davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

Dear Sir or Madam, I am trying to find help solving a financial issue with PayPal. 

On XX/XX/2022 my cousin XXXX XXXX attempted to pay me back for a loan of {$1400.00}. 
In order to receive the money, PayPal was asking for my Income Tax Information which I declined to provide. I don't give such information to any non governmental agencies because I have been a victim of identity theft before. 

Therefore, since I declined the transaction, I asked XXXX to cancel it and pay me the money in another way such as wire transfer to my checking account. 

PayPal is sending emails requesting that I pay them {$76.00}. 
They do not want to explain why I should pay them for a transaction that was cancelled. And I insisted, I never received the money. 

XXXX, my cousin, was told he needed to pay {$15.00} to cancel the transaction. 

I spoke with PayPal representatives at XXXX and they were only interested in collecting the {$76.00} They were not really interested in helping me. And they could not explain why I should pay for a money that I never received. 

I am kindly asking your help solving this issue. 

PayPal should cease and desist to continue sending emails asking me to pay the {$76.00} I would also like CFPB to add this letter to the PayPal 's file for poor business practices. 

Sincerely, XXXX
Consumer complaint received 2022-05-04
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 Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-18
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. (TX)

EQUIFAX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XX/XX/XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XX/XX/XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : XXXX XXXX XXXX   XXXX AMT. XXXX, XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (GA)

I received a closed-end installment contract account from XXXX XXXX XXXX XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan XXXX XXXX XXXX financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor XXXX XXXX XXXX XXXX , and reported collection past-due balance of {$1100.00} by Spring Oaks Capital LLC XXXX XXXX credit report at the same time. The loan was reported as past due and sold to Spring Oaks Capital LLC but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from XXXX XXXX XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my XXXX credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Consumer complaint received 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. XXXX  would not allow me access to my report. I have been denied credit because of this.
Consumer complaint received 2019-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, I was fraudulently charged for products that I didnt authorize the purchase of. The products showed up on my doorstep several days later. When I saw the products on my doorstep, I checked my credit card app to see if I was charged for the products and found that I was. I immediately contacted my credit card company to report it as fraud and locked my card. I get a letter in the mail saying the charges were put back on my card. Then, on XX/XX/19, I get an alert about a purchase adjustment made to my account. The charges were taken back out of my account, and when I contacted capital one, my credit card company, about this, they said that when they spoke to the merchant that allegedly committed the fraud, the merchant told them it was not fraud. I told them when I filed the fraudulent charge that I had evidence if they needed to see it, and was told to keep it in case it is ever asked for. No one ever asked for my side of the story. How can this investigation be completed with only one side being told?
Consumer complaint received 2020-02-07
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. (CA)

I've reached out to Equifax several times regarding the inaccurate information on my credit report. I was instructed to provide Equifax an fraud FTC affidavit which I've done. I disputed an Item now 5 times since XX/XX/XXXX and everyday I'm been giving the run around from Equifax office of consumer affairs. 

I asked the office of consumer affairs several times for a supervisor or a manger when the call isn't going well and every single time I've been denied a right to escalate the call to a manager or supervisor. They continue to give poor customer service and talk and deal with you in a very rude manner. 

Also Equifax has blocked my online access to log on my credit report and to dispute or check the dispute status online. I feel discriminated and feel like my rights are constantly violated from Equifax. 

I've attached my FTC affidavit to this complaint for record. 

The following items are result of ID Theft : 1. XXXX XXXX 2. XXXX  ( Inquiry ) 3.  XXXX ( Inquiry ) 4. XXXX ( Inquiry ) 5.XXXX XXXX ( Inquiry ) 6.XXXX XXXX ( Inquiry )
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/20, I deposited a check on my Bank of America checking account in the amount of {$3000.00} from a buyer via XXXX XXXX for piece of furniture ( asking price {$1000.00} ). 

I went to a Bank of America near my location and asked them specifically to verify the check. I also explained the situation to them and how I got the check from the buyer on XXXX XXXX. The Bank of America agent made me deposited the check to my checking account and told me to wait for the check to clear. 

The check was clear the next day by Bank of America. The buyer from XXXX XXXX asked me to send the rest of the money back via Check or XXXX. That's when I suspected the buyer as a fraud. 

On XX/XX/20, I observed a {$2000.00} transfer to random ( via XXXX XXXX ) that was pending on my Bank of America Checking Account. I contact Bank of America right away to disputed the transaction but was told by Bank of America agent to wait until the transaction was clear. I contacted XXXX XXXX via email ( no phone number ) to deny the transaction, but was told to contact local Law Enforcement. I contacted local Law Enforcement and they claimed the transaction as fraud and advised me to contact Bank of America in order to get my money back. I contacted bank fo America and they denied my claim two times. 

The check came back as fraud a few days later as well.
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX   XXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I called capital one to let them know I wont be able to make my full Payment if there is a program to help out customer 's in that situation. They transferred me to a accountant specialist. After talking to her and telling her about how they are so quick to charge a high late fee even of your 1 day late. The lady said that they have no power to waive off the late fee, but can work on a payment plan.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX  and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you XXXX XXXX
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Interest rate on second mortgage increased, auto payment was not increased by lender. XX/XX/XXXX. 

Problem was fixed, after intervention by CFPB. 

Negative report was re-added to credit history last month.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Dear CFPB, For four months now, the credit bureaus have been reporting an inaccurate delinquent account on my credit reports. This negative account is being reported as a debt that XXXX XXXX XXXX XXXX claims was owed to them starting in XXXX of XXXX. While I did have a bank account with Grow since XX/XX/XXXX, I moved away from the bank ( local XXXX, FL bank ) and closed the account in XXXX. Absolutely no knowledge or notice of a balance was given to me as the account was CLOSED. I was not notified of a balance, and was unable to login to account because it was CLOSED. XXXX XXXX sent no mail, e-mails or calls to notify of a debt to them or it would have immediately been paid. In order to establish a debt, the consumer must know of the debt and be given a due debt. This NEVER happened. This is not a valid debt and needs to be REMOVED. 

I have reported this debt to Experian twice now and they will not remove the fraudulent account. 

The account number reported XXXX IS NOT the account number I had with XXXX XXXX. I have NEVER opened an account with that account number. This account number is made up, and is further proof of foul play. My account number with XXXX was XXXX ( proof attached-number masked for security ). This account that experian is reporting is inaccurate, fraudulent, and needs to be removed immediately. 

I have sent XXXX a check for the amount they claim I owe in order to just get this off my credit however it is still being reported with three months of late payments, with a made up account number, made up due dates, and without the proper documentation to claim I was aware of or that I acquired this debt. 

( Proof of account number, check payment to XXXX once made aware of this false debt, police report of identity theft, etc. available upon request. ) Thank you for you help with this unethical practice. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC. (OH)

XXXX Billing dept, The reason for my dispute is J P Recovery Services Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, J P Recovery Services Inc. failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) J P Recovery Services Inc. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. J P Recovery Services Inc. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where J P Recovery Services Inc. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. J P Recovery Services Inc.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Opened XXXX {$1000.00} I've reported that this account is not mine. I dont have a account with XXXX at all. I've disputed this MANY times, its been removed many times but still shows up every month. I've contacted XXXX and they told me this account doesn't even exist but this XXXX XXXX XXXX collections says it does. I asked att for a copy of any phones I have, none exist, Account information, None exists. The damaged been extordinary to my credit score for YEARS for no reason whatsoever.

Please resolve this issue. I'd be greatfull, Respectfully XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

My BBVA Compass bank account, ending digits 9591 was frozen due to a mistake I made attempting to transfer monies in my BBVA account to a similar XXXX account. I have been very dissatisfied with BBVA, i.e. poor customer service. I received a call early in XX/XX/XXXX ( XX/XX/XXXX ) from BBVA letting me know the account has been frozen. I let the representative know I made a mistake doing an electronic transfer with apparently prompted the freezing of my account. I very busy at work at the time and requested a return call. I never received a call. I called back on XX/XX/XXXX and requested a call back. Still no call. Today XX/XX/XXXX I called again and spoke to a representative. I was transferred to some fellow named XXXX. I left a message requesting a return call. No call again. BBVA I believe has {$130.00} of my remaining balance. I just want my money back. I am a good customer for BBVA. I had a personal loan for Solar panels on a 4 year term. I paid the loan off in 2 1/2 years ahead of time. I still get solicitations from BBVA even though they don't respect my business. Please assist me in receiving any funds I have left in my account.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that XXXX is in breach of this provision. The following accounts were never reported on my consumer report by XXXX with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 XXXX file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 .Dept of ED XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. XXXX is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; XXXX must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.