davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WA)

on XX/XX/2024 around XXXX XXXX I, XXXX XXXX, just tried to order XXXX XXXX XXXX online and my prepaid, paypal card, that had {$95.00} on it, got declined and kept telling me i had the wrong zip code. I tried again, and again, it declined for wrong zip code. So, I call paypals customer service phone number from the back of my prepaid paypal debit card, I enter the card numbers into the phone system, it accepts it, it then asks for my full XXXX digit social security number, I enter it in, it declines it. twice, then put me through to a live agent. the agent gets on the line, asks me the persons full name she was speaking to, so i tell her, my name is XXXX XXXX. she then asks me what the name on my prepaid paypal card shows, i then answer and say, XXXX XXXX. She says this information is wrong. so double confirm, she asks to tell her again, what the full name on the card shows, that i have in my hands. I say, again, MY name XXXX XXXX, which is the name on the card. The agent then tells me, okay sir. you'll have to call back, when you have the right information. The information that you are telling me, is not the information thats entered into the system and what im seeing on my end. So, unfortuntely, because you dont have the right information that i need to confirm, you can call us back, with the correct information. ( in my opinion, she was insulting me there, as if I call back tomorrow, my name is going to be different ) but it isnt, and wasnt. Thats what i said, just that. and asked her, this is not concerning you that clearly someone has gotten all my identity information and has changed all my information on my account so they could take my money off this card because there isnt the XXXX $ exactly on the card anymore. the agent tells me, sir i can not tell you wether it does or not until you confirm the other information, that you couldnt match with earlier. So i Just told her, okay yeah, your not even directing me into starting a fraud claim or ornothing not trying to confirm anymore investigative questions, to try to realize that i have been a victim of identity fraud. someone has my identity information, and ended up getting my paypal information, and then got into my account, and changed all my information to theres. so wouldnt they want to get to the bottom on wether or not the persons inofrmation that was showing, is actually in fact, the theif. just seems kind of strange to me for paypal agent to just not even say anything other than, when i have the right information call back, not asking anything about trying to find out whats happening here and why i have a card that doesnt match all the information that was entered in to be able to activate and use this paypal card. when i called to activate it, it made me put in a lot of information, thats is sensitive to, making me a victim of identity fraud. i would like paypal to be investigated on this matter please.
Consumer complaint received 2023-06-16
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. (GA)

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 2023-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (ND)

Multiple complaints already. Apparently, I can email everyone else within Mr.Cooper. Except the one person I need to be in communication with. Due to Privacy Concerns. Which I don't share. To me, email is a fast, effective, secure way of sending and receiving questions, answers and, yes, documents of a personal nature. My side is secure. Mr. Cooper has recently sent me multiple sets of documents/responses via standard mail. Among them was a document for a couple in Texas. I have their names, address, loan number, payment dates and amounts... I jumped on their chat, which is finally unlocked for me, and they had me email a picture of the document to a supervisor.
Consumer complaint received 2024-04-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (TX)

Started with Freedom Debt Relief end of XX/XX/2023. I've paid in 5 deposits of {$330.00} each. They've only negotiated with 1 company, XXXX XXXX. I then find the outrageous amount for " fees '' which I find out is going to them. They skirted around what those large amounts were for but in the end, found out that's their fees for negotiating with just 1 company .... Also, at the beginning they had me authorize a settlement for a medical bill of {$1500.00} and said they got it down to {$800.00} but now it doesn't show they've paid anything toward that settlement.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

There is an error in my payment counts for PSLF. There is a time period from XX/XX/XXXX to XX/XX/XXXX in which there is no payment information. I was a XXXX in a low-income elementary school at that time, making payments. I did attend XXXX school in XXXX. I have provided employment certification for this time to both my loan servicer and the government.
Consumer complaint received 2024-03-30
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2022-11-26
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-30
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Collection/ closed/ charged off Account Reported by To Whom It May Concern, I am writing to dispute the collection account listed on my XXXX credit report, attributed to XXXXXXXX XXXX XXXXXXXX XXXX Upon reviewing my credit report, I discovered errors in the reporting of this account, including incomplete account numbers and discrepancies in the information provided also it is past the status of limitation of Pennsylvania which is 4 years. 

Additionally, I wish to emphasize the legal requirement for accurate and consistent information reporting by credit reporting agencies, as outlined in the Fair Credit Reporting Act ( FCRA ). All reported information must be complete, accurate, and verifiable, including ensuring that the entire account number is readable and that each reporting agency has consistent information regarding the reported account.

FCRA Section 1681e : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. Also, the collection agency has not provided validation information under 12 CFR1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

Additionally, the agency has no authority to furnish any account to a consumer reporting agencies without providing any disclosures without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A ) I request that XXXX conduct a thorough investigation into these discrepancies and validate the accuracy of the reported collection account. Please ensure that all necessary steps are taken to verify the information before any further actions are taken regarding this account. 

If additional information or documentation is needed from my end to facilitate this investigation, please feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this matter, and I trust that you will address this dispute promptly and effectively. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

My chase credit card was charged for {$720.00} for an online purchase at XXXX XXXX that neither myself or my husband made. I reported this fraud to Chase and they issued a new credit card. After waiting for over a month, they sent a letter saying my claim was denied. I called them and they said that my husband bought an XXXX controller ( he did not and does not even own an XXXX ). They said they would reopen the claim but to also call XXXX XXXX, which I did and they claim that the purchase was made for curb side pick up at a location over an hour from where I live. They also say they will " investigate. '' This is absolutely ridiculous we have been Chase customers for years and have always paid on time/ never filled any other fraud claims. I will be leaving Chase if they do not resolve this issue and refund us.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX 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.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022 I sent an accidental payment in the amount of {$1200.00}. I intended to make a request for payment. After attempting to get my money back from the person it was accidentally sent to without luck, I contacted Venmo on XX/XX/XXXX. I notified them in writing of the accidental transfer and attempts to get my money back from the person. Venmo stated that I was for all intents and purposes " XXXX out of luck ''. They said there is nothing that they can do for me and I have to take it up with the person that the funds were accidentally sent to. 

I have an extensive history of sending this person requests for the funds over the last two years as he owes me for a loan in that amount. Clearly, based on that and messages I sent to the individual starting the morning of XX/XX/2022. XXXX individual promised multiple times that he would return the funds. I sent screen shots of these promises to Venmo and was told again that the only recourse I had was to pursue getting my money back from the individual account holder and that they could only take action if given express authority from the account holder. 

I sent Venmo the rules for Regulation E 11 days ago and have received zero response from them. The recipient refunded {$300.00} of the accidental funds but has not refunded anything else. He keeps stating he will send the money back as soon as whatever made up crisis of the day is and then doesn't respond again until I hammer him with messages. He has no intent of paying back the original loan or returning the remainder of the funds sent in error. Venmo will not assist.
Consumer complaint received 2022-11-24
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602A.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 2022-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-14
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. (TX)

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 -ACCOUNT # : XXXX, XXXX, XXXX, XXXX, XXXX, 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, 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 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 2022-11-26
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. (AL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries 1 of 2 please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

XX/XX/24 : Opened new Ally bank savings account XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : I Requested transfer of {$10000.00} from XXXX XXXX XXXX savings to Ally bank savings. Received an email that confirmed XXXX XXXX XXXXXXXX Withdraw On : XX/XX/24 and Ally Deliver On : XX/XX/24 XX/XX/24 : Funds were withdrawn from XXXX XXXX XXXX savings. XXXX XXXX XXXX Saving statement confirms XX/XX/24 : Received notification that {$10000.00} was received by Ally and transfer was complete XX/XX/24 : Received first notice that the transfer of {$10000.00} was incomplete XX/XX/24 : Made first call to Ally Bank but did not talk to someone until XX/XX/24 Since XX/XX/24, there have been many calls with no support of this situation and no explanation of when I will receive my funds. I am semi-retired with XXXX 's and for XXXX thing I do not need the stress this creates and I also need the funds.