davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

I had many fraudulent charges on my PayPal account. Someone had used my card fraudulently and I had contacted PayPal about this. I got a new card and they opened cases but all of my cases were denied. This is unfair because its money I world hard for
Consumer complaint received 2022-12-31
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)

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (CA)

I received 2 gift cards from Macys for items that were returned. Both cards had the amount of {$170.00}. The cards were issued in XX/XX/20 at XXXX. I tried using the cards and the cards had a XXXX   balance. I contacted customer service and they tell me that I used the cards already. This is not true
Consumer complaint received 2020-04-01
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. (FL)

I believe I have been victimized by identity thieves and they have stolen my whole identity. I don't check or use my credit often but my son checked it for me and saw it was completely destroyed. When he showed me all the accounts that were reporting as belonging to me I nearly croaked. Please help me get to the bottom off this and rectify this more than serious matter. These are hard time and I could use the help with my credit to buy groceries and basic necessities now that we are no longer working. Please help us. Thank you.
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc. (CA)

I HAVE CONTACTED XXXX/UNITED LEGAL GROUP/XXXX/CREDIT COLLECTION BUREAU AT XXXX XXXX XXXX XXXX XXXX REQUESTING WHAT THE DEBT OWED IS FOR AND THE CUSTOMER SERVICE REPRESENTATIVE @ XXXX SAID THE DEBT OF {$30000.00} ACCOUNT # XXXX I ASKED WHY I OWED THIS AMOUNT IN COLLECTIONS THE REPRESENTATIVE SAID I LEFT THE PROPERTY DAMAGED! I REQUESTED PICTURES AND RECIEPTS OF SUCH DAMAGES THAT HAVE BEEN MADE AND XXXX REPRESENTATIVE SAID SHE WILL NEED TO SPEAK WITH XXXX XXXX XXXX XXXX AND CALL ME BACK. SINCE LAST MONTH IVE CONTINUED TO RECEIVE CALLS FROM DEBT COLLECTORS BUT THEY HAVE FAILED TO PROVIDE ME WITH ANY DOCUMENTATION OF WHY I OWED THIS BALANCE IN COLLECTIONS. THE OWNERS OF THE PROPERTY XXXX XXXX XXXX XXXX XXXX HAVE FAILED TO RETURN MY SECURITY DEPOSIT AND HAVE NEVER SENT ME A SECURITY DEPOSIT DISPOSITION LETTER FROM WHEN I MOVED OUT OF THE PROPERTY ON XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (TX)

1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.
Consumer complaint received 2020-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My issue concerns a collection account held by Portfolio Recovery Associates and one which I have previously disputed in order to get documentation as to it's authenticity as outlined in the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 
All previous disputes have gone unanswered. All disputes have been stamped meets FCRA requirements with no actual diligence in meeting said requirements. 
To date, I have received no documentation nor have my disputes been meet with transparency. 
It is my hope that this agency can step in to help mediate this matter and force the collection debt buyer to comply with my request as outlined in the above stated laws. 
I have no knowledge of the account as reported and wish for a thorough investigation so that this unknown item no longer appears on my consumer credit files as it does now.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maximum Title Loans, LLC (AZ)

Maximum Title Loans will call over and over and over multiple times in the span of minutes. Today they called 3 times in a row and XXXX XXXX, then called my work and left a message with my boss. I have asked them repeatedly not to contact me at work as I am not allowed to have personal calls at work, yet they continue to call me at work. I thought it was illegal to contact someone at their workplace after you have asked them to stop.
Consumer complaint received 2020-04-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I have called you guys back and left a voicemail since you guys been trying to called me and yes i did left you guys a voicemail, and i'm not sure why This credit card company isn't calling me back anymore when i'm trying to reach out to you guys ... ... and now they are re charging these frad transaction back to my account and when it clearly stated that we as a customer shouldn't be responsible for these transaction but usaa aren't doing their job!! USAA needs to keep their word and do a better job, who ever handling this situation isn't doing a good job. nobody should bank with this company if they are acting like this ...
Consumer complaint received 2020-04-01
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: JPMORGAN CHASE & CO. (WI)

On XXXX XXXX, I looked into the cancellation policy of a flight I ordered through Chase 's Ultimate Rewards portal. There was a dedicated web page set up for COVID-related cancellations ( see attachment for the full page wording ). 

https : //travel.chase.comXXXX ( You must log in to a Chase Ultimate Rewards account to see the page. ) Included on this page is wording as follows : " If your itinerary does not qualify for full reimbursement or if we need additional information, we will contact you. '' This wording made me comfortable with submitting the form, as I wanted a full refund, but did not want a partial refund or other strings attached. I was confident, based on this wording, that I would be contacted if a full refund was not available, and I could then decline at that time. 

About five minutes after sending the request, I got an email, which is attached. The main part of the email read : > We have issued an airline credit for your flight > You are receiving this email as either your airline has cancelled your flight, or it was noted that you did not take your trip as scheduled because of the current situation related to COVID-19. No need to call us, we've got you covered. Your safety and peace of mind  are of utmost importance to us, and we want to let you know we have issued an airline credit for your flight. 
> > All the details of your airline credit, such as traveler name, amount, and expiration date, will be emailed to you in a confirmation email that you will receive soon. 


This is precisely what I thought I was avoiding from the wording on the cancellation request form. 

I tried to call Chase that day, but when I get through and enter my itinerary number, I get an automated response that says my call can not be taken because my travel is farther than 7 days away. 

I then asked for resolution on XXXX later that day via @ XXXX. They offered one response that did not acknowledge the actual problem with Chase 's cancellation page wording, and will not undo the cancellation. 

As a result, I now have a {$460.00} XXXX voucher, but using it to reschedule will charge me {$400.00} in change fees. Again, this is exactly what I was trying to avoid, and if I knew this was a possibility, I would not have submitted the cancellation.
Consumer complaint received 2020-04-01
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2020-04-01
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)

The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

After learning of Wells Fargo 's criminal activities ( XXXX  XXXX ), I paid off my WF credit card and quit using it. This was years ago. When they sent me a new card several years ago, I did not activate it. Eventually I got around to closing the account some time in XXXX ... but I don't have anything in writing. I went into the branch and did it. After many months of no contact, they began emailing me again. 

XXXX XXXX, XXXX, Wells Fargo sent me a promo email " You may be eligible for more purchasing power. '' I wrote back and said " I believe I closed my account with you long ago. Please confirm. No answer. 

XXXX XXXX, XXXX, Wells Fargo sent me an email to say my card was expiring soon ( this has to be the one I never activated ). Around XX/XX/XXXX : First I called to say I cancelled this card ; the person I was talking to wanted all kinds of PPI and then it finally occurred to me that this could be a phishing email, and if it was I'd taken the bait. I forwarded the email to the Wells Fargo phishing report email address and explained the situation. I closed with " If it actually was Wells Fargo I talked to, I hope someone from that company lets me know. '' No answer. 

-Around XX/XX/XXXX I got a credit card from Wells Fargo in the mail. I looked up " Wells Fargo Account Fraud '' and found this on XXXX : " Wells Fargo clients began to notice the fraud after being charged unanticipated fees and -- receiving unexpected credit or debit cards -- or lines of credit. 

So I received an unexpected credit card, long after closing an account. Is Wells Fargo committing one of its crimes again?
Consumer complaint received 2020-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal has locked my account and frozen over {$1000.00} in there. They said some of my activity sending money to friends was suspicious. They asked for my bank account info, drivers license and a description of the charges, all of which I have provided. 

They sent me an email saying they would take 5 days to review my account. 5 days???? In a major crisis? I have had this paypal account for 20 years, and it is absolutely outrageous they would arbitrarily freeze my funds especially now. I can't transfer the funds out. Even if the suspicions were founded they do not have the legal right to freeze my funds.
Consumer complaint received 2023-01-01
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. (KY)

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 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

Charges : {$270.00} and {$350.00} This dental office is incorrectly charging me for services not provided. My son had dental work done but ended up not needing anesthesia, however, the office never corrected the charges and has resulted in these bills being sent to collection. I've spoken with the office numerous times but the billing never got corrected.
Consumer complaint received 2020-04-01
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Consumer complaint received 2020-04-01
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TN)

This company is reporting inaccurate and conflicting information on my credit on my credit report to reporting agencies. They are reporting the following information to Shown as a collection account in both XXXX   and XXXX but an opened account in XXXX   XXXX. Date Reported XXXX. Status as Open Original Creditor 01 XXXX XXXX XXXX XXXX XXXX. Opened Date : XXXX Date Reported XXXX. Original Creditor. XXXX XXXX XXXX XXXX. 
Opened Date : XXXX XXXX Reported Date XXXX Midlandcre ActXXXX # XXXX. {$660.00} Past Due. Opened Date XXXX Individual Account. Date Opened XXXX XX/XX/2020 past due This account is also on my reprot from XXXX XXXX as a collection account