davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to make a transaction with someone I did not know. I sold them an XXXX for {$750.00} and used PayPal because everyone told me it would be secure and safe and PROTECTED. The other party told me to request the money from him and gave me his PayPal so I did that and the other party met me to pick up the XXXX. All was good. However later PayPal told me the party told his bank it was an unauthorized transaction and PayPal and the other party 's bank are siding with the the other party ( clearly a scammer ). This person is clearly doing this to multiple people and trying to scam us ( in my conversation he was asking if any of my friends were selling XXXX too, I didn't think anything of it at the time ) so now the other parties bank AND PayPal are protecting this scammer and leaving me responsible. PayPal has made my account negative XXXX by adding an additional inconvenience charge and stealing {$84.00} that a family member had transferred to my PayPal account. PayPal should not be leaving me held responsible for this scammer and they should not have taken back the {$84.00} sent to me from a family member. I have attached the PayPal screen shot and conversation notes with the scammer/ other party. Clearly PayPal is not a safe and secure site to make transactions and does not clearly state you need to take additional steps to protect yourself.
Consumer complaint received 2023-02-26
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 XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-02-26
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. (NY)

According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX- Account Number : XXXX *** Identity Theft-XXXX-Account Number : XXXX *** Identity Theft-XXXX- Account Number : XXXX *** Identity Theft-XXXX XXXX XXXX-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 ) States that 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 2019-12-03
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)

I am unable to get a copy of my credit report. I have not been able to receive a copy of my TransUnion credit report for years and decades. When I am able to login, TransUnion refuses to allow me to update my address or other personal information, claiming that they are just not really sure if it is really me. The latest thing that TransUnion has said is that they have postal mailed a copy of my credit report to a long-ago previous address. Their response, to postal mail my credit report to a long-ago previous address, is ludicrous and criminal. TransUnion won't let me see my credit report, but they do eagerly send it to strangers who are living in places where I lived long ago. I have told TransUnion that I have a new address. They said they mailed my credit report " to the address they have on their record ''. They refuse to allow me to update my address or other personal information on my credit report. I am the only, only person who has any authority to say what my address is. TransUnion refuses to allow me to report my address, and also postal mails my credit report, which I haven't seen, to strangers who are living in apartments where I previously lived. This is one example of how TransUnion encourages and assists in fraud, identity theft, criminal activity, and corruption.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Mailed check was stolen and cashed fraudulently by an unauthorized, unknown entity. Filed claim with my bank, Chase, but they refuse to refund the money. Timeline follows : XX/XX/23 Mailed check # XXXX for {$970.00} to XXXX XXXX in XXXX XXXX, MI. 
XX/XX/23 XXXXXXXX XXXX in XXXX cashed check without endorsement and stamped " ABS OF ENDORSE GUAR. '' XX/XX/23 XXXX XXXX notified me via email that he hadn't received my check. 
XX/XX/23 Called Chase and was told I need to file a claim. 
XX/XX/23 Sent funds ( {$970.00} ) to XXXX XXXX via XXXX per Chase 's suggestion. 
XX/XX/23 Went to Chase branch in XXXX, OH and they helped me prepare paperwork to file claim with Chase. 
XX/XX/23 Account credited for {$970.00} stating reimbursement for claim. 
XX/XX/23 Closed original account with Chase ( XXXX ) due to fraud and opened new account ( XXXX ) per their letter. 
XX/XX/23 Transaction appeared on my account debiting for {$970.00}. 
XX/XX/23 Met with XXXX XXXX at XXXX, OH Chase branch. He called fraud department at Chase, and they stated XXXX denied the claim and check was returned. 

Bottom line is that I am out {$970.00} due to Chase paying the original check and not recovering the funds from XXXXXXXX XXXX, who accepted it.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2019 verbal agreement on recorded line through Capital 1 to take XXXX $ payments directly from my account ACH, until payment is completed. 

Payments stopped by Capital 1 at the end of XX/XX/2019. There was no XXXX payment take. I checked with XXXX XXXX  and this was not stopped by me but by the creditor. 

On XX/XX/2019 I was served with a complaint on behalf of Capital 1 with attorney XXXX XXXX. 

I responded with evidence from my bank showing the automatic withdraw checking from my account. It showed from XXXX to XXXX. It showed that there was payments being taken out and that there was no stoppage from me at all. 

We had a pre trial on XX/XX/2019 and it was offered to re start the payments or a settlement of {$1300.00} could be made We were made aware that if there is a contatrctual agreement that the payments would be added and taken off the account till the balance of XXXX. 

Capital 1 not only broke the agreement, but then is trying to sue us for the amount.
Consumer complaint received 2019-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.
Consumer complaint received 2024-03-12
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. (IL)

Transunion and XXXX are reporting an account from XXXX XXXX XXXX after an initial investigation was done this false and inaccurate account remains on my consumer report reporting by specifically XXXX and Transunion. 

According to report number XXXX XX/XX/year> accounts was disputed with Transunion XXXX XXXX XXXX and XXXX. XXXX has deleted account belonging to XXXX XXXX XXXX Transunion and XXXX has continued report false and inaccurate information after their investigation and was found verified. This is a violation of federal law and I asked to have the CFPB to look into this matter to have this issue resolved and for Transunion to have this account removed from my consumer report promptly. 

Thank you Sincerely XXXX XXXX
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (MI)

Dear Sir, I have received a letter from Chase that there is account on my name, which was numbered was " XXXX '', I do not have any business with chase on any kind of loan or insurance, there were two credit cards ( ending XXXX  and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the CHASE CFPB Complaint IDs XXXX,XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with chase at all. All of sudden I received the letter from chase that there is a account 'XXXX  ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account 'XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called 'XXXX ( Home Equity of Chase ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against chase and account number 'XXXX  ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account 'XXXX  ', file a complaint against chase, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with chase and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with 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. Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX XXXX XXXXXXXX XXXX Account # 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 XXXX 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 XXXX years. 

XXXX5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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. (NY)

in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX credit services was a account charged off put in collections and resolved. XXXX has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXXXXXX XXXX ). Last update was XXXX. The files show XXXX XXXX reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Consumer complaint received 2023-02-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio Dept of human S : 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 2019-12-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, Experian, XXXX  had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to Experian, XXXX, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX  XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( 11-27 $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with XXXX late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

This is a follow-up to my previous multi-part complaint submitted on XX/XX/18. As I explained in that complaint, when buying some XXXX airline tickets on line, a popup invited me to apply for a XXXX XXXX XXXX card, with an offer of XXXX bonus miles and a {$200.00} airline ticket credit if the customer spends {$3000.00} within 3 months of card account opening. I complained that I did not receive these bonuses, that the advertising was unfair and deceptive, and that the company 's complaint process required me to keep calling back and strung me along for months. 

The American Express response XX/XX/18 addressed only 1 part of my complaint -- telling me that I did not receive these bonuses because I was a previous cardholder. 

The response was silent regarding the unfair and deceptive advertising to sell me this product. My complaint said that, while American Express had no intention of paying the bonus miles and airline ticket credit to customers who previously had the XXXX, they did not disclose this up front to the customer. This led me to apply for a Card for no benefit to me. I have recently received a Card offer from a competitor, XXXX, that states clearly in the advertisement the bonus eligibility requirements. Why didn't XXXX do this? It led to a lot of trouble and harm in my case. I purchased a ticket at a higher price than I thought I was paying ( due to not receiving the ticket credit of {$200.00} ), and caused another unnecessary credit inquiry. 

The response from American Express was also silent regarding my complaints about their cumbersome and unhelpful complaints process. Specifically, I said in my complaint that the company does not directly respond to customers who complain. Instead, we are told to wait 6-8 weeks and call in to find out the status of our complaint. 

I am attaching the XX/XX/18 American Express response documents for reference. 

Please kindly respond directly to these complaints. 

Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.