davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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 (CT)

XXXXPayPal Credit/Synchrony Bank has failed to credit a refund of a returned consumer item that I purchased and have documented proof. 
I purchased an air purifier from the XXXX company ( order # XXXX ) using PayPal Credit ( Synchrony Bank Funded ) on or about XX/XX/2020 for {$590.00}. The item did not work when delivered. A provisional credit was provided on XX/XX/2020 that brought my account to a {$0.00} balance. On XX/XX/2020 the {$590.00} charge was reapplied to my account. I still had the item and was waiting for instruction on how to return. I again contacted PayPal Credit and informed them of the situation. On XX/XX/XXXX another provisional credit of {$590.00} was applied to my account, again bringing my balance to {$0.00}. 

In time I managed to get a prepaid XXXX  label from XXXX and returned the item. 
The XXXX label tracking number XXXX was used and the item returned. XXXX received the package on XX/XX/2020 at XXXX XXXX  in XXXX, Il. 

Sometime in mid/late XXXX I contacted PayPal Credit again to find out what was going on with my refund and I was told that the dispute had NOT been found in my favor, even though the item was returned, and my balance was {$590.00}. This i immediately disputed, again. 

On XX/XX/2020 I checked my PayPal credit account hoping to find my balance had been brought to {$0.00} only to find that not only had the {$590.00} still there but I had additionally been charged another {$590.00}. My total balance in the account is now {$1100.00}. 
On XX/XX/2020 at approximately XXXX XXXX  EST I spoke to a representative at XXXX who did in fact tell me that they had received the item and that I would be receiving a refund. On XX/XX/2020 I received an email from XXXX XXXX from XXXX customer service that stated Good Morning, this is regarding crediting your PayPal account, unfortunately at this time we are unable. This is due to the dispute you that is still open with PayPal. If you close the dispute then we can credit your account, the dispute # is : XXXX. We look forward to assisting you! 
I do not have the purchased merchandise. It has been returned and this can easily be verified. I have not made any other purchases. These charges are erroneous and I need to be made whole.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (IL)

I have attached a copy of the latest report from EXPERIAN. I have previously submitted a police report # stating I was a victim of identity theft. Someone claimed my on their taxes in 2014. I have fraud alerts on my credit files I thought. This report shows SEVERAL addresses I have never lived at around the same time frames but all different locations. How is this ever possible. If EXPERIAN was truly verifying information they would see there are multiple address around the same time and some in different states, this is a red flag. The items Highlighted in YELLOW are the address I have never lived at. These are all VIOLATIONS and shows EXPERIANS consistent willful noncompliance with inaccurately and incompletely reporting fraudulent information that does not belong to me.
Consumer complaint received 2023-07-14
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. (GA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX  BANK XX/XX/XXXX
Consumer complaint received 2022-11-06
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. (PA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. " TransUnion LLC Consumer D.C. '', is in violation of 15 USC 1692g.They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.Therefore, the following accounts must be delete from my report immediately 1 ) XXXX- # XXXX 2 ) XXXX  XXXX XXXX XXXX XXXX 3 ) XXXX XXXX CARD SERVICE- # XXXX 4 ) XXXX XXXX- # XXXX 5 ) XXXX XXXX- # XXXX The reporting of these account ( s ) are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

The information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-11-11
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)

I lost my wallet in XXXX XXXX XXXX while shopping at XXXX XXXX XXXX and my personal identity items within my wallet has bee used fraudulently every since.It was in XXXX that I first became aware of the misuse of my identity and that accounts were being opened in my name with XXXX and XXXX XXXX.I filed disputes over the years with several credit bureaus over the years when the thieves resurface and begin to use my personal information time and time again.Recently, there has been Unauthorized inquiries with companies such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, 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 2023-05-10
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)

I am writing to follow up on a letter that I sent to Equifax on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2020, I wanted to remove a credit report freeze temporarily at Experian. Because I did not have my pin number, I attempted to get this number using Experian 's website and was unsuccessful. I then called Experian and was unable to get a human being who could explain why I was unsuccessful in getting my pin number or assist me in retrieving it. 

Apparently, Experian only has human customer service representatives for businesses and a consumer is forced to endure endless automated menus which work only if you are reporting fraud, credit alert or requesting a copy of a credit report. At the end of the automated menu, Experian disconnects the caller.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I have applied a Citi premier credit card on XX/XX/XXXX with card ends XXXX. 

The sign on bonus is to spend {$4000.00} and get XXXX thank you points. 

within the next 3month, due to COVID-19, majority bank extends the 3 month requirement to 6month including XXXX, XXXX XXXX, XXXX and XXXX. Citi also followed the rules : Similar to other issuers, Citi is extending the time frame to earn the bonus by three months. 
Eligible Citi cardholders include those whove applied for a new credit card between XX/XX/XXXX and XX/XX/XXXX. These eligibility requirements are the same as XXXX and broader than both XXXX and XXXX XXXX XXXX. 

https : //www.cnbc.com/select/citi-welcome-bonus-extended-citi-prestige-travel-credit/ However, I have meet the spending requirement within 6 month but Citi doesn't honor the sign on bonus. 

I called the customer service on XXXX of XXXX about this case, the customer service said they already acknowledge the issue and fix it, the sign on bonus will honor in the XXXX statement. 

However, when I check the XXXX statement, it didn't show up and I made another call to Citi customer service, now they just emphasize I didn't meet the requirement because I didn't spend {$4000.00} within 3 month.
Consumer complaint received 2022-11-06
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. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX  Account # XXXXXXXX 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 2020-11-11
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. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine
Consumer complaint received 2023-05-12
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (UT)

BSI Financial Services is reporting lates on my credit file. I recently checked my credit and noticed these lates. I had been making my payments a little past due but not 30 days past due because of a custody battle i am currently in the middle of. I have had to pay large amounts in attorney fee 's and was running low on funds. Regardless I had been trying to make my payments asap to avoid these late notations on my credit file. The couple past due payments I was not aware of until I checked my bank account and realized it had not been drafted. I checked my online account and noticed that the payment had not gone through due to a incorrect account number that I was not aware of. I fixed it and sent it through hoping it would go through in time. It takes a while for it to process through the online system so I made the payment on time but it was not processed on time. I had been on time for the past three years and these late notations really dropped my credit scores. I am asking as a long time customer that you remove the late notations as a one time courtesy. I truly did not mean to be late but with COVID and trying to regain custody of my child it has been hard to make ends meet.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (NM)

We sold our property XXXX XXXX XXXX, XXXX KY XXXX with the closing on XX/XX/XXXX. The Title company sent the payoff amount to TCF Bank and the check was cashed by TCF Bank on XX/XX/XXXX, however, the funds have never been credited to our account. I called customer service on XX/XX/XXXX and was told that they had no record of the payment but this could just be because for such large amounts, it is common to place a 5-7 day hold on funds and I was given an email : XXXX to follow up in case the issue was not resolved. I used the secure messaging option in the TCF app to initiate an inquiry on XX/XX/XXXX and included the check number, amount and my loan number but again no resolution was forthcoming. I then sent a detailed demand notice on XX/XX/XXXX to XXXX as instructed earlier and included my account number : Loan XXXX, property address, and amount of the check : {$120000.00}. 
Additionally, I attached a copy of the file check from the title company forwarded to my by the title agent : XXXX XXXX XXXX I asked for a clear resolution and response to the matter by XX/XX/XXXX. On XX/XX/XXXX, another loan payment was deducted from my bank account towards the loan and I received no further response. I followed up with a second email to TCF loan servicing on XX/XX/XXXX, noting that instead of closing the loan and refunding the overpayment I was continuing to have regular payments withdrawn. I also included an actual copy of the check that was cashed by TCF Bank on XX/XX/XXXX providing them with more than ample paper trail to appropriately credit the payment to my account and close the loan plus refund my overpayments. Unfortunately, we have had no response or demonstration of concern or customer service. I am asking for your assistance to appropriately credit the amounts paid to close this loan and refund the overpayments in a prompt fashion. I am very disappointed with the lack of customer service from TCF Bank as well.
Consumer complaint received 2024-06-25
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. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. 
I started taking XXXX  for my XXXX  XXXX   on XX/XX/XXXX. I have been doing XXXX  for 4 years through PayPal, and have had 1 chargeback in my four years. 

On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX  sales money, as well as my payments from XXXX XXXX  work. 

All of this money comes from XXXX  for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX  and XXXX  the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. 

I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. 

They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. 

I have contacted the attorney general of each state I have business in, the XXXX  XXXX XXXX, and will be taking more public escalated actions if this is not resolved.