believing all of my accounts where to XXXX  as they were suppose to be.
Consumer complaint received 2020-12-15
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. (NV)

There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (PA)

XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.
Consumer complaint received 2023-08-17
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. (CA)

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's XXXX XXXX in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (VA)

I leased my new XXXX in XX/XX/XXXX through Chrysler Capital after turning in my other Jeep when the lease was up with Chrysler Capital. My new lease started with Chrysler Capital in XX/XX/XXXX. I now had 2 different account # 's with Chrysler Capital  XXXX from my old XXXX and one for the new XXXX. When turning in my old Jeep I didn't realize I still had a {$78.00} balance on that account, therefore, online my account was showing the new account # for my new XXXX and the old account # for the old XXXX I just turned in. Both accounts were listed when I went online to make my first payment for my new XXXX in XX/XX/XXXX. Not paying attention, and this was the XXXX payment with the new account, I accidently selected the old account # with the {$78.00} balance to apply my new payment of {$520.00}. XXXX had reached out to me and I wasn't sure why since I knew I had made my payment and confirmed that the payment was made by looking at my bank statement, and the payment came out on XX/XX/XXXX. I just thought it was a clerical error on XXXX part and that they would figure out the mistake and correctly apply the payment and if not we would just do a true up at the end. I had my bank statement showing the payment was made. I have never been late on a payment and I have never missed a payment with all my years with Chrysler Capital. This is now affecting my credit and I have reached out to XXXX repeatedly starting around XX/XX/XXXX to explain what happened and ask to have the charge off removed. XXXX is stating that the charge off is legitimate. I made an honest mistake in selecting the incorrect account to apply payment, and XXXX even sent me a refund check for the difference of {$440.00} on XX/XX/XXXX. The refund was the difference of my car payment for the new account {$520.00} less the {$78.00} that was still on the old account. I spoke to XXXX again on XX/XX/XXXX asking what the check was for and the person I spoke to said it was a refund for the difference on my old account and to pay back the {$440.00} as good faith and I did that on XX/XX/XXXX. I'm asking for understanding and forgiveness for making an honest mistake. My payment history and credit history show that I always pay my bills and pay them on time. This was just a careless honest mistake of paying the wrong account #, but the payment was made just to the wrong account.
Consumer complaint received 2023-06-23
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. (TX)

I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX XXXX account, XXXX XXXX XXXXXXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX XXXX  account has had immediate and substantial consequences. The perpetrator ( s ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and anxiety. 

Furthermore, my XXXX XXXX XXXX XXXXccount, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.
Consumer complaint received 2023-05-18
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. (OH)

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, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name LXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 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 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 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 2023-02-11
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. (NJ)

I have an ongoing problem with the reporting credit bureaus mainly Exquifax. I waited after all positive reporting on my credit report for the past three to four months. Last month they gave me a negative point two months before that another negotiate point. This month another negative 8 points. For the past year I have paid on time on all credit 100 percent. I only had XXXX unpaid accounts that should have been charge offs but became garnishments now down to XXXX. After waiting three months to see an increase on my credit score after extremely good credit performance I still continue to get negative or no increase at all. My score should be in the XXXX at this point they have me at XXXX I will never purchase a home or a new car at this rate after being retired for 9 years. If this isnt blatant discrimination I dont know what is. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (UT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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