davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (PA)

Contact was made to PayPal Credit regarding charges to our PayPal from XXXX that was not authorized. We made contact in XXXX who stated they were placing a freeze on the account while it was being investigated. We tried to access our account to see if the matter was resolved and saw a credit of roughly around {$120.00}. We called to find out what this was for and was told they investigated it and gave us credit for what we had paid on the disputed charges. We asked several times if that balance was ours to use. We were told several times yes. The balance was used and we continued on using our account, paying the balance in full until we saw 3 charges of {$75.00} with a description of XXXX. After being on hold for 45 minutes, speaking to a young lady who told us we were double credited. We advised we were told that was our money to use. When asked for the date and notes from that conversation, we were placed on hold and transferred to the Fraud department. We spoke with XXXX who did not give a last name because they do not give out last names and stated she was an account manager. She explained it was credited to us twice. I asked for her to look at the conversation we had in XXXX and she claimed she did not see it. She stated we may have spoken to another department however the notes from other departments are not in the same system or can be seen by her. She claimed she was the highest person in charge and no one else she could transfer me too. PayPal claims they over credited us after telling us that was our money to use and now almost 2 months later they are charging us back. I think it is not fair to charge us for a mistake made by PayPal and XXXX was not helpful at all. We want a clear breakdown and explanation of the charges. We can not see everything properly because of the freeze placed on the account and it being transferred to a new account. At least that is what was explained to us in XXXX. I wish for PayPal to own their mistake and not charge us 2 months later after they advise us of the credit and the matter resolved.
Consumer complaint received 2024-03-14
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. (MI)

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.

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 2023-11-30
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)

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors.

Four days has passed in regards to this matter the following accounts have not been removed from my credit report. This is my third attempt regarding this matter. 

Accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) It takes 30 days for incorrect reporting information for a dispute process. It takes 4 days total for identity theft victims no investigation is required for this matter with proper documentation this is defamation of my character and I will presume legal action if necessary to the highest extent of the law.
Consumer complaint received 2020-01-15
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: DISCOVER BANK (CA)

I found out that my identity information was stolen and was opened a fraudulent account by Discover Financial Services. I submitted FTC Identity theft report to the credit reporting agencies and Discover Bank. XXXX, XXXX, and XXXX  have deleted this fraudulent account from my credit report, but recently, I discovered that XXXX credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC (NJ)

Somebody named XXXX from XXXX and phone number XXXX keeps calling to try and collect debt. She does not say what the debt is in relation to, and they have not sent me written notice of the debt. I have no unpaid debt and am not behind on payments for my mortgage, so this call is not legitimate.
Consumer complaint received 2022-02-22
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. (MI)

n accordance with the Fair Credit Reporting act 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 2022-07-13
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. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, XXXX
Consumer complaint received 2023-02-11
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. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX  Account Number : XXXX Late Closed XXXX XXXXXXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX factual data inquiry All of these are inquiries were reported to my credit without authorization!
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, 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. (FL)

On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  apparently to get me a better rate.
Consumer complaint received 2020-01-14
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. (SC)

THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am name is XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00}
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX XXXX XXXX at Discover XXXX XXXX has committed XXXX violations, placing paid payments for a few Months trying to maliciously sabotage And reset the XXXX year claim on a charge off account and has not answered to that complaint at all and he had discover card have their fake XXXX firm slash collection agency threaten me with a letter demanding over {$1000.00} more than I owe discover card and has not responded that complaint either he keeps lying and closing the cases as a duplicate.
Consumer complaint received 2020-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

In 2011 we assumed a loan from Loan Care for our current home. This was a seller financed home and the loan was being serviced by Loan Care. It was required of us that we seek our own financing. They wanted us to find financing quickly, however shortly after moving in my husband was diagnosed with XXXX and our focused turned to his treatment. I recently got a refinance and paid the loan off. When the lender requested a pay off it was noted that there was a XXXX XXXX early payoff penalty that was never disclosed to us. We never received a promissory note. Only an addendum noting that we assumed the loan. I have done much research and found out this is illegal. I am requesting that we get that money back since it was included in our payoff total. Owner name XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 2020-03-08
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: ENCORE CAPITAL GROUP INC. (TX)

Filed a written account dispute claim with XXXX  that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX Visa/Midland Funding, LLC debt  collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from XXXX  and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with XXXX  to see what the results, if any, had been provided. According to the XXXX  dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, XXXX, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect XXXX, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (CA)

I filed a dispute with the card company because on XX/XX/2019 many ATM withdraws started happening that were not mine. over {$2000.00} was taken from my account. This might not be large amount of money for some people but to me it was the bulk of my life savings. I filed a dispute with XX/XX/XXXX and they said they would investigate. Today I got letter stating they are not returning my money. Below is a  letter that I emailed them today which will detail for CFPB the exact issue that this was clearly fraud or an inside job at the lender to steal my money. 

Letter sent to XXXX XXXX XX/XX/XXXX via there email portal is below ( cut and pasted ) .. 

I am asking you to please read this email and re-evaluate your decision on this dispute. Look at all my prior history of my account since I opened my account and you will see I don't go to ATM 's very often if ever, I always go to XX/XX/XXXX( your store ) to remove money directly. Also I never remove money at ATM 's in XXXX XXXX as is my understanding were these withdraws were made. The ATM card and its pin have only been in my possession this tells me that its either a data breach on you end or inside job from someone in your company. If this money is not returned to my account I fully intend to file a complaint with the Attorney Generals office in California and also the Consumer Financial Protection Bureau. If you read the details below you will see this is fraud based on location, prior card usage and the XXXX charge that started this whole thing. I want my money return or I will seek damages. 

Fraud Charges are as follows : 1st charge {$1.00} on XXXX on XX/XX/XXXX at XXXX CT, Not mine 2nd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not mine 3rd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 4th charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 5th charge {$83.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine I made the charge at XX/XX/XXXX XXXX XXXX restraint {$11.00} on XX/XX/XXXX at XXXX CT, I could not have possibly drove from that XX/XX/XXXX ATM to the XXXX XXXX reastraunt in that time frame. This is impossible with traffic the way it is in XXXX. That should be a huge red flag to you showing I did not make those ATM withdrawls. 
The next Charge is at XX/XX/XXXXfor {$21.00} XX/XX/XXXX at XXXX CT is my charge. 
The next charge for {$15.00} is mine on XX/XX/XXXX XXXX CT The next charge for {$11.00} is mine on XX/XX/XXXX at XXXXCT The next charge for {$8.00} is mine on XX/XX/XXXX at XXXX CT Then the fraud starts in again in XXXX XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$200.00} Not Mine ... 

I have not had a response to this email to them. This is fraud and they know it but won't return my money.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

I have been calling Barclay since XX/XX/2021. Including today. My payment in the amount of {$3300.00} was drafted twice from my account of XX/XX/21 I have been fighting to get that money back. Every time I call I get told something different. From too bad you don't get it back, the check is in the mail, it will be credited back to your credit card as a credit, it will be re-deposited into my bank. Today when I called they didn't even have my case number on file. I am frustrated. That is a lot of money for them to not return Any help would be appreciated. XXXX XXXX