davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MT)

I filed/opened a claim with www.paypal.com for a merchant/seller/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) sending me a damaged product.I ordered the XXXX and a carrying bag.The total was $ XXXX.I sent several pictures for proof to the seller and paypal that the XXXX arrived damaged.I also asked the seller and paypal if I could just send the XXXX back for a refund and paypal refused to help me for the first time in the many years I have been a customer.Paypal said they need this complaint filed to validate the transaction/claim to move forward with my claim which they have never ever done and is highly suspicious behavior from paypal.I am asking {$52.00} refunded back to me please.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (NY)

I have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Consumer complaint received 2021-05-13
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. (PA)

Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I reviewed my Equifax credit report and realized that there was and is incorrect information. I sent the first XXXX letters to Equifax on XX/XX/XXXX to request the elimination of accounts XXXX '', XXXX '' and XXXX '', gave them 30 days to delete the accounts and they responded that the information was correct and they did not delete anything I sent them a second letter on XX/XX/XXXX where I told them that I was giving them 15 days to show me how they verified those accounts and that if they did not have a way to prove then they should delete my accounts because they are destroying my credit. 
They responded again asking me to send them proof of address and a copy of my social security number. 
I sent them what they requested on XX/XX/XXXX and after 20 days they responded saying that " we could not verify your information, please send proof of address and a copy of the social security again, '' and they sent it to them. I sent again on XX/XX/XXXX. It should be noted that they can not verify my address but Equifax sends me letters to the address where I live, that makes no sense whatsoever that they ask me to verify the address twice. 
Since XX/XX/XXXX, I have been disputing with Equifax and they do not resolve anything, they do not want to resolve anything. 

According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to XXXX XXXX XXXX this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable issue
Consumer complaint received 2024-03-26
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)

Equifax is reporting an account for XXXX XXXX XXXX  This account is inaccurate and does not meet the FCRA reporting standards. 

Issue 1 : You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
Issue XXXX : The report says 7 years of payment history, yet there is No Data reporting for 48 Months. Why is no data reporting for 48 Months? Whis is this incomplete?

Issue 3 : Creditor Classification reporting as Unknown? Why is it unknown? 
Issue 4 : Date of last activity missing. Why is it missing? 
Issue 5 : Last payment date is reporting as XX/XX/2019 in the account history but this is not reflected in the payment history. 
This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.
Consumer complaint received 2022-11-02
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. (MO)

I've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. E-OSCAR or any other kind of automated verification is not acceptable to me.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (WA)

unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a XXXX resident and I do not possess any XXXX-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
Consumer complaint received 2021-05-13
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)

Hello, PayPal system close my account without any reason. 
I received a payment from unemployment benefit, but i do not understand why PayPal close my account. 
I need PayPal get me back my account because I do not have any chargeback or fraud activity. 

I get PayPal cash card and now this service is a XXXX. 

I cant buy or paid bill, i cant bought food because PayPal block me at all. 

What PayPal need for help me fix the problem. 

i hope this can really help me. 

My account email is XXXX.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried to dispute some items on my Experian Credit Report several times as they are inaccurate. Ive been trying to dispute them for 2 years now. I have items on there that are over 7 years old and they have been picked up by collections which shows another account for same creditor. They will not remove these inaccuracies from my report.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I had a home mortgage with SunTrust/Truist that I refinanced with another bank. The refi closed on XXXX and the funds were received by Suntrust/Truist on XXXX. I had an escrow balance at closing of {$4300.00}. My understanding is that they have 30 days to return this money to me and they have not. The loan information is not longer available on their mortgage portal ( I have another loan with them and I see that one when I log on but the not refinanced one ). I have tried calling into their service center and have spent over an hour on hold each time, never succeeding in getting through to anyone. I have submitted an online message through their portal as well and have not heard back. I am concerned this huge corporation is slow-paying the return of my money and that this violates the law.
Consumer complaint received 2017-09-08
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)

Following this press release by the FTC XXXX https : XXXX ), I went to Equifax XXXX XXXX : XXXX ) and checked my impact. They suggest I have been impacted, but their resolution is for me to waive my rights to class action against Equifax in exchange for a credit monitoring service. I do not think this is an appropriate resolution and would like the CFPB to find a stronger resolution for me and other Equifax customers.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

DISCOVER IS REPORTING A LATE PAYMENT FOR THE MONTH OF XX/XX/2020. THIS IS A COMPLETE ERROR AS I PAID THE ENTIRE ACCOUNT BALANCE ON XX/XX/2020. THEREAFTER, I WAS EVEN GIVEN A INTEREST REFUND. HOW CAN I POSSIBLY BE LATE AND THEY GIVE ME A REFUND? I HAVE ATTACHED A COPY OF MY DISCOVER STATEMENT TO SHOW PROOF. PAGE 3 UNDER THE TAB " TRANSACTIONS '' WILL SHOW WHEN I MADE THE PAYMENTS AND WHEN I GOT THE REFUND.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Few years ago I paid a debt in full with XXXX systems. Thry stated to me if I pay my whole debt off they would give me a deletion letter and would be taken off my credit report it has not. And it's effecting me and my family from purchasing a new home.
Consumer complaint received 2021-05-13
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: AMERICAN EXPRESS COMPANY (MA)

Thank you for helping with this issue. I was offered an incentive by American Express to change my credit card from the introductory card to the XXXX XXXX XXXX. The incentive was that if I spent {$1000.00} in the first XXXX  days of having the card then I would receive {$300.00} in cash back. Apparently, according to Amex, I did not adequately accept the incentive because I clicked on the wrong link, and thus they could not verify that I actually qualified for the offer that they sent. It is likely that they sent me an email saying that I would receive the offer, or that they reflected it on my Amex page, but that I did not click on that precise link to accept the offer. Thus, when I upgraded my card, they refused to give me the incentive I had obviously qualified for.
Consumer complaint received 2021-05-13
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. (TX)

Mailed out letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and they failed to show proof that each account is 100 % accurate. 

I ask to share with me their method of verification for the following accounts in question and I have yet to hear back from them.
Consumer complaint received 2020-02-03
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. (IL)

I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. 

I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. 

Accounts reference is : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX? XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-07-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX , Account # XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # 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 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (FL)

I opened a savings account with Axos Bank a few weeks ago. They had and still have an advertised interest rate for this type of account of 0.61 % APY. In a matter of days they dropped my rate to 0.15 % APY but they are still advertising the same 0.61 % rate on their website and the internet. 

Today is XX/XX/XXXX. I contacted the bank to ask about this and they were aware that their website listed a different interest rate than they were paying me. They said it is a variable interest rate account and it was at the managers discretion that they dropped the rate. Yet they still advertise the higher rate. They would do nothing to address this concern that I raised. I feel they are falsely advertising a higher rate that they initially pay for a few days then do a bait and switch and drop the rate down -- as a means of luring new customers to their bank. The decrease is substantial and way lower than what competitor banks are charging at the same time which today was in the 0.40 % and higher range. 

They had no market basis for their significant drop in rates and still promote the higher rate.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (AL)

I obtain a personal loan from this company and to my surprise they took out a life insurance policy after documents was signed. I did not consent to this, plus I was charged 35.99 % APR. Now I have to pay all interest up front ( rule 78 ). I have tried several times to resolve the issue. I need help..
Consumer complaint received 2021-05-14
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. (LA)

I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus Equifax XXXX XXXX and XXXX XXXX I have not heard anything back about these negative inquiries are derogatory creditors.
Consumer complaint received 2021-05-14
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. (NY)

I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a check from Consumer Financial Protection Bureau in the amount of {$770.00} ( Tracking # XXXX ) and deposited it by way of mobile deposit into my USAA checking account. The check was accepted for deposit and funds were made available to me, as I expected. On XX/XX/2021 I logged into my USAA account to see a balance of negative {$770.00}. USAA returned the check I deposited and told me that " XXXX XXXX was not a business ''. I explained to several USAA members that XXXX XXXX is the business involved with the lawsuit payments not the company issuing the check. I was told to " Refer to Maker '', at which time I called the Payment Administrator at CFPB and explained what is happening. I was informed by the administrator that USAA received payment for the check on the XXXX of XXXX, XXXX. 
I have not heard from USAA OR CFPB regarding this. As of today my account is in overdraft for the check issued by Consumer Financial Protection. 
The irony of this is that CFPB is supposed to help consumers against issues like this, however, I called on XX/XX/2021 and was told someone would be reviewing my issue.