davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, I got an email from XXXX XXXX XXXX XXXX who mentioned I owe " debt '' with PayPal. The XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I sold points/miles to the agent XXXX and I would like to get dollar from him. However, XXXX didn't have enough dollar. Therefore he found XXXX XXXX ( PayPal user : XXXX XXXX and XXXX XXXX ) to exchange currency through PayPal. In other words, the triangle transaction was that I gave XXXX points and XXXX gave XXXX XXXX, and XXXX gave my USD. On XX/XX/2022, a review occurred to my PayPal account, I made an inquiry of XXXX and found XXXX used credit card to make purchase through PayPal. I felt of concern because I was aware that this is a high risk transactoon and might trigger alerm of PayPal. Later on the same day, the review was lifted and I felt everything might be okay. On XX/XX/XXXX, two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by the PayPal account " XXXX XXXX XXXX and on XX/XX/XXXX another two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by " XXXX XXXX ''. At beginning, it seemed that XXXX tried to help while all the emails I drafted for him and asked his help to send to PayPal, and he always found find excuse to delay. I felt he maliciously eacaped from his liability and at the same time, it was very difficult to reach PayPal when my PayPal account was banned. I firmly believe I don't owe any single penny from PayPal. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

On XX/XX/XXXX I sent {$310.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that deduction is Department Education Studen Ln XXXX. In fact, the XXXX showed up as pending on Mohela 's side for several days then it disappeared without it going towards my balance. 

On XX/XX/XXXX I sent {$500.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then this disappeared without it going towards my balance. 

On XX/XX/XXXX I sent XXXX dollars to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education deduction is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then it disappeared without it going towards my balance. 

Keep in mind I am sending daily payments of XXXX and these payments are going towards my balance. So I am wondering why some payments are going towards my balance and others are not, especially my larger payments. I am nervous about sending payments to Mohela because they have demonstrated in the past that they lose money. I had to complain about them in XX/XX/XXXX when they could not find XXXX dollars that I sent to them for a loan payment. When I called, the supervisor hung up on me after waiting for over 90 minutes to speak with someone. I want to pay my bill and have great credit but again nervous about sending payments to Mohela who is known to lose payments. I need help
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

IXXXX 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 bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Consumer complaint received 2023-09-09
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. (GA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a pressing issue concerning my credit report. My name is XXXX XXXX, and I recently discovered several fraudulent accounts listed on my Transunion credit report. The accounts are listed below. 

These fraudulent accounts are negatively impacting my credit score and financial well-being. I have taken immediate steps to report the identity theft to the Federal Trade Commission ( FTC ) and have filed an identity theft report with the FTC. I have also contacted Transunion to dispute these fraudulent accounts directly. However, despite my efforts, Transunion has not removed these accounts from my credit report, even after verifying that they are indeed fraudulent. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter. I believe that the presence of these fraudulent accounts on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which pertains to the blocking of information resulting from identity theft. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and work with Transunion to promptly remove these fraudulent accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial standing and reputation. 

I greatly appreciate your attention to this issue and your assistance in resolving it as swiftly as possible. Thank you for your dedication to protecting consumers ' rights and financial well-being. 

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I have recently disputed a XXXX XXXX as a fraudulent account which was a charged off auto loan. Unfortunately, the account is listed as a duplicate account on my credit file. Its now two charged off accounts with different account numbers. This goes against the FCRA laws, and Ill like deletion and action taking upon this matter.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-08-09
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2022-12-12
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. (MO)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy of the information on my Experian credit report regarding the account mentioned with XXXX XXXX XXXX. The reported account status as " Account charged off/Never late '' is inaccurate and misleading. I am requesting a thorough investigation to rectify this error. 


I hereby dispute the following : Account Information : Account Name : 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 


I dispute the accuracy of this account status for the following reasons : Payment History : Contrary to the reported status of " Account charged off/Never late, '' I have consistently made on-time payments as per the terms of the 72-month installment loan. Specifically, in XX/XX/XXXX, I made a payment of {$2900.00}, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. My payment history has been characterized by diligence and punctuality. 


Discrepancies in Account Balance : I have received correspondence from XXXX XXXX XXXX ( XXXX ) indicating that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/XXXX, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. However, I have not received comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied. 


Missing 1099-C Form : Furthermore, I would like to bring to your attention that XXXX XXXX XXXX has failed to provide me with a 1099-C form for the written-off amount of {$3800.00}. This omission is significant as it should result in the reported balance being zero, in accordance with tax regulations. 


I earnestly urge you to take prompt action in updating my credit report to accurately reflect the details of my payment history and resolve the discrepancies presented. Given my consistent record of responsible financial conduct and adherence to the payment schedule outlined in the original agreement, it is crucial that my credit report accurately reflects this information. 


I kindly request that you conduct a thorough investigation into the accuracy of the reported account status, the handling of insurance proceeds and account credits, as well as the missing 1099-C form. As per the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to complete this investigation and provide a response.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC. (CA)

I used to live in a house with my then husband., The lease was in his name, I have a copy. I moved out in XXXX and we got divorced. My ex-husband moved out in XXXX. The landlord sent us both to collections for {$3600.00}. I've tried disputing it with the credit bureaus, the landlord, and I sent a letter with a copy of the lease to the collection agency ( no response. ) I didn't get the original collection letter for me to dispute. My ex-husband is disputing the debt too for his own reasons. The debt is not related to rent owe, but for damages to the property. They kept all the deposits and 1/2 of rent. I'm trying to repair my credit, and this is damaging me although the debt is not mine. Please help me.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has re inserted an sealed record back on to my credit file for third parties to see, that is a violation of my constitutional right to privacy, and it violates the FCRA, the record is off limits to CRA 's. I have attached evidence once again the case is sealed from the public.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX has an account on my credit report in the amount of XXXXThat is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXXXXXX XXXX has an account on my credit report in the amount of XXXX.That is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.
Consumer complaint received 2023-09-09
Product: Credit reporting 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)

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 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 XXXX 

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 2023-09-09
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. (TN)

Equifax continues to report on my credit report the XXXX XXXX account # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated this account and found that it was open fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Equifax to remove this account from my credit report due to this fraudulent activity. Unfortunately, Equifax continues to list this account on my credit report.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I was out of the country for 2 months and they never put my payment to autopay as I requested before because i had no access to the app or website. I was never 30 days late so they reported inaccurate information on my credit report as late. The company has never reported once ever my on time payments. They are reporting inaccurate information on my credit report as 30 days late even though they gave me an extension for a reason and I was qualified for the extension. Please help me remove this inaccurate late report on my credit file on Experian.
Consumer complaint received 2023-09-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services (NY)

Just now, on XX/XX/2023, at XXXX, I am in receipt of harassing email from EdFinancial which accuses me of giving instructions to them which I never did, and in effect, EdFinancial is attempting to and/or conspiring to collect from me a balance of {$70.00} and subsequent interest which I have already paid. 

EdFinancial 's harassing email states they " apologize for any inconvenience '', but such apology is fake as they make a dishonest statement in " The payment in the amount of {$70.00} was applied to your account per your instructions. '' I specified, online that such loan be applied to my loan group with the greatest interest rate. EdFinancial is engaging in fraudulent behavior by receiving funds under the pretext of servicing my loan with honesty and the ability for me to be charged/pay less interest by preferentially paying higher interest loans more so than other loans. However, EdFinancial has not decreased my loan with the highest interest rate by {$70.00} -- and if they allege it is to my advantage in some way in reference to my hypothetical account balanced over the next 15 months, due to their policies on capitalized interest, then, they haven't explained that.
Consumer complaint received 2016-05-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genuine Debt Solutions, LLC. (DE)

Getting calls about a payday that I supposedly took out online that has not been paid. I did not take this loan in XXXX. I 'll filed bankruptcy in XXXX. Any loans that I had at the time were under the bankruptcy and I have never had anything to do with pay day loans since. They called my job today showing a Delaware number. When you call the number back a recording says they do n't take calls. They left an XXXX number which I called and asked them to provide proof and documentation which they refused. I asked them not to call my job again and they called again this afternoon. They were threatening court action and some non check writing list. And when I would not work with them on the phone without receiving documentation, I was yelled at and then hung up on.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

I have had my existing PayPal account for roughly 20 years with the same checking account linked to it the entire time, and I also have a current PayPal Mastercard. In other words, I am a well-established customer of this company. As a XXXX XXXX XXXX I work with a variety of clients. On XX/XX/21, I received payment for XXXX XXXX in the amount of {$370.00} via PayPal from my customer who is based in XXXX. Upon receipt of funds, PayPal deducted their 5 % fee, then immediately locked my account. I received an email stating that I can no longer do business with PayPal, without explanation, and I am unable to transfer my funds from PayPal to my bank account. When I called and spoke to customer service, I was told that I would have to wait until I receive an email from them in 180 days with instruction on whether or not I can transfer my money into my bank account. I sent them an email, and received an immediate reply that stated their decision is final, and " We can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I have never violated any terms of service, and their efforts to steal my hard-earned money is outrageous.
Consumer complaint received 2023-09-08
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I '' m a victim of fraud and this collection company is trying to collect a debt thats was open Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.