davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

A check for {$1000.00}, made out to my landlady, was mailed by Citibank via e-check / bill pay to her bank, XXXX XXXX XXXX XXXX XXXX. The check was cashed at a XXXX XXXX branch by someone who faked her signature. My landlady does not have a current XXXX XXXX account. 

My landlady and I went to XXXX XXXX XXXX XXXX XXXX together, and got a letter stating that the check had never arrived at their office. That letter is attached. 

I believe Citibank is culpable. How could the thief have gotten hold of the check without their complicity or negligence? 

Citibank 's handling of this matter has been awful. I have called several times, and never gotten past the call center. I have gone into the local Citibank branch and watched while bank personnel have called, without getting past the call center. 

Thank you for your assistance.
Consumer complaint received 2023-01-15
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. (VA)

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-11
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: SYNCHRONY FINANCIAL (NV)

Hi, On Tuesday XX/XX/2019 there was a hard inquiry from a company that I did authorize nor would I of. I have never heard of them until this day. XXXX XXXX informed me with an alert. The company 's name is SYNCB/XXXX. I called the company and they were of no help other then to say we don't have you in our system or show you have any account with them. Very unhelpful. 
My credit dropped from 760 's to 660 's. I told them this was unacceptable and they didn't want to hear it or help in any way. I called XXXX XXXX and filed a dispute online. XXXX told me it was a " soft inquiry so they couldn't do anything to help me. Per XXXX XXXX it was definitely a " hard inquiry ''. 

Thanks, XXXX XXXX
Consumer complaint received 2018-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

This company has a serve lack of knowledge. Numerous times I have been something and then call them back and be told misinformation. I am trying to pay back my loan faster and they hold my money and say that it goes towards the principle, but their is no principle only option. Then I was told that when I got my taxes to pay the balance that has been holding against and then the loan will be paid off. I do that and then I was told I was misinformed and still owed another {$1200.00}, meanwhile I was told only {$450.00} would close that account.
Consumer complaint received 2023-01-15
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. (VA)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Account Limitation I have been with PayPal since it's inception and have faithfully remained a customer, that is until XXXX, 2020. A tenant of mine couldn't get out due to the COVID-19 lock-down so they paid their rent money to my PayPal account. PayPal flagged my account as " suspicious activity and put a hold on my account. 

This is the message I received : Your account access is temporarily limited. 
Some of your account information is shared with an account that has a problem. Please resolve the issue in the impacted account. If you have questions or know this other account isnt yours and need to appeal, contact us. 
We need you to take action on your account. Some features in your account will be limited until you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
If you're unable to submit the required information by XX/XX/2020 or if we notice additional changes in your account activity, your access will be further limited. 
Oh, yes, my account has been further limited ... ... 

I went to the resolution center and followed the instructions. 
1 ) Change my password. I did so reluctantly. 
2 ) Submit a photo ID : I did so reluctantly. Photo ID : accepted.

3 ) Submit a bank statement. I did so reluctantly.

Statement pending review. 
My bank statement has now been pending review for 2 months!!!!!! I have called every number listed for PayPal, I have sent messages to PayPal and I have received no response yet. I have written the governor of California asking for anything that might help me gain access to literally thousands of dollars in my account that I sincerely need. All I get is recordings that state " due to the corona virus, customer service has been closed. Really??? I am at my wits end..Can anyone help me out here? Please. 
The Paypal corporate office phone number is : XXXX For customer services, you can call : XXXX XXXX XXXX For sales support, call : XXXX. 
However, no one will answer and you can't leave a voicemail.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I received a notice Transworld Systems on XX/XX/XXXX stating that they were trying to collect a debt for XXXX XXXX XXXX XXXX. I disputed the debt via US mail on XX/XX/XXXX but and called XXXX XXXX XXXX as well to verify what the actual charges were made up of and once I got clarification I went into the XXXX store on XX/XX/XXXX at XXXX where I was assisted by the Manager ( XXXX ) and made a payment in full for {$320.00} using my debit card and I was given a receipt. 
On XX/XX/XXXX, XXXX added a collection for {$320.00} for XXXX XXXX XXXX to my XXXX credit report and my score dropped XXXX points. I sent a dispute letter via US certified mail to Transworld disputing this debt and informed of the damages that they did to my credit as a result of false reporting and asked for the collection to be deleted and my credit points restored but never received any communication/response from Trans World. 
On XX/XX/XXXX, TransWorld added another collection for {$320.00} to my XXXX XXXX credit report and it dropped XXXX points. I called XXXX XXXX XXXX  and reported the issue but was told by a male staff on the phone that I had no balance on my account and to seek resolution from Transworld. 
On XX/XX/XXXX, Transworld added a collection for {$320.00} to my XXXX credit report further damaging my credit and leading to several denials for credit for both personal loans and credit card. This time I went back to the XXXX store and spoke to XXXX ( Store Manager ) directly, she called the customer service/billing department but was told there was nothing XXXX XXXX XXXX could do to resolve my issue/concerns as my account had a XXXX balance and they don't know why TransWorld would be trying to collect a debt that was already paid. 
Again on XX/XX/XXXX. TransWorld again added an unpaid collection for {$320.00} for XXXX XXXX XXXX to my XXXX  report and till this very day and continue to damage my credit. TRANSWORLD is so deceitful, unprofessional and have violated the fair credit reporting laws on multiple occasions and still continue to do so by falsely reporting on my credit report and trying to collect a debt that isn't owed and they need to pay restitution for damaging my credit. 
I disputed this debt with the credit bureau but they keep saying that Transworld systems keeps verifying the debt as actual debt. How can that be when XXXX XXXX XXXX were paid in full on XX/XX/XXXX.
Consumer complaint received 2020-06-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.
Consumer complaint received 2019-12-21
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. (CA)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XXXX2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2022-08-17
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. (CO)

Hi I am submitting this XXXX XXXX without 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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2019-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (VA)

I entered on XXXX XXXX in the military on XXXX XXXX, 2019, and will be continuing on XXXX XXXX for at least XXXX years once I finish my initial entry training, per my Service Agreement. 
Prior to entering XXXX XXXX, I took out XXXX personal loans with Upstart. Soon after entering XXXX XXXX I sent Upstart a copy of my orders to XXXX XXXX candidate school. They initiated the XXXX interest rate cap of 6 % on my account. However, as soon as the end date of XXXX Candidate School, which was XX/XX/2019, arrived, Upstart removed XXXX XXXX and said that I needed to send additional orders to continue XXXX benefits. I sent the orders for the follow-on school, however because the orders do not have an end date due to the nature of the school 's length, Upstart refused to reinstate XXXX benefits. I have sent them a copy of my Service Agreement stating how long my XXXX XXXX obligation is, a copy of my Leave and Earning Statement, which states when my projected 'End of Current Contract ' ( ECC ) and 'End of Active Service ' ( EAS ) are ( which are the dates Upstart was requesting ). I was also able to locate a status report for myself from the Department XXXX XXXX XXXX XXXX XXXX, which states that I am still on XXXX XXXX. None of the other companies that I have credit cards, loans, or leases with have given me any issue after receiving my initial orders.
Consumer complaint received 2022-01-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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)

The following accounts are inconsistent and only show on my Equifax and XXXX consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney GeneralXXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXXXXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.
Consumer complaint received 2022-12-02
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove these accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NY)

Mercedes Benz Financial Services ( MBFS ) # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
MBFS previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from MBFS for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an MBFS collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that MBFS had filed a negative mark on us. 
On XX/XX/XXXX we spoke w MBFS who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX confirmed on the same day that they had yet to hear from MBFS. 
We followed up w MBFS on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w MBFS. The MBFS rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w MBFS. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. MBFS suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from MBFS removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.