davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

I received a collection letter in the mail from Penn Credit On XX/XX/XXXX for a delinquen/ fraudulent utility account in amount of {$470.00} that was opened without my consent by XXXX XXXX XXXX I explained to the representative that the information that they had on file was incorrect and that I had never lived at that address that the utility company had provided them nor had I ever done business with XXXX XXXX. At that moment I realized that I had become a victim of identity theft. I was provided with XXXX XXXX contact information and was advised to report the discrepancy to them. I was also advised by Penn to file a police and identity theft report. The collections representative that I spoke to also provided additional accounts and addresses that appeared on their system as delinquent. These additional accounts which I have yet to receive a collection letter from Penn-Credit appeared to be linked to my name and social security number. I contacted XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to report these accounts as fraudulent. An agent by the name of XXXX assisted ( {$470.00} ) me with one of the fraudulent accounts and another agent by the name of XXXX opened a total of 6 fraudulent disputes ( {$280.00} ; {$280.00} ; {$310.00} ; {$470.00} ; {$470.00} ; {$400.00} ) for me. XXXX provided a confirmation number ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for each one of the accounts that she reported as fraudulent. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records ( Penn Credit ) and their own records. Both entities have be notified that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I reside at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I was told by XXXX XXXX that they would Investigating these fraudulent accounts in addition to getting them removed from the collection agency. I was also told by XXXX that someone from their company would be contacting me within 14 days and I have yet to hear back on the XXXX accounts that XXXX reported. I have been actively monitoring my credit report since XX/XX/XXXX. All three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity was stolen. I have filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to be placed on my credit reports and fraud alerts have been placed as well.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (CA)

Equifax has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (VA)

I bought a laptop from XXXX XXXXXXXX through affirm. The laptop arrived way too late and I contacted the company to allow return. After fighting with them over a year the laptop was returned but affirm is still trying to collect this and committing fraud trying to collect an account no longer owed. They also reported to my credit Bereau I was late but I dont owe this anymore its been sent back.
Consumer complaint received 2015-09-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevSolve, Inc. (NM)

In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Navient is my student loan servicing agent. I have paid the bill each month. I have been ob a income driven payment plan due to my low paying XXXX XXXX job. I called to get the application to re-apply, they we will send it to you and they have done it and this has been over 4 months. I have made calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

No application. All I want to do is stay current with my student loan payments and they are stalling me not telling me the truth. It seems to me they want the student to default.

Well I am not trying to do that. Please help me! I want to pay, and pay what I can afford. My Human Resources Department Faxed over to Navient the Income driven application in XX/XX/2018 and they are saying they never got it. The Human Resources office has the paper work showing they did fax the application to them. They keep lying to me. Please help me.
Consumer complaint received 2022-05-19
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. (NY)

I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX  ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TX)

I have a paypal debit card. 

I live in XXXX XXXX, XXXX. 

due to typhoon odette, around XX/XX/2021, the city suffered a city wide blackout, fuel shortage, and telecom blackout. 

I went to an ATM at XXXX XXXX to attempt to obtain cash to pay for food. hundreds of people were in line at the atms. I went into the mall, and found an atm I frequently used, there was no line. 

I attempted to withdraw XXXX XXXX  ( {$200.00} ). the machine did not dispense any money, nor did it give an error. I kept the receipt. 

immediately, I made a 2nd attempt. it gave an error for transaction denied or otherwise. no money was disbursed. 

I did not receive any money from this transaction. 

when we had electricity again, I borrowed a cell based internet device and disputed the error online with paypal. there is no option for 'did not receive cash ', so I selected something similar. 

I wrote i the small box that I did not receive the money. 

paypal did not investigate whether i received the money. they only investigated if the dollar amount for the transaction at paypal matched the dollar amount at the bank, what I requested. they did not investigate my claim that the funds were not disbursed, clearly written by me in the dispute. 

there is no way to appeal, the chat / contact system did not allow me to speak to a person or leave a message. 

paypal did not disclose to me in accordance with 1005.11 ( c ) ( 4 ) that I had a right to request the documents used in making the decision. I do not have any of the documents used in making the decision. 

I wrote letter to paypal XX/XX/XXXX which was not responded to. 

I chatted with them online and they refused to assist me, and gave a false reason. they merely state that the atm was reported to be functional, which is clearly a lie, because the city was in the middle of a city wide blackout, and gas stations were closed, they had no way of putting cash in the atms because there was no fuel for any vehicle to deliver the cash. all stores were closed. there was power at the mall where the atm was located, but all the stores were closed. 

I did not receive the money. I demand a full refund of {$200.00}.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

My son was a victim of identity theft with CitiBank where they wired {$4700.00} from his account after they deposited fraudulent check via the ATM. 

On CFPB Complaint # XXXX they responded that they see that we were victims of identity theft but they couldn't honor it because they never received the affidavit timely. 

Here 's where they lied, please review CFPB Complaint XXXX and you see that the affidavit is attached to that case it was also notarized and faxed to CitiBank Wire Fraud department directly, where I spoke with a CitiBank Representative that they confirmed that they received the notarized copy in XXXX of XXXX 

I feel that we're being XXXX profiled by this bank and that's the reason why they won't honor that {$4700.00}, on top of tarnishing my son XXXX XXXX XXXXXXXX XXXX bank reputation and placing him into XXXX XXXX 

Please see the proof that's attached.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-10-12
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. (FL)

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Consumer complaint received 2022-05-19
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. (ND)

In accordance with the Fair Credit Report Act XXXX Account # 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my right . 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-12
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. (MO)

In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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. (CA)

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2022-10-12
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. (MO)

In Accordance with Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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. (CA)

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 account # XXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account account # 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. 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 2022-05-19
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: Experian Information Solutions Inc. (KS)

These inaccurate addresses are reporting on my personal credit file with XXXX, Experian and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit file.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
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, XXXX ACCOUNT # 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 2019-01-28
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. (FL)

I contacted Experian about several accounts on my credit report that is still open and active, although the two other Credit Bureaus have closed them. I submitted documents of receipts and the closure letter for XXXX XXXX and received a letter that this would remain on my report until XX/XX/2023. I immediately contacted Experian and was told by two Agents and a Supervisor who continued to give false information. I was told that the Company never confirmed with them that they needed to close my account. I contacted the Creditor and was told that Experian was contacted the same time as the other ones and that's why the accounts are closed. I was also told that we can do a three way conference and they would relay this information to Experian. Experian wouldn't do a conference call, but stated as an 'One time exception ' they would contact the company. I waited for over thirty minutes, while the Experian Supervisor kept me on hold only for her to come back and say that they confirmed that they closed my account due to debt being paid. The Supervisor stated that the system wouldn't allow her to close the account and I would have to wait until she could. XXXX XXXX stated they were on the line with Experian for about five minutes or less with the Supervisor who stated that they would remove it. Experian seemed more interested in keeping my Credit Score low instead of updating and removing several accounts that have already been closed bt XXXX   and XXXX. This is the main reason why others and my Scores are stagnant, because they fail to do an accurate update. All conversations have been recorded that shows that Experian do not want to update my account with the correct information. Credit is important so stop being a hindrance for me.