davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am writing to file a complaint against PayPal for failing to fairly assess and resolve a dispute regarding an unauthorized transaction on my account. I am seeking your assistance in obtaining a refund of {$78.00} USD from XXXX XXXX XXXX for a subscription to XXXX that was cancelled in XX/XX/XXXX. 

As a loyal PayPal user, I trusted that the platform would be able to resolve this issue. Unfortunately, I have been unsuccessful in obtaining a refund for the unauthorized transaction. Here are the facts : - I previously had a subscription to XXXX for a few months which was facilitated through PayPal. 

- I cancelled the subscription in XX/XX/XXXX, and XXXX stopped charging me per the cancellation. 

- XXXX then resumed charging me in XX/XX/XXXX, without my authorization. 

- I made a complaint to XXXX, but they did not resolve the issue and directed me to contact PayPal. 

- I filed a dispute with PayPal and provided all the requested information on XX/XX/XXXX, including seller information for XXXX XXXX XXXX, and invoice ID XXXX. PayPal provided me with case ID XXXX XXXX 

- I also provided evidence of the cancelled status and the billing agreement ( although I was unclear on what the billing agreement referred to and asked PayPal to notify me if this was incorrect ). 

However, my case was denied for not providing the requested information, even though I supplied all the information they asked for the same day. 

I do not believe PayPal has fairly assessed my dispute and has closed this dispute in order not to lose money. 
I believe that PayPal may have violated relevant laws, including Reg E and UDAAP. Regulation E outlines the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers, and the unauthorized transaction through PayPal may fall under the definition of an electronic fund transfer. Furthermore, the alleged failure of PayPal to fairly assess the dispute and provide a refund could potentially be considered a deceptive practice under UDAAP.

I am seeking your assistance in resolving this issue and obtaining a refund for the unauthorized transaction. I appreciate your attention to this matter and look forward to hearing back from you soon.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

XX/XX/2021 Experian XXXX XXXX XXXX I called and went online to all three credit reporting agencies to order my report and talk about other individuals possibly asking for credit reports in my name. 

I was not able to talk to anybody because my identity didnt match or pass the test. 

I again tried obtaining report on the website and again was not able to get to my report. 

I would very much like to know who has changed my information so that I am refused access to my reports. 

I am now receiving text messages that there is negative reporting on my credit file. 

I am aware of individuals that are using my name around town to throw me into an abyss of financial and personal problems.
Consumer complaint received 2022-10-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX, I received an important notice from Chase stating that my COVID-19 mortgage payment assistance period will end on XX/XX/XXXX. I reached out to Chase by telephone using the number listed at XXXX to request a mortgage forbearance extension. After speaking with the person on the telephone I was told that my forbearance extension was being granted until XX/XX/XXXX, and that my confirmation number was XXXX. 

On XX/XX/XXXX, I requested that Chase provide me with the extension given by them in writing due to the urgency related to my current forbearance ending on XX/XX/XXXX, I explained that there should be a process in place to ensure that there are no laps in the forbearance process and that there should not be any opportunities or reasons for default of a consumer 's mortgage loan. 

Instead of getting any assistance, I was told by Chase that I would not receive anything in writing until 2-3 weeks after making my extension request. This deadline would possibly place me past the due date that my forbearance would be ending. After going back and forth with Chase staff regarding this issue I requested that Chase simply email me something in writing acknowledging that my request for forbearance was granted on XX/XX/XXXX, and to include the reference number that was given by Chase inside the email. 

Chase refused to provide the requested information by email. Chase 's refusal places my loan at risk of default. This information is crucial when working with mortgage consumers in the forbearance extension process. 

I am requesting assistance from your agency with this matter.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/ a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (LA)

After going over my credit report and documents sent in by collection agency the balance thats being stated owed was XXXX and now is XXXX in which the supposedly original balance was XXXX I would like to see the original contract which prohibits you to collect interest on this debt, also the open date is stating XX/XX/2020 in which I highly doubt that was the date first delinquent and would also like to request documentation representing that because according to FCRA rules and Regulations it is illegal to report information to my report that is inaccurate, I demand appropriate documentation to prove this in fact is my account and the information that you are reporting to my report is accurate you sent in a print out of charges that are not validating what you have reported on my credit report!!
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (FL)

I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency Nelnet unable to get little to no information from them.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The reporting agencies continue to report my student financial information incorrectly. The account has been discharged under agreement of XXXX, XXXX. The 1099-C was accepted and processed by the IRS. Since this was a certificate of indebtedness and is considered income the reporting agencies should not be reporting this account. I have tried to get the record corrected with no success. Under the Family Educational and Privacy Act my educational records should not be shared with third parties. The reporting agencies are not ANY affiliation to any educational institution therefore they should not have my educational financial records. Any termination of a consumer credit that has a balance due over one dollar is credit to the consumer, therefore reporting this account with a balance is inaccurate reporting which is a violation of the Fair Credit Reporting Act. Several of the accounts are also listed multiple times on the credit report which means this report is not accurate which federal laws states the reporting agencies MUST maintain 100 % accuracy.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF EDXXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

The public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX
Consumer complaint received 2022-10-15
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. (IL)

This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I mailed a letter of dispute to Experian Consumer Assistance Center in XXXX, Tx disputing items on my credit, after calling Experian to dispute inaccurate items on my credit file by phone and being told that I could not make a dispute by phone because my credit file is being handled by one person. I stated I wanted my file in the regular department as any other consumer calling in. I was told because I filed a complaint with the XXXX XXXX XXXX regarding Experian very poor service, my credit file is now being handled by only one specific person. And that if the one specific person is not available, then I can not dispute any inaccuracies on my credit report. This person name XXXX XXXX, calls by blocking his number, and leaves a message saying he is with Experian and when I call Experian again, this person is not available for me to dispute inaccuracies on my credit report. I never did receive any notification from Experian regarding the letter I mailed regarding disputes on my credit file. My rights according to the Fair Credit Reporting Act, is being violated. I have the right to be able to call in and speak to any representative in the dispute department at Experian and dispute inaccuracies on my credit report and Experian is refusing me this right. My Federal right is being violated.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since XX/XX/2022, I have been trying to get the credit bureaus and all of the companies who have been illegally furnishing my information to remove 2 accounts on my credit file that are not mine. I have provided them an identity theft report and in good faith tried to resolve this matter. My rights as a consumer have been violated on multiple occasions. Section 605 b of The Fair Credit Reporting Act states that any item that the consumer alerts a consumer reporting agency is a result of fraud, must be removed within 4 business days. How dare you even furnish an account on my credit file. I did not give you written permission. On top of the other violations being committed against me, XXXX Bank is committing tax fraud for reporting the fraud account they have listed on my file. It is listed as a charge off. This means they have written the account off and sold it. Therefore, they have no interest in the account. They are guilty of furnishing untrue information. I demand that these accounts be removed immediately.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-05-02
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. (CA)

I filled out an application online and I thought it was a bank. I applied for a loan. This company was a lead company and shopped my credit to several different banks/lenders. I have since received numerous emails about being denied credit. I just emailed their contact email to stop but have not received a response. I want them to stop giving out my information immediately and delete me from their database. Please help me get this resolved. Thank you.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase strongly recommended using a 2 factor authentication method to protect my funds.  One of the recommended " Authenticators '' was XXXX Authenticator. I configured the 2 factor authentication and everything worked fine until the phone on which I had XXXX Authenticator installed needed to be wiped due to a severe software problem. After the wipe, I could no longer use XXXX Authenticator. I followed Coinbase 's instructions do deactivate 2 factor authentication and these instructions failed. 

A ticket was opened in early XX/XX/XXXX and I still have no access to my account. Last I was able to look I had over {$6000.00} in various coins but I still have no access to my account. In the meantime the currencies have fluctuated wildly and I have been unable to liquidate.
Consumer complaint received 2023-03-25
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. (MI)

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well