davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Date Incident Happened : XX/XX/2021 Basically i was using a app called Paypal which is extremely known for having terrible customer service. They recently limited my account and asked me to verify a couple of things. After i verified i woke up to a message saying that i have been permanently limited in other words ( banned ). This is absolutely absurd i have not broken the XXXX. They dont even respond to my messages instead they give me automated responses. Paypal does not care about there users. The items i sell are digital goods they dont require tracking or anything i accept the money through friends and family. This is insane! 

My Email Used In Paypal : XXXX Please Text Me Back At This Email : XXXX XXXX
Consumer complaint received 2022-12-25
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. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XX/XX/XXXX has XXXX XXXX XXXX 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 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 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Ref. to CFPB No. XXXX, Mr. XXXX previously complaining of XXXX unauthorized credit inquiries which were appearing on his credit reports TRANSUNION responded that " [ y ] our written authorization may not be required '' to run your credit and " specific consent to the release of your credit information is not necessary '' and therefore closed the case. Later on, XXXX new credit inquiries that has therefore increased total number of unauthorized report inquiries to XXXX. According to TRANSUNION if complainant has any objection about using his credit reports he " may wish to contact the creditor directly. ''
Consumer complaint received 2022-12-25
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 SECTION 602 A. States I have a right to privacy.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (IN)

The following should be removed from my credit report due to the lack of compliance with the method of verification rule. The credit reporting bureau is Experian. 

Account name XXXX XXXX  Account number XXXX .... 
Recent balance {$4700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX The following information needs to be confirmed/submitted to me, otherwise it needs to be removed from my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this allege account. 
A copy of any documents provided bearing my signature showing that I have a legal binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable.
Consumer complaint received 2024-03-17
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. (AL)

I disputed XXXXXXXX XXXX prepaid card reported opened XX/XX/2023. XXXXXXXX XXXX, XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I had an vehicle loan with XXXX XXXX in XXXX and was making payments as agreed and on time. Then, I ended up having to file a XXXX XXXX Bankruptcy due to some medical bills and other debt. The vehicle was included in this filing in XX/XX/XXXX. Through the agreement, they were paid as scheduled and the vehicle was paid in full this year around XXXX. I finally received the title and Lien of Release. However, when I check my credit report with Experian and XXXX, the payment history shows 30/60/90 days delinquent and as a charge-off beginning in XXXX of XXXX. I have contacted XXXX previously and they were, from my understanding going to correct this. As of XX/XX/XXXX, they have not and in fact, my FICO score with Experian dropped from around XXXX to XXXX since XX/XX/XXXX. I firmly believe, that when I requested my title and complained that my credit information was incorrect, my score dropped drastically. I did submit an email to their Credit reporting office on XX/XX/XXXX and am awaiting a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received. 

I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX  and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me.. 
Thank you XXXX XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (GA)

My wife and I each have a personal loan Rise Credit XXXX XXXX, LLC D/B/A XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX. Both of our loans were one month behind and we received a letter from Rise saying that if we paid two months immediately, they would credit my account for one payment as a bonus and two months on my wife 's account as a bonus. When we paid the amount they requested they refused to give us the credit they promised and are threatening us with action if we don't pay the amount they promised to credit our account. Their phone number is XXXX.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (DE)

Hello, I am so upset because I've done the hard work to get my credit score up and to utilize below 30 % of any of my cards, which is all o but one is XXXX  balance. I am very proud of myself! 
I received a letter about debt from DRS  ( I had never heard of them ) opened up the letter, and it stated I had a debt of over {$1800.00}, and if I did not respond by XX/XX/29, then it's assumed it was my debt. I called them and had to call back because I did not have the letter with me, but once I did, they had all of my information, old address, SS #, and my cell # from a check and go, which I have never sought any loan or money from ever! 

Instead of them waiting to see if it was me, they contacted all ( 3 ) credit bureaus, and I submitted disputes for two of them. today, XXXX stated that this would remain on my file due to DRS  having all my information, which this is not mine... I also had an entire criminal investigation. done by my new landlord because I had XXXX XXXX until my name and it was clear.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sometime in XXXX - XX/XX/XXXX - I entered an agreement with XXXX XXXX one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

XXXX XXXX representative took payment information " check by phone '' and assured me that XXXX XXXX would notify major credit bureaus ; XXXX, XXXX  and Transunion that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX XXXX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because XXXX XXXX has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that XXXX XXXX, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that XXXX XXXX would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - Transunion and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-03
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: DISCOVER BANK (CA)

I was working with Discover to process an offer made to me. They required additional documentation to be submitted. I had not submitted Yet, an inquiry was made to my report. I reached out to Discover to find out why an inquiry had been made and we had not completed the application, the chat agent confirmed that an inquiry should not have been made at this point of the application. There was explanation from Discover why an inquiry had been made and the application had not been complete.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates has now ILLEGALLY filed an ADVERSE ACCOUNT action against me with XXXX, without first sending me the LEGALLY REQUIRED notification that they now hold an account that they CLAIM that I own, with an unpaid balance that THEY CLAIM that I owe. 
They know, based on my previously filed complaints with CFPB, and based on my otherwise perfect ( XXXX ) credit score that this account does not belong to me, and is, apparently, the result of Identity Theft. 
They continue to ignore this, while just now sending me a COPY of the legally required notifications that they sent to a different person at a DIFFERENT ADDRESS in XXXX. That DOES NOT meet their LEGALLY REQUIRED Notification to ME, since I have never seen it before, AND THEY KNOW THAT. 
They started with harassing phone calls, refusing to even identify themselves, and only now providing the documents sent to the different person at a different address in response to my earlier CFPB complaints, and in an apparent attempt to cover their XXXX with the Arkansas State Board of Collection Agencies Complaint Process. 
CURRENT : They HAVE NOT sent ME any of the LEGALLY REQUIRED NOTIFICATIONS at my LEGAL address ( unchanged since XX/XX/2005). 
SO, they have filed an ADVERSE ACCOUNT in MY XXXX   Credit Report without ever sending me any of the LEGALLY REQUIRED Notifications at my LEGAL address, which they clearly have. 
This is continuing harassment, directed toward trying to get me to pay money that they know I do not owe. They believe that they can coerce me, based on my age and my exceptional credit score, into just paying a debt that I do not owe in order to get them to stop the harassment and remove their illegal Credit Report input..
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently reached out to receive my TransUnion credit report. I called on three different occasions. I was told air would be fixed and it still has not been. Ive been charged for access on my credit card but still can not get it.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (GA)

I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Citi promised a XXXX bonus, but only credited my act. for XXXX. I opened a dispute on XX/XX/XXXX and was told it would be resolved within 5 business days. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX only to be required to open a dispute again. It has taken hours to get this resolved with no end in sight. Many calls are dropped while waiting for a supervisor, and customer service has no answers. I followed all requirements and Citi 's own customer service representatives agreed yet only 50 % of the promised bonus has been credited. It is difficult to hear the rep 's who are primarily located in the XXXX, and there are no U.S. representatives, so communications are difficult at best. Citi Bank currently has a 1.2 star rating out of 5 with 94 % 1 star on " XXXX XXXX '', many many angry consumers coming your way, now do something.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP (GA)

This information is not listed on my credit report. On XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called XXXX XXXX DBA XXXX XXXX/XXXX  XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for Aldrige Pite Haun. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with XXXX again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/XXXX. On XX/XX/XXXX at  XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.