davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/ my personal PayPal account was limited and my funds withheld without explanation or any way to resolve it. It was the day after receiving my tax refund. These types of limitations occur on business accounts and I don't have a business account and I have never sold anything on PayPal or have received payment for business dealings. I receive my paycheck with direct deposit through PayPal and have done so for almost a year. I have repeatedly contacted PayPal by phone and message about this and how I can resolve it but I haven't been given any explanation whatsoever. On XX/XX/2023 when my account was frozen I was told from customer service that I would hear back from them within 72 hours about a review of my account and it's been over a week and I have bills to pay and my electricity is about to be cut off. I have never violated the user agreement or the terms of service.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier MC account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to inquire about a billing issue THAT IS NOT related to this complaint. I was connected to a Customer Service Supervisor named XXXX who informed me that Synchrony has issued a new Account Agreement in XX/XX/XXXX. I requested a copy of the new agreement and the customer supervisor promised that it would be sent by XXXX mail within XXXX weeks. A recording of the conversation with customer service supervisor on XX/XX/XXXX was made. 
I have not to date received the copy of the Credit Card Account Agreement although it has been more than five ( 5 ) weeks since I spoke to Synchrony Customer Service.
Consumer complaint received 2023-03-07
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: SYNCHRONY FINANCIAL (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my Rigths. 

15 USC 1681 Section 602 states I have the Rigth to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AR)

I've always been able to make my mortgage payment online to village capital through their website. In XXXXXXXX XXXX XXXX I went online to make a payment and it told me that the option had been removed. I called the services number on the statement and waited on hold for over 2 hours and eventually opted to have them call me back. I never received a call from them. I continued to call them for the next several weeks, never able to reach anyone. I mailed in the payment to the address on the statement, it took them 45 days to credit my account. I mail my payments in and they hold them until it's past the due date so it accumulates late fees. Now they are returning the checks and say I have to pay a minimum to reinstate my mortgage. Trying to get ahold of them to figure this out has been unsuccessful and I feel like they are trying to force me into a foreclosure or refinancy/modification situation to up their profits.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (WI)

Over 2 months ago ( XXXX XXXX XXXX  ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00}. ( XXXX XXXX XXXX ) In addition, by law medical bills under {$500.00} should not be reported to the credit reports. 
I have not heard back from them nor have they removed anything from my reports.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Between entering into a real estate transaction and the actual closing, the Attorneys e-mail address was purportedly hacked. The Attorneys name for the closing was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. His contact information is XXXX ( XXXX ) XXXX and ( XXXX ) XXXX. 

The total wired funds from USAA ( {$30000.00} ) and XXXX XXXX XXXX XXXX ( {$39000.00} ) were in the amount of {$69000.00}. Both banks indicated having received red flags over the wire transactions. 

The Attorney ( XXXX XXXX ) indicated in an e-mail that he was filing a claim with his insurance company ( this may or may not be true ). 

On XX/XX/22 a partial payment of {$3000.00} was returned to me from USAA. I spoke with USAA over the phone about this several times and each time was told to contact the receiving bank ( XXXX XXXX ). XXXX XXXX refused to give me any information since I am not a client with them. USAA indicated over the telephone that the {$3000.00} was made by XXXX XXXX XXXX from account ending in XXXX. 

The address and contact information for USAA is XXXX XXXX XXXX. XXXX XXXX, TX XXXX USAA ( XXXX ) XXXX XXXX A series of telephone calls between USAA and the receiving banks resulted in USAA telling me that the remaining funds in the amount of {$26000.00} would not be recovered. XXXX XXXX XXXX XXXX returned the total amount ( {$39000.00} ). 

I believe USAA should pay me the {$26000.00} ( like XXXX XXXX did ) as this was a fraudulent event. This fraudulent event was reported at the XXXX Police Department and has a Case Number of XXXX. I also have a copy of a IC3 report with the FBI.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-03-08
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)

On XX/XX/2023 I request for wrong spelled names and inaccurate addresses to be removed for my credit. I never heard a response back. I sent a follow up letter via certified mail on XX/XX/2023 and have yet to hear back or see miss spelling of name in correct address even last 4 of social inaccurate removed. I would like to know when this can be fixed I even tried calling and unable to get through
Consumer complaint received 2023-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc. (OH)

Today, I.C. System, Inc. placed an erroneous {$86.00} XXXX XXXX cable bill as in collections on my credit report. I spoke with supervisor XXXX today. I explained this is a mistake because I always paid XXXX on time every month via enrollment in auto-pay. And, I never received notice of any issue. I cancelled service in XXXX, XXXX at my XXXX, OH condo. When the condo was sold in XXXX, XXXX, the title agent and buyer 's representatives confirmed all utilities and bills for service of any kind at the condo were paid in full at time of closing. XXXX said she would " make a notation '' of my dispute. Otherwise, I.C. System will not initiate any formal internal investigation or do anything to ensure compliance with the Fair Credit Reporting Act, Fair Debt Collection Practices Act or the Ohio Consumer Sales Practices Act. XXXX also refused my request to go up the chain of command and have a person with authority to act call me. XXXX also said that per her review of my account, I.C. System never mailed anything to me at my current physical address in XXXX, OH via ordinary, certified, priority or first class mail. I advised that as a commercial litigation attorney, I may file a lawsuit in Federal Court in XXXX, OH as this matter will adversely affect my current plans to apply for mortgage pre-approval.
Consumer complaint received 2019-10-12
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: The CBE Group, Inc. (CA)

Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything at all.
Consumer complaint received 2023-02-20
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: CITIBANK, N.A. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-02-03
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (GA)

Since XX/XX/, I have been receiving calls from Associated Credit Services. The calls are coming from XXXX. I always receive a robocall voice telling me to return their call at XXXX. I wasn't even aware they were a debt collection agency until I called them back. They asked for my name. I told them that I didn't feel comfortable giving that out, and they simply hung up on me. This happened several times until I was able to speak with a supervisor. He confirmed that I did not owe any debt, but said they could not take me off their contact list ( he refused to state why ). Some workers I spoke with told me that I had been taken off the list. Others said I was never on the list to begin with. Yet another employee told me they don't even *have* a list. 

In total, I had to call around 7 times before a XXXX assured me I would not get any more calls. I do not trust this and feel that I will continue receiving calls for a debt I was never even associated with.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors : 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting. 

I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX my Amazon Store Credit Card was used to purchase two XXXX gift cards, one for {$70.00} and one for {$44.00}. These purchases were reflected on my XX/XX/XXXX statement. I contacted both XXXX and Synchrony Bank, which processes XXXX charges and payments and advised them that I did not make these purchases. On the same XX/XX/XXXX statement I was given credit for these purchases. See the following pdf file. 
XXXX XXXX XXXX XXXX XXXXXXXX % XXXX. 

On my XX/XX/XXXX statement from Synchrony Bank I was again billed for these two transactions. I was advised by Synchrony bank that it believed that I had made the purchases as there was no proof that I did not. Its representative advised me to contact the FTC. I did so and was advised that it could not help me and to contact your agency which I am now doing. I did not make these purchases and should not have been charged for them. Please advise.
Consumer complaint received 2019-08-08
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)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX I was switched from a store charge to a Master Card w/o my knowledge or consent from another provider. Causing my Bill to get messed up. When I found the auto payment options messed up from my bank I filed a dispute with them and have yet to heard back. I spoke to the charge company and cleared up the past due amounts about a month ago and explained I also couldn't get into my account and didn't have a card. The took the payment fine and then magically the call was disonnected. That was over a month ago the whole time I have been locked out of my account unable to initiate automatic payments and they will not assist me to get logged into my account until I receive the credit card which they keep not sending me. The state the need the CVV code in order to help. When I ask why she just puts me on hold. This is an impossible situation. I will likely be cancelling my card. I have been a sears card holder for years. The customer service representative pretends to transfer me to a supervisor and comes back every 5 minutes to let me know that the supervisor is helping someone else. NO offer of a call back nothing. Still won't tell me why I have to wait for the new card. NO answers just a game. Still on this phone right now for over 25 minutes holding and being threatened she will disconnect the call.
Consumer complaint received 2023-03-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN PACIFIC MORTGAGE (IN)

SEE ATTACHED - I WANT TO ADD THAT WHEN THE LAST OF THE DOCUMENTS(Tax Returns, see attached) REQUESTED BY THE LENDER/ SERVICER WAS RECEIVED ON 1/19/22, THEY HAD NEVER SENT ME AN UPDATED LIST ON DOCUMENTS THAT WE "RECENTLY" NEEDED.