davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (NC)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. 

I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX  XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. 

I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. 

There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.
Consumer complaint received 2023-03-27
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I paid my care credit card off. After I paid it off they drop my credit line from {$1500.00} to {$100.00} I only use this card to take my animals to VETS now I cant even do that but with this credit card company did. This is not the first time they have done this to me I had a gas card with them paid my bill every month on time and they canceled my card something needs to be done about this company. I am sending a copy a bill showing it was paid in full never missed a payment never been late. They tried to charge me interest and late fees many times when my bill had no interest and was paid on time and not late and I called and complained about it. They are discriminating me due to my credit rating and drop that is discrimination they get their money every month
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (CA)

XXXX XXXX BANK is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all XXXX Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )
Consumer complaint received 2023-07-28
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. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc. (FL)

Meta is in breach of the contract for the bonus program. Several content creators such as myself who have not violated any user agreements arent being sent the funds rightfully owed to us per the user agreement. 

I worked hard and would like this rectified as soon as possible. Its unethical to hold up the funds and theres no way to contact a support representative. 

Payment account ID : XXXX Payment transaction : XXXX
Consumer complaint received 2022-07-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-28
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. (NJ)

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. 

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance XXXX {$54000.00}
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (VA)

I was contacted by someone at this phone number : XXXX ( XXXX ) XXXX. They claimed to be an attorney and legal processing service called XXXX XXXX XXXX. They also gave me a call back number of XXXX with a case number of XXXX. They threatened to take me to court unless I settled for an original principle balance. 

The original balance claimed was {$1400.00}. They stated with attorney and legal fees that amount would be {$3400.00}. The collector stated that the debt was originally sent to collections in XXXX until XXXX. They offered to settle for the original balance. I did not agree and they hung up on me. I called back and they said XXXX XXXX, wait for your summons and appear in court. I called back again and was met with the same response. I know the statute of limitations on this debt has passed. 

I havent had an account with navy federal since XXXX or XXXX. But I did call Navy Federal. Navy Federal said I had XXXX accounts charged off. One for a credit card with a {$500.00} limit and another for an auto loan with a balance of {$4300.00}. They further told me that my account is now with XXXX XXXX XXXX. The phone number given was XXXX. 

I didnt agree to pay anything, despite their threats because I knew my rights at the time of the call. I simply asked as many questions as possible to help this agency. Even if I owe Navy Fed anything, this debt has passed the legal statute of limitations, which I believe places the creditor in violation of cfpb statutes. Id ask that you please investigate.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (TX)

PAYPAL Case ID : XXXX Disputed amount : {$590.00} USD Buyer info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX, TX XXXX XXXX reported XXXX XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX This is a problem related to several cases of fraudulent activity on our website ( XXXXXXXX XXXX XXXX XXXX ). This is one of the cases that was closed in the buyer 's favor with no investigation of the reported case to PayPal.

Several unauthorized purchases were done through our website without us noticing it. We sent out the items purchased to find out later they were fraudulent purchases. We reported these purchases to our website platform and to PayPal, our checkout platform. 

PayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do anything. I insisted because the orders kept coming in, I reported the IP addresses as coming all from XXXX ( I reported it to them as well ) and basically I could not do anything about it. 

Then the cases against us for unauthorized activity came through, we have 2 closed cases with a chargeback in favor of the buyer and 4 open cases, there will be more coming.

After 100 min on the phone and 6 transfers, I spoke finally with a supervisor ( XXXX ) at XXXX XXXX  who noticed that the tracking number provided for the case had not been submitted to the credit institution for proof of delivery and assured me the chargeback would be credited to our account until a new revision of the case was done. That did not happen, instead, I received an email from a person in PayPal XXXX telling me that they understand we are upset and to contact them through the message center. 

The message center now tells me that the credit institution has the final saying and PayPal has nothing to do with it. 

PayPal authorized these transactions even when they did not meet their criteria ( unmatching zip code, address and/or XXXX  ) XXXX PayPal assures its clients to have high technology to detect fraud and that we can rest assured of transactions being monitored. They also encourage us to report suspicious activity and fraud for them to act in our favor. 

Not the case. They insist to treat every transaction separately and wait until the buyer places a claim. 

Meanwhile, we sent out thousands of dollars worth of merchandise to who knows who, because the addresses do not belong to the buyers. That means somebody is picking up tractor parts all over the US through this fraud. 

I hope you can get in touch with the involved parties and report that this family business is not responsible for the reimbursement of thousands of dollars to people victims of fraud. We followed the good practice to have a platform offering security and support in these cases and they failed, I am sure PayPal has coverage against fraud as well as the credit institutions.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

In XXXX on my closing statement I was charged 1.75 % = {$7800.00} for UFMIP. 
I refinanced this year and closed XX/XX/XXXX and the new cost of UFMIP was 1.75 % = {$7700.00} On my closing statement I DID NOT RECEIVE a UFMIP refund credit. 
In order for me to close the loan they stated I needed {$4100.00} cash to close. 
Since I did not have the cash I asked is there any LENDER credits they can provide to help offset the cost. 
TIAA said that they could change my rate from 3.5 % to 3.75 % so that I could get a LENDER CREDIT ( separate from a UFMIP refund credit ) to help with closing costs, since I could not roll the fees into the loan. 
When I asked the loan originator about the HUD refund for MIP, since I refinanced FHA to FHA, they stated that refunds are done after the fact and that no REFUND credit will show on my closing statement, and that the HUD will refund me my credit. 
I called HUD and they stated that I have an overage and that a credit will be applied to the lender. 
The lender maliciously did not apply the UFMIP credit so that I would have to increase my rate from 3.5 % to 3.75 %. Had they applied the credit, I would have not needed to come up with funds or increase my interest rate.
Consumer complaint received 2019-09-06
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: Santander Consumer USA Holdings Inc. (TN)

I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2022-12-29
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190000.00}
Consumer complaint received 2022-07-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prosper Marketplace, Inc. (TX)

I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi, I opened an American Express Business Platinum credit card on XX/XX/XXXX. I used the card until XX/XX/XXXX and spend more than {$30000.00}. In addition to exceeding the minimum spend, I paid a {$450.00} annual membership fee on the first month.

I decided to proactively cancel the card in XX/XX/XXXX. I wasn't told that closing the account will clawback the points I earned. One week after I closed the account, I got a Point Adjustment of XXXX which is the original promotion.

So I ended up spending XXXX on membership fee and more than {$30000.00} in regular charges and didn't receive any benefit.

I think what is advertised is very different than what is realized. Customer service should have informed me about the clawback when I called to close the account.