davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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: BARCLAYS BANK DELAWARE (TX)

Barclays XXXX XXXX Credit Card : My account was hacked. Hours and hours of attempting to resolve with phone representatives. Have not sent me my statements so i can determine with any specificity which charges were bogus. Can not get into my on line account because the hacker changed my password. Barclays sent a card to this guy under his name on my account even though I told them not to. Some person in another state who i have never met. Most importantly, despite repeated attempts to have Barclays turn off the auto pay and to close the account, they can not or will not do so.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I XXXX XXXX never enter any consumer credit transaction with PORTFOLIO RECOV ASSOC for them to have my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer right to privacy. By PORTFOLIO RECOV ASSOC obtaining my personal information without my consent PORTFOLIO RECOV ASSOC have committed fraud and identity thief. PORTFOLIO RECOV ASSOC furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with anybody else due to the allege debt PORTFOLIO RECOV ASSOC furnished to my consumer reports.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the XXXX which means the debt was cancelled according to IRS. 

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA. 
FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. XXXX ( XXXX ).
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (TX)

This is my refiling complaint to MOHELA for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX, acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.
Consumer complaint received 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 2. - It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (NJ)

See picture of letter I received. I told this company repeatedly I shouldnt have been notified as Im on arrangements with XXXX  Anoint wrong etc. They didnt care as they kept proceeding thus now I get this
Consumer complaint received 2022-09-15
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: HUNTINGTON NATIONAL BANK, THE (IL)

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

I get calls almost daily from Source RM, a debt collection company. I've tried to call them back to resolve it but they ask me for an account number. When I explain there's a mix-up and it's not my debt, I ask to speak to someone in management. I'm then placed on hold for a long time. I don't have any debt which is under a collections agency.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I have opened savings account online while there was a promotion to get {$200.00} for opening savings account and deposit at least {$20000.00} funds outside TD Bank into savings account and keep it for certain time. I have met all requirements for the promo to receive a bonus, but instead never got it and asked multiple time for it. TD Bank also charge a monthly fee for savings account, but it was disputed by me and fee was reversed as an error. All this time account never was under {$20000.00} except when TD Bank charge a fee that was reversed in few days and that was not my fault.
Consumer complaint received 2018-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

I am having issues depositing money from XXXX XXXX an online tutoring website because my pay pal has limited my account without any issue or me having any violation of the policy. PayPal only indicated that there is a potential risk involve with my account without specifically stating which risk it is. I have tried contacting PayPal in vain and that is the reason I am contacting you regarding the issue. Please raise a complain with Pay pal to remove limitation with my PayPal account so that I continue receiving payments from XXXX XXXX. My PayPal email address is XXXX.
Consumer complaint received 2020-12-14
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. (FL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

All my accounts with Chase Card Services got shut down without prior notice. I attempted to use one of my cards with a credit line of about {$500.00} and the charge was declined. So I logged onto my account and discovered that all my accounts had been shut down. My credit score is excellent, I have credit history for over 30 years and my payment history is at 100 % positive. I find it hard to believe that I am a " credit risk '' that all my cards get shut down like this.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-30
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. (GA)

I got an alert for a missed payment from XXXX XXXX regarding XXXX XXXX account. However I have no knowledge of this account. I called XXXX XXXX credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I advised representative I didn't recognize some of the charges on the account. I asked for a debt validation letter was never sent. Also reporting account as open on my credit report. If the account has been charged off should not be reporting as an open account that is illegal.
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (PA)

My wife and I paid off our auto loan with Chrysler Capitol on XX/XX/2021, 30 days went by and our credit was not updated and we did not receive our title. I was advised by the supervisor I was speaking to that she would put in a request to have the credit updated. The account was closed on Chrysler Capitol 's end so if I did not call in and escalate our credit would not have been updated in accordance with the fair credit act. 

Also upon speaking to the supervisor she advised me the title was sent to my wife 's address in XXXX. I immediately corrected her and said my wife and I live together. I explained I called in 6 years ago when we purchased out new home to update the address on our account. I then started receiving monthly billing statements, delinquent notices and other account correspondences to our new address. The supervisor advised me that it is company policy to only updated the information of the person we are speaking to. I explained I advised the rep I spoke to 6 years ago never advised me my wife had to call in and told me the account was updated. I the consumer do not know all Chrysler capitol 's procedures and it is the responsibility of Chrysler capitol to inform me my wife had to call in. Now our account went compromised for 6 years all our personal identity information and account sensitive information went to whomever lives in that XXXX house along with our car title. My wife and I now have to worry about both title fraud and identity theft. 

Lastly since my escalation to the appropriate department and leadership a new title has not been submitted to my wife and I. I am extremely concerned over who may have our car title and Chrysler capitol is not taking steps to get a new title out to us and also to ensure the title is not subject to fraud. My wife and I are expected to handle the situation with our state 's DMV bearing all the inconvenience and problems caused by Chrysler Capitol.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Good afternoon, I have a complaint against Pay pal and would like Consumer Finance Protection Bureau to investigate this matter. As of XX/XX/2021 Pay pal have placed a permanent limitation on my business account. Meaning I can no longer recieve or transfer funds from my account.The buyer of my products uses Pay pal because it's safe and easy for us to do so. I contacted Pay pal seeking the reason to why my account had been shut down and was told that he could not say over the phone for security purposes. In the past Pay pal has ask me to upload documentation for verification and I have always complied .At this time I have a balance of {$360.00} in my pay pal business account. It's unfair to me and my business that I can't resolve the issue because I don't what the complaint is. I have a total of XXXX invoices, the buyer recieved his products, I also have a copy of the buyers confirmation which the buyer provided. Again I don't know where there is any suspicious activity. The other concern is why hold my funds for 180 days ( XXXX mos. ) after suspending my account. The products have been shipped and I can provide tracking information for all the invoices so what is the need. Again it would be appreciated if this matter could be investigated. As always have a Good day.
Consumer complaint received 2021-09-16
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. (TX)

I already disputed this account from XXXX XXXX with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Experian from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports with the same account name XXXX XXXX XXXX XXXX and the same account number XXXX and is reporting negative still under Experian. I've attached a photo of the 2 accounts along with the copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Consumer complaint received 2020-12-14
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: TRANSWORLD SYSTEMS INC (PA)

I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX XXXX as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.
Consumer complaint received 2022-08-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

In the period of XXXX, I XXXX  in a XXXX XXXX school  called XXXX. The school  offered hands on classes, and certification post completion of classes. The school when bankrupt, and closed its doors leaving me with debt via Sallie Mae. As I was younger I did not seek legal action and just continued my monthly payments. in the period XXXX Sallie Mae transferred my loan to Navient. I continued to pay my monthly payments. In XXXX I received documentation around a class action lawsuit with Navient that I was automatically included in which would include a pardon of my loan. shortly after all navient communication stopped, my account no longer worked on their website portal as well. Information on this class action can be found here : XXXX XXXX XXXXXXXX My identify theft credit check service recently alerted me that navient has reported me delinquent to XXXX XXXX XXXX and XXXX  damaging my credit exponentially after years of no communication via mail, phone, email. I have reached out multiple times to navient via phone with no success due to extensive hold times and automated systems. 

Please advise on what I can do as a consumer, and essentially a victim of services not rendered. 

Thank you
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (GA)

Amerifinancial Solutions at XXXX XXXX XXXX XXXX MD XXXX Phone XXXX has reported on my credit a collection with a past due amount of $ XXXXOpened on XXXX/XXXXXXXX, I do not know this company and I have never done business with this company. This company has nothing with my signature. I have disputed this company and have asked them to validate debt. This company has failed to validate debt!
Consumer complaint received 2021-12-07
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. (NY)

THIS COMPANY IS REPORTING THE WRONG INFORMATION ON MY REPORT AFTER SO MANY ATTEMPT THEY ARE STILL DOING IT AND NOTHING IS BEING DONE ABOUT IT. 
15 USC 1681 ( a ) ( XXXX ) I have the right to privacy. 
So again according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I have not given you the right to share my information with XXXX party. 
According to 15 USC 1681 ( b ) ( XXXX ) nothing can be reported furnished on a consumer report without my written consent. 
THESE ARE A FEW ONES THEY ARE IN VIOLATIONS OF
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance {$0.00}