davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (NC)

I have called PayPal on at least 7 occasions and spent hours on the phone trying to get get adequate proof of debt. I have been given only an amount of debt but no underlying transaction information. Please see the attached letter from collection agency and my response. As discussed in the letter, there were a series of fraudulent charges to my PayPal account. When I thought they were resolved by PayPal, I closed my account. There should be a series of transactions : fraudulent charges, credits by PayPal .... I need to see these itemized, so that I know if there is indeed a legitimate debt to PayPal. PayPal says that because my account is closed, no one at PayPal can give me that information.

I want to resolve this before it impacts my credit.

Thank you for your assistance in this matter. 
XXXX XXXX
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
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. 


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  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 2021-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

My loans are serviced by Navient. They contact me relentlessly, and in a harassing manner on a daily basis. I have asked repeatedly about the CARES act and forbearance due to same. I am told that it does not apply to me, and put on a regular forbearance instead. My loan was " prior to 2010, so it isn't owned by the Department of Education. '' I don't understand that, and she couldn't explain it to where I could. She threatened me with credit reporting and ongoing late fees, etc. She talked me into another forbearance, because I wouldn't qualify for any " forgiveness '' that may happen. 

I don't understand why, if my loans are not owned by the Department of Education, they were not discharged in my bankruptcy i. I don't understand why they call me several times a day! It is frustrating and I am not sure what else to do.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.
Consumer complaint received 2020-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Back in XX/XX/2015 Capital One incorrectly reported missing corporate credit card payment as my personal negative item to XXXX credit bureau. I recently discovered it is still there on my personal credit report. I contacted Capital One, closed that account and ask bank to remove it from my personal file. They not only refused to do it to me, but also refused it after I disputed it with XXXX. So, XXXX refused to delete this item too. I have XXXX credit score with other credit bureaus, but not with XXXX because of that issue. No other bank ever reported my corporate credit cards, nor mortgages to any credit bureaus as my personal depts. I think all banks should follow the same regulations and practices. I need someone to take a look on it.
Consumer complaint received 2023-03-27
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. (WA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

There is a Bankruptcy that is not mine nor have Experian nor XXXX  properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both Experian and XXXX  asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only Experian and XXXX  Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

I was a victim of identity theft between the timeframe of XXXX a gentleman by the name of XXXX XXXX stole my identity and my father as well and opened fraudulent accounts like auto loans, credit cards, and business credit cards as well. One particular account I found was Discover Bank I contacted them and sent them a police report and tried to resolve this matter with them and they refuse to believe me I want to disputed with the credit bureau sent in my police report and everything needed to prove this account was fraud according to Discover Bank I recently received a letter stating that they didnt believe me and they were going to put a new account under my name that I did not authorize or I never applied for again this account was never applied by myself I was a victim of identity theft
Consumer complaint received 2017-07-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CIT BANK, NATIONAL ASSOCIATION (CT)

Complaint about CIT XXXX Customer Call center regarding account closing I had a 2-year $ XXXX CD with the CIT bank, which matured on XX/XX/XXXX. I never received a notice/reminder which the bank is supposed to send me well in advance. I called the bank on XX/XX/XXXX Saturday, to close out of the account but I was n't able to reach a human customer service after a long wait. I called back on XX/XX/XXXX, the first business day after the grace period ( ending XX/XX/XXXX, which is a Saturday ). The customer care team refused to close the amount without charging me penalty that 's the equivalent of 6 month interest. I requested to speak with the supervisor and anyone who has authority to close the account for me, despite the fact that I was a few hours past the " grace period. '' I was told the people I 'm speaking with do have the authority to close the account but they simply choose not to do so because they do not have to based on the CD terms. I was told that they will only make the exception if I, the account holder, was dead. The individuals I spoke with claimed to be XXXX XXXX and XXXX XXXX the call center manager. I requested a higher ranking officer at the bank and was given the name of XXXX XXXX, who was supposed the Vice President of the XXXX center. I looked up the names. It appears that XXXX is just another customer care manager. At the end of my wit, I inquired if I may switch to a shorter term CD. While they offer 6-months CD,  XXXX told me the shortest they would let me do is 1 year. So I opted for that. Afterwards, I looked up online, CIT publishes a policy of option to withdraw full balance and interest after 7 days of CD funding date. I believe the call center staff refused my request to close the CD account and withdraw money not per policy, but out of fear of losing business and hurting performance. The customer service was abysmal and perhaps downright fraudulent.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (WV)

My Truist, then BB & T accounts were hacked in XXXX. My email, passwords, usernames, phone numbers and address were compromised then. I filed a report with the local police and opened new accounts. Around XX/XX/XXXX I signed up with XXXX through my bank because my son wanted to transfer {$550.00} to my account. On XXXX, I noticed XXXX fraud withdraws through XXXX had been made to one of my checking accounts, that came to a total of {$10000.00}. The withdraws took place between XXXX XXXX XXXX. I called the Truist fraud line, reported it and opened a fraud claim. That day I went to my local bank, froze that account, changed my password and username. On XX/XX/XXXX, I opened a new checking account and also noticed that my business account had been hacked also, in the amount of {$190.00}. I filed another claim for that account and after Truist reviewed it, received my money back. On XX/XX/XXXX, I received a Truist letter, telling me that my claim of {$10000.00} was denied because it appeared that the transactions were authorized through my cell phone and e mail. Both were compromised in XXXX. I did NOT authorize these transactions. Truist Fraud department told me that unless I can prove that I didn't make these transactions by proving where I was on these dates, they can't help me. I called the fraud department again to reconsider my claim but it was denied again. I contacted my cell phone provider, XXXX XXXX, to see if I can get some inside information about my phone activities and was told that I had to file a report with the police and they can subpeana information. The middle of XXXX. I filed a police report. They were supposed to check into XXXX XXXX and also check with XXXX about the fraud transfers. Any time I tried to connect with XXXX, I was told that it's my bank 's problem, they can't help me. I still haven't heard anything back from the police. After I had reopened new accounts, changed usernames and passwords, I continued to watch for suspicious activities on my accounts and noticed a XXXX XXXX had been able to log into my accounts again. I reported that to Truist also and they assured me that they will keep an eye on that. I want to add that I did receive either text messages or email notifications, telling me about amounts being transferred out through XXXX. Since I KNOW that I didn't authorize any transfers, I assumed that these messages were junk mail, just like messages that tell me I won something, I ordered something, my account has been locked, the IRS is looking for you, etc., all fake messages. I just ignored these XXXX messages. They didn't ask me to confirm the transactions by replying " confirm '' or " yes '' or " no ''. This hacked account is in my name and my son 's name. He was the XXXX who contacted me to tell me that he noticed that {$10000.00}. was missing from the account.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Citibank is making it impossible to bank. I am authorized user - who in the theory can do anything but to close an account or to add/remove users - on my wife 's, my mother and aunts ' accounts. All cards in question are Citi Dividend Cards. In the past, I could have chat with the rep and request such thing as 5 % dividend bonus activated. Starting Q2 of 2019 citi told me only the primary can do it. When logging in with the primary account holder login, the link to activate 5 % online comes up with Err 404. My wife contacted them through her online account chat to activate manually. My mom contacted them from her online account to activate manually. My aunt called over the phone to activate. All activations done prior of Q2 start. All the time the reps confirmed the account 5 % cashbacks were activated. Guess what? None of the cards ' 5 % cashback categories were activated. My aunt had trouble reg account online - the error spitting she already had account and when trying to retrieve password error msg says there is no account established. She was running in circles. Not sure where she stands ... may be CIti fixed it. My sister was trying to help er to deal with the situation. Yet her 5 % cashback categories probably still not activated because she has difficulties with English someone has to be present next to her to speak on her behave. I don't even know how much bonus she had missed because of that. Now i have overpaid the card ( payed it twice ). Requested credit balance refund. First time the rep refused to even acknowledge the payments were made. Next one processed the over payment refund. When refund not generated I have contacted the rep again who told me overpayments refunds can't be processed by an authorized users.
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: Experian Information Solutions Inc. (MA)

On XXXX XXXX, XXXX I contacted Experian about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXXXXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.
Consumer complaint received 2022-12-01
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 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 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 2019-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been trying to have a fraudulent inquiry removed from my XXXX report since XXXX. I have contacted both XXXX  and Saks Fifth Avenue Customer Care about having this removed, and they both blame each other for it being there. I have the document sent to Saks Fifth Avenue Customer Care, and the listed times I contacted XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-21
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: Mountain Run Solutions, LLC (TX)

I agreed to make a purchase for a security system and monitoring service. I was not properly provided with a hard copy of the sales papers before installation. I tried to cancel the sale on the same day that the purchase was made. Their customer service did not know how to handle my complaint. I was placed on hold for long periods of time. They failed to provide the proper security system and installation. I cancelled the sale in writing as per their instructions. They have since then sold my account as delinquent. A bill collection agency has reported me to the credit bureau as having a collections account.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Hello CFPB, I " XXXX XXXX '' had Gap Store Credit card issued by Synchrony Bank, and have used it for few months, around last quarter of 2018. Card Number is XXXX XXXX XXXX XXXX. I have provided a my latest address to card issuer but have never received any statement, or any form of communication at my address. I am holding XXXX card too but had never faced any communication problem with XXXX. However Synchrony Bank ( Gap Card ) seem to be not sending appropriate communication and charged me multiple late fees and put me into delinquency. I didn't even a communication on this as well. 

Recently When I went to XXXX to lease a car, I came to know that my score is very low and I figured out that Synchrony Bank has spoiled my credit history by reporting me delinquent. Now I am holding a credit score of about XXXX ( down from 750+ ). I was not granted a lease, then my husband has to sign a lease for me. 

Please help in addressing this matter with synchrony bank, as I am carrying a bad score and bad credit history because of Synchrony Banks fault. I am hopeful this matter will be resolved in my favor and my Credit history will be fixed too. I want to mention that I made my payments to the bank after speaking over a call, without even receiving any communication from Bank thereafter. 


Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX Own.Lease made a hard inquiry, on XX/XX/XXXX XXXX XXXX XXXX made a hard inquiry, on XX/XX/XXXX XXXX XXXX made a hard inquiry. I was unaware and did not authorize these inquiries and a identity theft report was filed, included in report.