davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( XXXX XXXX, am into XXXX XXXX and I guide and teaches people on how to do and solve problem relating to XXXX XXXX and I also sell XXXX on how to XXXX XXXX XXXX XXXX  using extruder ) since XXXX XXXX, XXXX  My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

I opened a credit card with synchrony bank guitar center in XXXX of 2021. I was given a credit limit of {$600.00} i have used and paid ever since without missing any payments. Synchrony bank decided to decrease my credit limit for no good reason after I asked for an increase in my credit. I have no derogatory history with synchrony bank. According to the ECOA I am entitled to my credit and can not be denied credit as long as I have capacity to enter into contract. I am being discriminated against when synchrony bank performed unreasonable searches on my name to deny my right to credit.
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation (CT)

Due to previous unemployment and then reduced income and high medical expenses for XXXX life saving operations and the need for mortgage modification, my student loans fell into default after exhausting deferments. I thought my loans were being restructured through XXXX XXXX XXXX. I think I was scammed as the loans are now in collection with Performant Recovery for XXXX. Performant contacted me about a rehab program in XXXX 2016. I entered into an agreement, providing credit card and bank account information. They never took the payments and now are garnishing my wages, 15 % of my income. They claimed they called me about needing additional information and another person claimed that they did not need to call me. They had all the information they needed - and I know this because I re-entered into the same agreement today ( XXXX XXXX ). I knew their process was error prone when I reviewed the listed references they had on file, which I updated. I explained that the error was theirs, for {$5.00} per month under the rehab agreement, and that they never contacted me ... But they did contact my employer who now must take 15 % of my wages under the garnishment. This was not supposed to happen at all. I will now be at greater risk of foreclosure instead of mortgage modification, will not be able to pay for critical medical operations and treatments relating to XXXX, can not pay for school and basic living expenses and I could even get fired because of the garnishment. I believe that Performant Recovery operates in a sloppy manner and in bad faith.
Consumer complaint received 2022-05-17
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/20XXXX 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 XXXXXXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd. (PA)

I received a text message today from the number XXXX stating : " Harris & Harris XXXX , Harris & Harris is a debt collector for XXXX  XXXX. You may now receive texts. View Terms XXXX. To view your account and pay, please click this link : or call us at : XXXX Reply HELP for help. 

Reply STOP to cancel, msg & data rates may apply ''
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (IL)

First Progress BankXXXX XXXX XXXX Bank was my first secured credit card account. When I closed the account they told me I could spend my deposit and theyd send me the remainder in the mail, which is exactly what transpired. I spent about {$170.00} of my {$200.00} and they sent me a check for the remaining {$19.00} ( after all their processing fees ). Then proceeded to charge my card with annual fees and processing fees after I had already closed the account and received my check. Now they claim that I owe them {$170.00} in late fees and processing and I do NOT. I closed the account days before any of those fees were ever applied, I would like it removed from my credit report.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-17
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. (IL)

I disputed an account on my credit report that was not validated or accurate and this company didn't properly investigate the account or send proper validation. The company have failed to notate the account was in dispute. This is causing defamation of my character. This is causing stress in my life I can't get a job or apply for any loans due to this crisis you have hurt the ability for me to obtain credit. I'm sending this complaint on my own behave so treat it as such.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Consumer complaint received 2022-05-17
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. (IL)

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 account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy XXXX XXXX account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I am having trouble with Navient. This is n't my first time. They are demanding that I pay close to {$1600.00} a month for my student loans - a very substantial increase from the {$500.00} I have been paying. I only bring home {$1600.00} a month from my job as a XXXX Team Member at XXXX XXXX. I am lucky enough to still live at home with my parents, essentially with free living expenses, but I do have a car payment, car insurance, and other living expenses I must meet. They will not come to terms with me but rather are hassling my father and aunt who are co-signors on the original note. Neither of them are able to pay what Navient is requesting either. My aunt is XXXX and retired with a very limited income. My father is in his last year of employment before he retires. I am not unwilling to repay my loans but I need to come to an agreement with Navient so that it is an amount I can afford. I borrowed {$57000.00} originally. I have been paying for 7 years and still owe {$80000.00} due to the compound interest. I will never be able to repay them at this rate. I will never be able to leave my parents ' home either to live on my own. Please help!
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC (VA)

I got a loan for a XXXX XXXX from XXXX XXXX for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to DNF associates as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire XXXX XXXX listing in my credit report, but also the collection account from DNF associates. 

( By the way, the DNF balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with XXXX XXXX, DNF associates and all 3 credit bureaus. Please help!
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than XXXX business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit Reporting Act XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2022-05-17
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. (SC)

I have notified XXXX XXXX on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-05-17
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. (SC)

I have notified XXXX XXXX  on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

its a medical bill and a XXXX  phone bill on my credit that don't belong to be they said they was working on the problem then said it was the right information on my account I need this moved asap I don't know what else to do I tried everything