davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Very recently I discovered I was a victim of identity theft and from the advise given to me by the police I was advised to look over all debit card or credit card accounts and to promptly report and suspicious activity or charges. Since I've had PayPal I've had so many issues with overcharges, unauthorized charges, payment method not being recognized thus charging charges already paid by a different payment option and recently I reported a few charges and PayPal decided because of all the issues they felt the activity was questionable and decided to close/limit my account and I'm ok with that I was going to do it anyway but not before I received my money back from the suspicious charges I reported. I can't help per their own policy you should report ANY suspecious activity within 60 days I've done that and still they made this decision. I want my money and I'd be more then happy to close this account and just wash my hands of the entire thing. I don't want a PayPal cash card anymore and I just wish they were better ways to protect a client 's money but changing a password etc is only a bandaid in a much larger wound. I read reviews and court cases against and I finally can see I'm not alone this has happened to an abundance of past clients court cases against PayPal but I don't plan to go that route unless of course if I have to then I will report the truth accordingly. 
Thank you and please fix this ASAP. 
Thank you and have a blessed day
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a secured capital one card and it's a New account. I was required to pay {$49.00} deposit for {$200.00} credit limit, which I did pay {$50.00} in total and opened the account. Before i activated my card I deposited another additional {$200.00} deposit to capital one & this deposit was done XX/XX/XXXX and cleared my bank account XX/XX/2019 my deposit should have been available 7-10 business days from XX/XX/XXXX, it's now going on 4 weeks and I have been contacting capital since XX/XX/XXXX to see where my deposit is and I'm getting the run around and they're talking about they can't find my deposit. How can't you find a customer deposit? At This point as me being a customer it feels like I'm being rob of my money. I could of just just added it to my XXXX card account which is better. I gave capital one more then enough time to research what happened to my deposit they took and since XXXX still nothing it's almost mid XXXX
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2019 : Insufficient Fund Fees of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} XX/XX/2019 : Insufficient Fund Fee of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} I called Chase Bank To Resolve These Debits Of The Various {$34.00} Fees. All I was told was I'm Sorry, it is against our policy to remove these fees by the banker on the phone. I also talked with the manager on the phone and was told by the manager that there was nothing he could do, and the insufficient fund fees remained. I was told I needed to keep an eye on my statements in the future, and was treated very rudely. I told the Manager I received a small XXXX check as my only source of income, he rudely denied my request to remove and credit the four {$34.00} fees.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-05-08
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. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I have been trying to contact the collection agency numerous times, I called and they say write to us and when I write to them based on the address the provide on credit reports it comes back to me as undeliverable. This company is reporting information on my personal credit report for a debt that is for a company and has nothing to do with me. I wrote to them also many times with no respond and just getting returned mail. The contact information and their address is wrong on the credit report and they are no help via phone at all. Please help me get this removed of my credit reports. I have attached the proof of no delivery and also the actual letter I sent to request validation and no one ever responded to me in over a year. Now that I am trying to buy a new car this bad item on my report is ruining my chances of getting approved and I would like to get resolution or I have to explore my option to bring a lawsuit against this collection agency for all the FDCPA violations they are committing
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (SC)

When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX  XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.
Consumer complaint received 2023-05-08
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 Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights 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 consent.

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, 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 accurate.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, XXXX  out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are  ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX, I paid off two accounts with XXXX. I paid {$300.00} to XXXX and {$250.00} to XXXX XXXX, leaving both with {$0.00} balances. Today XX/XX/XXXX, I received letters from Midland Credit Management saying I owe them {$240.00} for XXXX and {$230.00} for XXXX XXXX. When I asked how I owe them when the accounts were paid off, they told me it was for fees. They acknowledged they could see I made these payments.
Consumer complaint received 2023-03-31
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. (PA)

I filed a dispute about item on my credit report with experian. They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown experian any proof of debt and experian fails to remove item after multiple disputes. The company in question is XXXX XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX XXXX Account XXXX XXXX late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX XXXXXXXX delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that Sallie Mae reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that Sallie Mae place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6.  Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2019-04-17
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Consumer complaint received 2023-05-08
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. (GA)

XXXX previous complaint inconsistencies were not removed from report. Credit reporting agencies have no written authorization for reporting all items listed on XXXX complaint. Therefore from their refusal to abide by law, and obtain written consent, all items from XXXX complaint must by removed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX and TransUnion credit bureaus after I purchased a credit report from XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX : XX/XX/XXXX Balance : {$640.00} on my credit report which are UNKNOWN to me. 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 disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of thief identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2020-12-18
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.