davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CO)

On XX/XX/XXXX at XXXX, a charge hit my account from XXXX XXXX  for a total of XXXX using my virtual card which Ive never even personally used myself. 

Immediately after noticing this, I filed a dispute with the bank company I use called Current. They asked for the information of the transaction and the reasoning and said it could take up to 90 days to come to a decision. Which would have been XX/XX/XXXX. 

I waited PAST the 90 days and reached out again on XX/XX/XXXX to get an update as I was pretty frustrated that I didnt receive any updates on it and my app was saying that I had an open dispute for months. I got this response from the customer support chat agency, Thanks for waiting. I looked into this for you and confirmed that the investigation on your dispute claim has been completed. The facts of the investigation concluded that there was no error found and therefore, no credit will be issued to you. 

I informed them that I didnt authorize the transaction and that was the problem and they stated for me to contact the merchant which I did decide to do on XX/XX/XXXX. 

The merchant sent this response Hello XXXX, Thank you for contacting XXXX. 
During the month of XXXX, we had an influx of emails from different people in the united states who had the exact same charge as you. These charges only affected people who own virtual cards. I regret to inform you, while these fraudulent charges have our name, they were not made by us. 
In this case I would recommend continuing the process with your bank to have these charges removed. 
Kind Regards, XXXX XXXX Client Services After contacting my bank AGAIN on XX/XX/XXXX, basically restarting the dispute because they closed it and they told me that the ex needed email communication/confirmation from the merchant so I forwarded my email from the merchant that stated they had that issue in XXXX. The bank support agent stated that they cant use that because I provided it in my previous dispute which was denied. 

Ive tried calling my bank and they do not have a customer support phone number, just the support chat via the app. I even asked the chat agent for a number and the number they gave me was a fake number that doesnt even call out.
Consumer complaint received 2022-03-18
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. (MN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

I have two loans with Sallie Mae. On Tuesday, XX/XX/XXXX I called them to say that I didn't have the payment ready yet. I asked if I could be taken off their automated calling list and they said they would do that. The next day I get an automated call, and I explain to them that I said on Tuesday that I wished to be placed on the do not call list. They made a note of it and said they would take me off the list. The calls kept coming however, up to today, Saturday the XXXX. They have repeatedly lied to me, by now saying that I should just block their number, or change my phone number on their website. They also said since I live in California, I need to send them a cease and desist, which was never mentioned in the first call. I have never been harassed like I have been dealing with Sallie Mae. I can not afford a lawyer, and my co-signer is my brother in law who does not have the funds either, and in total it has totally our relationship. I don't know what to do other than going into litigation, or straight up calling the police. I told them I don't have the money yet, but I can pay back eventually, but they don't understand, or even care. I'm on the verge of going insane. And I don't know what to do anymore. 

Thank you for listening.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove all prior work/jobs on my report and old addresses, I am no longer living. Please only use my current and up to date adress.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2016-04-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (OH)

Paypal has restricted my virtual payment account and is holding my funds for 180 days. They state that XXXX of my transactions did not follow policy but fail to cite specific text from a user agreement or terms of service. They claim my funds are being held in case of chargebacks or buyer complaints, however I have not received payments to this account over the past 180 days that would warrant the necessity of such coverage.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (CA)

i got a letter from PayPal inc charging me {$99.00} from nowhere? 
i dont know why they are cahraging me that amount? 
First, i dont have credit with paypal inc second, i buy on XXXX, XXXX but my debit card is charged every time i use it. 
please help me avoid this scam
Consumer complaint received 2022-04-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovate Managed Holdings, LLC (TN)

After filing a complaint and getting the updated information about this account. I sent in the information to both XXXX XXXX XXXX on two separate occasions with the updated balance but this company is still validating false information. I have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data. At this time I was like this account to be deleted from my social immediately, since it goes against the FCRA.
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi, My name is XXXX XXXX. 

I sent a request to XXXX and Experian to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

In XXXX, Shellpoint Mortgage Servicing ( newrez ) was responsible for servicing my mortgage and associated escrow account. As part of my escrow, they were responsible for paying my property taxes, but failed to pay my taxes by the due date of XX/XX/XXXX. As a result of the late payment, I was charged a {$200.00} penalty as well as {$90.00} in interest. 
I became aware of the late payment and charges when I received a statement from the county in XX/XX/XXXX. I called and spoke with the county tax office and they confirmed that both the penalty and interest were the result of non-payment by Shellpoint. I subsequently called Shellpoint on XX/XX/XXXX, specifically mentioned the penalty and interest, and was told that these would be covered by Shellpoint since it was their error. I also sent in a copy of the county tax statement through their website at the request of the representative on the same day. Shellpoint finally paid the property tax on XX/XX/XXXX. They also payed the {$200.00} penalty, but failed to pay the {$90.00} interest. I again called on XX/XX/XXXX and was asked to submit the county statement and a description of the circumstances via email, which I did on the same day. On XX/XX/XXXX, I received a response later stating that they paid the property tax and tax penalty, but make no mention of the interest, which was the sole subject of my recent call and written inquiry. 
Having performed due diligence and given the company several opportunities to remedy the situation without appropriate response, I am hoping the CFPB can help settle this manner.
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX has assigned a collection to my name for a rental property that I have not leased from in over ten years. In addition to the previous fact, the {$1500.00} collection is assigned to someone under my name but with the wrong date of birth. Due to the error in reporting I have been denied housing multiple times and have wasted so much time and money due to application fees, storage, lodging. I have disputed the error and contacted the companies ( leasing office ) and have verified the debt does not belong to me however they are still reporting this debt and I am unable to obtain housing because of it. The debt is being reported on Rent Bureau through Experian. Ive disputed these charges informed them that the information is not mine, the birth date or social security does not match the my profile. Despite these efforts no one will remove this and Im being forced to go through extensive hardships to obtain decent housing.
Consumer complaint received 2015-04-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (AZ)

United Security Financial Corp has selected " XXXX '' to service our VA mortgage after years with another firm. We are paid by the govt every XXXX of the month and have been making an electronic payment from our bank on this date throughout the term of the loan. We have NEVER missed or late on a payment. Their agent, XXXX, has now initiated debt collection calls on the XXXX and informed us that they will continue to harass us on the XXXX of every month hereafter.
Consumer complaint received 2021-08-25
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. (CA)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hi, My name is XXXX XXXX. 

I sent a request to Equifax and XXXX to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on ( XX/XX/2024 ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called 3 times in regards to my Capitol One credit card balance. The first time I called, it was to remove a late charge on the account due to my old bank account being closed out. They told me they could not remove the late fee account and I asked for a supervisor and they sent me to a Senior Accountant with Capitol One Name XXXX. He was not able to remove the late fee charge. I went ahead and payed the full balance. On a recorded line, I asked him if the amount on the account is what I need to pay, his answer was yes. So I went ahead to make that payment. The next day, I saw an interest charge in my account for {$6.00}. I called Capitol One back and asked why there was an interest charge on the account. Throughout this entire process, not one single presin has notified me that there would be a interest charge after paying off my balance on the next statement. Then, I asked for a supervisor and another Senior Accountant from Capitol One name XXXX looked into the account. She did not resolve the issue and she was extremely rude. I am hoping that this case will resolve the issue and better help other credit card holders with Capitol One not to be misled.
Consumer complaint received 2022-04-16
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, LLC # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # 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 2022-04-16
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, LLC # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions