davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I received a payment refund into my PayPal account on XX/XX/XXXX, attempted to transfer the funds out of Paypal into my external/transactional bank account on XXXX, and received email notice from PayPal on XXXX that the transaction could not go through. On XX/XX/XXXX I messaged with PayPal online to inquire about the issue and the agent advised they would reinitiate the account transfer but I would need to confirm initial deposits in my external account. On XX/XX/XXXX I received notice that the transfers could not be processed. On XX/XX/XXXX I messaged online again requesting a check be sent because I am unable to process a transfer through the account o nline but was told they were unable to send a check. I asked to speak with a manager and they gave me the customer service line. The same day I called customer service and spoke with XXXX who gave me other instructions to withdraw funds from XXXX, however the instructions provided did not work either. I requested to file a dispute and was told they do not have a dispute process. I was told the issue is that I must provide my social security number online in order to set up the account securely, which I am unwilling to do. And because the other options provided did not work, and there are no alternate processes ( ie to send a check to the name and address on account file ), there is no way to withdraw my funds.
Consumer complaint received 2022-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NY)

1. On XX/XX/2022 I received an email from Barclays ( XXXX XXXX XXXX XXXX ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called Barclay again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called XXXX. They also said I should go ahead and file a dispute with FCRA.
Consumer complaint received 2022-03-18
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. (FL)

I never lived at this address : XXXX XXXX XXXX # XXXX XXXX, FL XXXX I tried to remove the address from my report but the company refused to remove the incorrect information.

15 usc 1681i
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2021 I sent notice to Wells Fargo that I was disputing a transaction on my most recent credit card statement The charge was unauthorized and was for {$150.00} on XX/XX/2021 I recived notice on XX/XX/2021 that Wells Fargo started to investigate the notice and that it would be resolved within 60 days. 

It has now since been 99 days, well past the 60-days Wells Fargo 's policies dictate to resolve these disputes and past the 90-days the Fair Credit Billing Act allows for the creditor ( Wells Fargo ) to resolve said dispute.

I have attempted multiple levels of escalation with Wells Fargo call centers, social media support team and executive customer service, all efforts have failed to remedy the issue.
Consumer complaint received 2022-03-18
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. (NC)

In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-03-18
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. (NC)

In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$490.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (NC)

Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (NC)

Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2022-03-19
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. (AZ)

I have an auto loan that was financed in house by XXXX XXXX XXXX XXXX All payments are made on time or within a 2 week period. Payments are made via debit card. Experian is showing late payments more than 9 times. I have never been late. I have disputed this with Experian but they refused to do a proper investigation according to law and just rely on the company word of mouth. If Experian followed the law they would see that XXXX is providing false information. Experian is at risk of having a class action lawsuit filed against them for failure to follow FCRA laws and for failure to conduct an investigation when a dispute is filed.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (CA)

the superlative RM in XXXX XXXX, keep calling and text me about debt I do not owns them, after I blocked them they keep text me, want me to called them. the number they try to call me XXXX, when I log on to my SSI I acount, it shows on there I do not have open account that is collection.
Consumer complaint received 2022-03-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX XXXX  XXXX, XXXX 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
Consumer complaint received 2023-06-09
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. (OK)

In Accordance With The Fair Credit Reporting Act 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
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2022, I made a regular monthly payment to Mr. Cooper ( mortgage company ) in the amount of {$XXXX} which was applied correctly across the categories of Principal, Interest, and Escrow. 

Additionally, I sent a check for {$10000.00} with a payment coupon which was marked ADDITIONAL PRINCIPAL ONLY. This payment was received and posted to my account today, XX/XX/2022. But it was treated improperly and posted to next months XX/XX/2022 billing and applied to interest and escrow instead of all of it going to principal which was clearly requested. Total payments sent this month are {$XXXX} but the balance of my account was only reduced by approx {$9000.00} as a result of this error ( beginning balance {$XXXX}, ending balance {$XXXX} despite a $ XXXX principal payment plus a regular payment ). 

I contacted Mr. Cooper by phone and spoke to a representative who seemed totally confused by my question. She said she made a " correction '' but that it would take several days to take effect. I asked for my new remaining balance to verify the correction and she said she was unable to calculate it. I have checked my online account and no changes have been made. I have no confidence the change will be made and after researching this topic online, have learned this is a common mortgage company practice which is basically theft from the customer. Please help me get this corrected. Thank you!
Consumer complaint received 2022-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (GA)

I bought a car from Ford motor company in XXXXI lost my job and car was repossessed. After they sold it it was left owing {$5000.00} something. 21 years later they're still garnishing my wages every time I get a new job is this legal?
Consumer complaint received 2017-09-09
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. (AZ)

Equifax has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am single never married. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MD)

The week of XX/XX/2022, I received a packet in the mail from CITIBANK that included 40 checks embossed with my name and address for a " Citigold '' checking account for a " XXXX  XXXX XXXX XXXX '' account and a " citi '' XXXX with a " Card Agreement Guide '' also using my name, XXXX XXXX. 

The problem is that I never opened any such account. I have never had a a checking account with Citibank. I had no contact with Citibank. All my checking and savings accounts have been with credit unions for over 35 years. 

I called their " customer service '' ( sic ) phone number on XX/XX/2022 to find out what was going on and to make sure the account was closed. Their agents spoke very poor XXXX and the phone connection was faulty. After several long holds, I was connected to the " Fraud Department, '' where the language problem got worse. I was told that the account would be closed. I called them back on XX/XX/2022 where " XXXX '' ( the " supervisor '' I demanded to speak with ) told me the account had not been closed and that over {$600.00} in charges had been made against it. She then closed the account and told me the " Transaction Number '' was XXXX. She said it was my responsibility to pay any charges on the account and that if I wanted to know the results of their internal fraud investigation, it was up to me to call them back at a future date. She said the account was opened on XX/XX/2022, but could give no details as to how it was opened or whether there is any paper trail indicating if there was a signed application for it. In short, they have no evidence that I ever applied for the account. 

On XX/XX/2022, I received a form letter from Citibank confirming that " your Citi XXXX XXXX XXXX ac count '' had been closed. The letter stated : " Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. '' The bottom line is that this fraudulent account was either opened intentionally by Citibank or a hacker had enough of my personal information to illegally open an account in my name. I requested a letter from them acknowledging that the account was opened fraudulently and that I am not responsible for any charges related to it, but " XXXX '' would not confirm that they would do that.
Consumer complaint received 2022-10-24
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 XXXX  15 U.S.C 1681 section 602A. 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 furnisha 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 follwoing 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 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have new information concerning Equifax 's continued willful non-compliance to perform a reasonable investigation under the FCRA and to protect my personal information as required under the Gramm Leach Bliley Act. 
Fact, I have submitted two request that Equifax cease reporting a bankruptcy that I did not give them authorization to share or furnish. Fact, Equifax responded with a form letter response which the CFPB explicitly dislikes. Fact, the US Bankruptcy court of NJ does not furnish information to Equifax or any other reporting agency. Fact, Equifax has not performed a reasonable investigation into whether or not they have my written authorization to furnish any public record information onto my consumer report. Fact, it is not known how Equifax is obtaining this information. Fact, the furnishing of the unauthorized data caused me to be denied a {$250000.00} HELOC. 
I have questions. 1. Where is Equifax getting the information regarding the bankruptcy? 2. Is Equifax paying for the public record information it includes on my consumer report? 3. Is a company selling my information to Equifax for profit or revenue? 4. Why hasn't Equifax fulfilled it's duty as a consumer reporting agency to ensure there is permissible purpose for the furnishing of the public record on my consumer report. 5. Is Equifax profiting from my public record information?
Consumer complaint received 2022-03-19
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. (CO)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XXXX XXXX, 2022 two accounts were opened with my name, my SS # on line in the state of Virginia with PENFED Credit Union. On the same day, XXXX XXXX, 2022 there were two more accounts opened on line, one savings and one checking, with my name, SS # with XXXX that I have a credit line at their local office in XXXX XXXX Florida. I have cancelled these accounts but who knows what else was opened. On XXXX XXXX, 2022 a request was summited to have my US mail forwarded to another address from XXXX XXXX, 2022 to XXXX XXXX,2022. I was notified of this while I was out of town and contacted the local Post office to stop forwarding my mail, which took them a few days to respond to this request. I contacted the office for Federal Mail Fraud XX/XX/XXXX and made them aware of the Identity Theft and asked them to assist me. I have contacted XXXX, XXXX and XXXX to freeze my credit.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (FL)

I have an issue concerning 2 collections being reported to the credit bureaus in my name. The information is inaccurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin or other history. I received nothing via mail, nothing from an attorney or any other mailed document in regard to this item. 

I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act with specificity to information illegally listed without documentation. I have disputed the information on those grounds and am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. 

I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.
Consumer complaint received 2019-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-03-19
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. (PA)

I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.