davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (MD)

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXXXXXX XXXX acct XXXX XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WY)

I sent money through PayPal that was a gift but PayPal charged a 3.49 % fee-for-service transaction fee. 

On XXXX I sent {$3.00} as a gift to test the transfer. Later the same day I sent {$4100.00} as a gift, but the PayPal dialog box defaulted to " payment for services '' and I did not notice. PayPal charged {$120.00}. 

I filed an online dispute with PayPal on XXXX that was denied on XXXX. Also on XXXX, I called PayPal and spent 33 minutes on the phone with customer service. I ended up with supervisor XXXX at extension/employee number XXXX. She could only say " It can not be done. It is not our policy to issue a refund. '' She said her supervisor was XXXX, that XXXX was not available, that she could not tell me any way I could contact him. She told me to ask for a refund of the {$4100.00} from the recipient through Paypal, but that PayPal would keep the {$120.00} regardless. 

I received a confirmation email from PayPal that the recipient would receive the entire {$4100.00}. This was a false statement from PayPal.
Consumer complaint received 2019-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Genesis Financial & Payment Systems Holdings, LLC (IL)

USA Web Cash submitted an unauthorized ACH for additionally fee from my account. The initial loan was {$1800.00} the final payoff was closer to {$3500.00}. Due to a prior request to move a payment, there were additional fee incurred on the account. 

I spoke with XXXX from USA Web Cash and advised that I was unemployed. I stated that I would contact USA Web Cash to schedule the final balance / payoff. XXXX submitted an unauthorized ACH to my account. Additionally, I was advised by XXXX that USA Web Cash agreement stated that they can arbitrarily deduct this amount from bank account without my permission. 

After filing a complaint with the Illinois Attorney General, I was contacted my XXXX ( USA Web Cash ). He offered to pay the fee back {$80.00} and/or to give me another " low interest loan '' to " help me out ''. Again he stated that USA Web Cash has the right to make an unauthorized ACH from my account.
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MS)

Charges were disputed as I should not have been held personally liable for a business transaction. Since I am being held personally liable, the lease in question falls under the Servicemembers Civil Relief Act the remainder of the lease should be canceled due to the receipt of orders that force me to move from the area. This means I do not owe the debt. The orders and the lease are attached for review.
Consumer complaint received 2022-12-17
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: NAVY FEDERAL CREDIT UNION (GA)

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent Navy Federal CR Union : Account number : XXXX  open date inconsistent and or duplicate account. 
Navy Federal CU : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX  Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends XXXX XXXX, but you have it has XXXX XXXX XXXX XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (IL)

I filed for verification of bankruptcy from XXXX, XXXX, and Equifax. Each bureau states XXXX. However, the XXXX  XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Consumer complaint received 2020-12-18
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. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-05-30
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 XXXXXXXX High balance of {$450.00} from XX/XX/XXXX toXXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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 2022-05-30
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. (CA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

I had opened a phone account with XXXX XXXX in XXXX. I stopped paying on the account in XXXX ( exact date unknown ) when I lost my job and could no longer afford my phone. Eventually, the account went to a collection agency in XXXX I believe. However, my credit report shows the collection account was opened in XX/XX/XXXX but that is not correct. That may be when the account was sold to the current agency, but the account was originally reported in XXXX and therefore, is too old to appear on my credit report. I have disputed this with XXXX several times but the issue remains unchanged. I have contacted XXXX XXXX to obtain only the dates of which I opened my account with XXXX and the date of which the account was closed due to non payment. The representative I spoke with refused to provide this information to me because I was no longer a customer and was told I would need to contact the collection agency with any questions I had. However, if I reach out to the collection agency, this will restart the time for which the account will appear on my credit, another XXXX years. I am submitting this complaint against XXXX XXXX for the fact that they refused to provide me with information pertaining to my own account after providing requested personal identifying information to verify my identity. As a consumer, I should be afforded the courtesy of accurate information requested while investigating my own account information. Instead, I was treated unfairly and spoken to in a manner that was highly disrespectful. I believe XXXX XXXX is withholding information pertaining to my account unlawfully and I want this investigated immediately. Thank you
Consumer complaint received 2022-05-30
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. (CA)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-05-30
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. (IN)

I have been disputing accounts on my credit report for over 90 days and TransUnion, XXXX and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Consumer complaint received 2022-05-30
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)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (MA)

n 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.C.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 2022-05-30
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. (MA)

n 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.C.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 2022-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2021, I purchased XXXX concert tickets to lost in XXXX using my Bank of America credit card. This was a XXXX day concert. XXXX in XXXX vendor failed to respond to my request for refund after on day XXXX of the concert we trampled on, and couldnt safely enjoy the concert. There was lack of security, etc. We were traumatized and didnt feel safe to return. The vender failed to respond. I filed a claim through BANK OF AMERICA, and they added additional injury. A rep in the claims department agreed that vender NEVER provided a refund policy. How can BANK OF AMERICA DENY MY CLAIM STATING I WAS DISSATISFIED and the vender sill had a right to collect. This simply isnt right. 
I HAD A RIGHT TO REQUEST A REFUND given the circumstances. Not to mention again there was no refund policy that could be referenced.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC (FL)

This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/XXXX of this year 2022 they placed it again.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke to Capital One right back in XX/XX/XXXX of this year. I was very disturbed when I found out that they had reported me 30 days late in XX/XX/2018 and then 60 days late in XX/XX/2018. So when I called them, I was told that there had been a balance of {$18.00} on my credit card. I had never been notified of this small outstanding balance and didnt even get any credit card statements. I spendt well over 1 hour, talking to various CSRs and esclating to management, but to no avail. I tried reasoning with them, as why would I destroy my credit for {$18.00}? I have tried dispute through the credit reporting agencies, but nothing happens there also. This is the only thing that is causing a huge hurdle in trying to get approved for a home loan. 

Please help! I dont know what else to do.
Consumer complaint received 2017-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

We obtained a loan on a used vehicle in XXXX. In XXXX, we decided to pay this off early as we had several issues with the bank posting our payments correctly. The payoff letter was received on XXXX XXXX, a check was written that day and was sent to the address noted in the payoff letter XXXX a copy of the letter was enclosed with the check ). The check cleared my bank on XXXX XXXX. It is now XXXX XXXX, and we still do not have a title for the car and have been threatened with repossession. Both my husband and I have already logged complaints on this site. I have had repeated contact with XXXX representatives from the bank and have provided them copies of my cancelled check and bank statements several times. Every time the information is sent, they either claim they did n't get it or ca n't find it or it 's not quite what they needed. The most recent complaints on this site were closed out on XXXX XXXX saying that their " resolution '' was to ask for a copy of the cancelled check without the routing and account numbers redacted. As I said, they 've already received a copy of the check ( routing and account numbers are redacted ) and a copy of the bank statement XXXX account number also redacted ) as proof that the check cleared. Even though I am not a fan of handing out this sensitive information, I faxed the un-redacted copy on XXXX XXXX, the morning after we received the " resolution ''. At this point, I have heard nothing back and my voicemail has gone unanswered. Our car loan has been paid off for XXXX months now, and we are still arguing and waiting.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 7th 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 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 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Fraudulent collections account. 

i viewed an open apartment years ago they then called me about an existing balance I asked them how they couldnt give a direct answer. 

i have never done paperwork business with this company i only viewed an apartment here.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I was payed for a service via personal check. However, I believed I was scammed and my account was closed but I was not informed why exactly it was closed. Another account was opened for me but I was unable to access it. Due to me being locked out of my account, the Chase team members were not able to give me much details on what exactly went wrong and why my account was closed. I don't understand why I was able to open another account but not be able to use it. I have been a member with Chase since XXXX and have never had any issues prior to this. I am a college student that opened the account for my college checking and savings. I'm in the dark about all that is going on and just want to find a resolution. I have no prior history of any company account closures or anything like that.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is inaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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