davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I found concert tickets on sale on XXXX events and communicated with the seller through XXXX XXXX. They asked me to pay through friends and family on PayPal. I sent {$120.00} to XXXX and they kept stalling and saying the tickets would not send through XXXX or email so I reached out to PayPal while the transaction was pending and said do not release the money that it was becoming clear this was a scam. PayPal sent the money and I opened a dispute and they have already closed the dispute. This is not right. PayPal promises 24 hour surveillance and I communicated with them before the money was released. They claim to be concerned with our security yet they ignored my live chats and disregarded my pleas. I thought PayPal was trustworthy. Thats the only reason I felt safe sending the money. Ive never used PayPal before and was told by my Aunt that PayPal ensures safety of transactions. Please help me.
Consumer complaint received 2024-03-14
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. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-03-02
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. (TX)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Consumer complaint received 2024-02-20
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. (NJ)

In accordance with the Fair Credit Reporting act. The account I listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # 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. I am human and this is affecting my life. Please kindly remove off my credit report.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and time has already passed but up until now, I havent heard any kind of response from XXXX and XXXX credit bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request regarding MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I've already reached out to both the Bureaus and collection agency. However, they failed to do so, they are obliged to remove this item which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please investigate and remove this MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) from my account. This is causing my scores to drop.
Consumer complaint received 2022-01-31
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: U.S. BANCORP (CA)

The following charges appeared on my account : {$2900.00} - XX/XX/2021 {$4200.00} - XX/XX/2021 {$1400.00} - XX/XX/2021 {$95.00} - XX/XX/2021 {$70.00} - XX/XX/2021 {$17.00} - XX/XX/2021 I reported these fraudulent charges to the company, and they reported that they believed the charges were valid. I requested rights to evidence used during the investigation on XX/XX/XXXX, as well as the opportunity to speak with the investigator. I have not received this information, and I have not been given the opportunity to speak to the investigator. Furthermore, they will not give me the phone number of the investigator, and they ask me to leave a phone number, which the investigator will call back, but he or she never does.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Early this morning I logged onto myrushmoreloan.com to make my payment. I thought something went wrong and made the payment again. I ended up making the payment twice. 

I tried deleting the second payment but the system said I could not and to call. I called and was told that they could not cancel the scheduled payment even though it was set for the next day. I explained my mistake and can not afford both payments. Also, other bills are going to be due on first and they will bounce. They said their policy will not allow them to cancel the payment -- I found this very confusing - how can a company simply not delete payment? I argued with the representative 'Chason XXXX who was only doing what he could with his limited ability. He said someone will call me back - I said I would hold - and I did hold for XXXX hour and XXXX minutes and to be hung up on. 

Granted this was my mistake, however all they had to do was cancel the second payment. 

Do they have the right to hold to do this because of 'their ' policy? 

Now I am screwed for the start of this month. I will be paying fees on many bills.
Consumer complaint received 2022-01-31
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. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, Equifax, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2022-01-31
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. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including transunion, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (UT)

" New Issue '' XXXX re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, XXXX  you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again Synchrony when you were sent police report XXXX, the account balance is fraud. Synchrony is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

XXXX  continues to be NON-Compliance of the law.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MedShield, Inc. (IN)

My wife and I received a notice from XXXX XXXX who is a debt collection attorney for medshield. They filed a lawsuit claiming they exhausted collection efforts yet never received any voicemails nor is the debt reported to the credit bureaus. This debt is from over 7 years ago. I submitted a written statement indicating several hardships and offered an immediate settlement offer for a majority of the bill. My sister is XXXX XXXX which we are assisting financially as well as watching our niece a good portion of time and incurring additional costs. We also have large amount of medical debt due to 7 rounds of XXXX totaling over 150k. In my letter I requested a counter settlement if mine wasnt accepted. I was told the settlement was denied and no counter offer. During at least one call I was never notified the call was recorded. Did some research and this guy is suing people for 15-20 year old debt when the brr was a juvenile ... how is this consumer friendly? My sister has many expenses and bills we help with including very expensive medicines. I ended up being forced to pay XXXX  in fees on a XXXX debt or be sued? No consideration for our situation. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (TX)

HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Nelnet ( and the loan guarantor, XXXX  ) are both threatening collection action, call the loan and damage my credit history for an amount the claim is overdue, but I am actually paid ahead. 
Briefly, I am paid ahead to approximately XX/XX/XXXX. Nelnet claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. 

On XXXX, I received a call from Nelnet that I was behind over {$2500.00}. Since then, I have made 5 calls to Nelnet and 2 calls to XXXX to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ) who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that Nelnet was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
Consumer complaint received 2023-10-27
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. (TN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE