davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MO)

On XX/XX/2023 at XXXX am, I stopped by this ATM at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw {$400.00} in cash on my Paypal debit card. The machine gave me a receipt and my card, but did not dispense any cash. On the receipt, it clearly states " Transaction Denied '', but I received an immediate notification from Paypal that the money had been debited from my account. I reported this immediately to Paypal and they opened up an investigation. I also called XXXX XXXX XXXX to report the malfunction, but was told that since I'm not a member of their bank, there wasn't anything they could or would do for me. They suggested I contact Paypal, which I had already done. Days later, Paypal made a temporary/provisional {$400.00} deposit, pending their investigation. Shortly thereafter, I received an email from Paypal telling me that XXXX provided logs of this failed transaction and they were satisfied with the verbal guarantee that the money was actually dispensed and the case was closed. I requested that the case be re-opened and that XXXX needed to provide an ATM log AND video of the transaction. Paypal re-opened the case, but immediately closed it, stating they were satisfied with the proof XXXX provided, although I have seen no proof at all and I have this little ATM receipt saying " Transaction Denied '', along with my Paypal log of the same transaction. I went to the XXXX location and asked to speak with a manager. Not only was I denied access to a manager, but they also declined to produce or provide ATM logs or ATM video of this transaction. After submitting a complaint to the XXXX, XXXX contacted the 3rd party ATM company and they both reviewed the ATM audio/video/logs of this transaction and, by their own admission in a letter to the BBB, found that the cash was NOT dispensed and their logs showed the discrepancy. They issued a refund to my card on XX/XX/XXXX, but that refund has not been credited to my PayPal account. I reached out to PayPal, but they insist they reviewed evidence to the contrary and are not only refusing to credit my account with this refund, but they have also deducted the original provisional credit amount of {$400.00} from my account, putting my account in the negative. When I asked the PayPal representative for the evidence they are referring to, he gave me an address and told me I have to request that information via a letter to their Billing Error Department, which I sent priority/signature confirmation through USPS. One of these banking establishments isn't being honest in this case, and since XXXX has responded with apologies and a refund, I can only surmise that PayPal is the culprit. How do I proceed from here? Please advise and help!
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have never had XXXX nor am I aware of XXXX XXXX. I have no idea what it is and why its on my report. I want proof of who they are not a random bill that can be from anywhere due to fraud. I have never received anything from these companies or know who they are.
Consumer complaint received 2023-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

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  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account Name : US DEPT OF EDUCATION/XXXX  # XXXX, Account Name : XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I have requested Experian to update my Credit Report to reflect the payoff of my student loans. I have been requesting this from Experian since late XXXX, XXXX and my previous student loan provider, XXXX, has assured me they have provided my payoff information, and subsequent {$0.00} account balance to Experian on XXXX separate occasions - during the course of regular reporting on XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX, and XX/XX/XXXX, as a result of Experian investigating my dispute submission. XX/XX/XXXX was the original submission, and XX/XX/XXXX is the date I added an additional supporting document. 

I have tried to resolve this with Experian, and requested to speak with supervisors, but each time I requested a supervisor, I was placed on a lengthy hold, and hung up on without ever speaking to anyone - when it happens XXXX times in succession, it seems like it's more of a business practice than an anomaly. 

I have been working exceedingly hard to fix my credit, and have done all that is required. I'm just asking now that my score be accurately reflected, and reported. Experian continues to report an inaccurate balance, and account status for my XXXX account, and I want it to stop.
Consumer complaint received 2023-10-04
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX XXXX has violated my rights. Or 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 2023-10-04
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. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to XXXX XXXX XXXX XXXX XX/XX/2023 requesting for validation of this debt from AFFIRM, ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g.

On my Debt Validation Letter, i asked them to delete this Account from AFFIRM off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (MI)

On XXXX XXXX I closed on a consolidation loan to pay off 4 creditors. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. Two of those payments, ( XXXX XXXX XXXX, and XXXX XXXX XXXX have not been received and paid off those loans as promised in the contract we entered. 

One Main Financial refuses to move my payment due date back, or, most importantly, reissue these two missing payments. 

They have not provided me with a copy of the contract.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a letter from Bank of America dated XX/XX/XXXX telling me that the account was closed bc I didnt follow certain guidelines. I called to inquire about the remainder of funds that was in the account and they told me I would get it whenever they finish their investigation which has no time limit. I have sent them documentation to prove that the funds are legitimately my funds and still they have yet to release my funds which is over {$10000.00}.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Please see the attached Letter to support my Inquire against Citibank for False representation to get reimbursed for the amount of {$1400.00}. due to contradictory information and negligence given by Citibank XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

Today, I am writing this complaint to JPMCB AUTO regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I am writing to file a formal complaint against LexisNexis regarding inaccuracies in my credit report. On XX/XX/2023, I submitted a dispute letter to LexisNexis highlighting two significant issues : Incorrect Personal Information : My credit report contains incorrect personal information that does not accurately represent me. 

Inaccurate Public Record : There is a public record listed under the name " XXXX, XXXX. '' This name is not the correct spelling of my name, and the information associated with this record is inaccurate. 

I have made every effort to rectify these issues with LexisNexis, but to date, no action has been taken to correct the inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies maintain accurate and up-to-date information. The inaccuracies in my credit report are not only damaging to my financial standing but also a clear violation of my consumer rights.
Consumer complaint received 2023-10-04
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. (LA)

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 2023-10-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NH)

I paid my bill in full ( {$63.00} ) on XX/XX/2023 and the payment was accepted and deposited by the company on that date. I have documentation to support this fact. The company has not credited my account with this payment and has been charging me late fees and interest instead. Several times, I have called the company, but they are " reviewing the case. '' In the meantime, they are sending me intimidating emails and demanding payment.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

I use the XXXX platform to work as a XXXX XXXX XXXX XXXX  as an independent XXXX. I started a brand new checking account with Square in order to have the funds of my paychecks to go directly into that account. As soon as I started getting paid by XXXX Square completely froze my account with a balance of {$1300.00} in there. That's money that I worked hard to earn. They shut down my account with nothing but a generic email saying that my account will be under review for 60 days. It's been well over 90 days and I have tried to contact Square on numerous occasions about my hard earned funds and they have told me that I can't speak to anyone and to defer back to the email. They're holding my hard earned money hostage. This is so sickening that a bank would steal money from people while the country is experiencing such high inflation and people need to pay their bills. Just sick.
Consumer complaint received 2023-10-04
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. (NC)

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-04-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 furbish an account without my written instructions.
Consumer complaint received 2023-10-04
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. (LA)

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 2023-10-04
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: JPMORGAN CHASE & CO. (FL)

Someone tried to open a Chase Freedom Credit card using my I formation on XX/XX/2023. The card was declined. I received a notice that my credit was pulled from XXXX  and chase the next day.