davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3.  XXXX  : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain.
Consumer complaint received 2021-10-20
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)

XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 



Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-06-05
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. (MO)

I want to file a complaint against the three credit bureaus, specific to Experian. 

Since last two months my payments to the credit companies are exceptional and also there was no incident happened that can brought down my credit score 23 points. Regarding this matter, I contacted with Experian but got no answers. 

Here are my complaints against them 1. Why can we see our own data/report, credit bureaus collect from the financial institutions. Because those data/report help us to understand whether there is any problem with us or the financial institutions reported the incorrect data or did any mistakes. 

2. Secondly, Based on what criteria, they increase or decrease the credit score, why they never disclose to a consumer ( by providing report online etc ). 
As an example, report like this Previous score XXXX Current score XXXX -- reduced to due to 1-late payment etc. ( this part they never disclose ) But they never disclose the details behind their scoring. 

3. Why in credit bureaus, everything is so secret, which raise the questions about their honesty and motive. They collect, store and use our data/info. They have no right to play with us hiding our data/info. 

4. Why they don't have any live customer service to provide clarifications or addressing any concerns about our score/report etc. Like XXXX, Experian have no live customer support. 

I, therefore, request you to take the necessary actions to protect us, before they further ruin our financial situation.
Consumer complaint received 2023-03-28
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: Credit Karma (CA)

This is a complaint against XXXX XXXX XXXX and credit karma. This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX accessed my credit information.
Consumer complaint received 2021-10-20
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: Experian Information Solutions Inc. (TX)

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have reached out to EXPERIAN 4 times now and they tell me that these inquiries are FACTUAL and they never provide proof of how they verified these inquiries to be factual. It is against the law for creditors to run your credit without authorization and this is what I have been trying to tell EXPERIAN but they refuse to delete these inquiries. They need to provide proof of validation for these inquiries or remove them from my credit report because no one has the right to check my credit without consent. Here are the inquiries that are NOT AUTHORIZED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. This is my third time trying to resolve this matter. I have filed a complaint with the FTC. FTC report # XXXX
Consumer complaint received 2023-03-28
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: WELLS FARGO & COMPANY (NJ)

A handful of accounts showing up on my credit report that are not mine on Wells Fargo XXXX score and XXXX. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXXXXXX XXXX  {$9600.00} balance XXXX student loan {$61000.00} balance XXXX XXXX {$260000.00} balance
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Credit Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and JPMCB CARD but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

( JPMCB CARD XXXX )
Consumer complaint received 2020-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have tried contacting Experian multiple times over the phone to have the fraud alert removed from my credit file. I never seem to get anyone on the phone who speaks English well enough to understand so I have to disconnect. I have also tried countless times removing the fraud alert on line with no success. For this reason I have to file a complaint with CFPB against Experian for refusing to remove a fraud alert.I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove the fraud alert.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2022-06-15
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)

In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2020-07-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH ''  ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act (  RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Consumer complaint received 2021-06-03
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 (VA)

For the past 6 months Capital One has been reporting I owe {$1000.00} on a {$500.00} credit card. My credit report says that Capital One closed the account for fraudulent activity but are ruining my credit. 

I didnt authorize or open a Capital One Account. I disputed with them and the 3 Credit Bureaus. 

Capital One keeps saying the information matches instead of investigating FRAUD. Which is someone stealing your information. 

I want them off my credit report because they are ruining my ability to get loans or credit. 


XXXX XXXX XXXX has been reporting missed payments in which I didnt miss any payments. They are reporting I missed 7 payments during COVID19. Under the Cares Act companies are not supposed to report late payments if you make arrangements with the company ( see attached ). Also I paid off the account and XXXX  reported my balance increased and that they are late payments.
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (AR)

Hello, On XX/XX/XXXX, I logged on to Klarna because I wanted to make a purchase with my purchasing power of {$650.00}. I went to use it but received a notification that I had a balance due on another account. I was confused because I only have one account. I spoke with the chat and they were no help. They informed me of an email address I don't know. They filed a dispute. 
I called the XXXX # and XXXX helped me change my name and informed me that someone else had a similar name and the same birthday as me ( XX/XX/92 ). I would like this removed. It is not me. I would like my purchasing power restored.
Consumer complaint received 2022-07-23
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: AES/PHEAA (MD)

I have new information. This is an official notice that your organization is in violation of 15 USC 1681 Section 623 ( a ) ( 1 ) ( A ). Fedloan is furnishing information on my consumer report with actual knowledge of errors. Student loans were put into a non-pay status pursuant to presidential order, the CARES ACT in 2020. Fedloan is reporting multiple 90 late payments during the covered period of the CARES ACT. 

Your reporting is lacking integrity. There is reasonable cause to believe the alleged 90 day late payments reported on Loans XXXX, and XXXX are in error. My accounts were in forbearance status and were reported in good standing in the months prior to the reporting of the alleged 90 day late payment status.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc. (OH)

I placed an order earlier this year and purchased a dress from Ashro. I returned the dress for personal reasons. Two months later I received a bill saying I owed late charges for a return of the dress. I could not understand why I was being charged a late fee for a return item. After speaking with someone at Ashro and she said I was sent a bill twice that I never received. I explained to the representative that I was very unhappy about the charge and the late fee. Upset with the company, I told them I would pay the late fee, but I asked them to remove my name from their mailing list and never to send me anything from that company again. 

Two weeks later, I received an email alert from XXXX asking me to confirm that I had opened a credit card with Ashro. I immediately filed a complaint and explained that I never applied for a credit card with this company and that I was unsure how they got my information to even give me a credit card. I told them, I purchased a dress from this company and returned it. Then I get a message that I applied for a credit card. I was told that once they investigated it, the account was verified and updated by Ashro. Very upset, I filed again explaining the same problem that I never applied for a credit card with Ashro and I don't even know how they got my information because I only purchased a dress that i returned. After filing a third complaint with XXXX, the company still refuse to remove the information that I believe they had obtained falsely. I never gave them any of my information to even apply for a credit card. 

I contacted Ashro and asked them why they are forcing me to keep something I never applied for and how they obtained my information to even send me a credit card. The representative claim when you place a order, they send you a credit card. I asked how when I only ordered a dress and returned it and asked that they remove my name from their list. I told them I wanted this account closed and removed from my file. 

Well looking at the response from XXXX, the account was closed but not removed from my credit report and it will not be until XXXX. 

I am very upset that for something I never applied for can stay on my credit report. This company FALSELY OBTAINED MY INFORMATION and said I applied for a credit card. I NEVER OPENED A CREDIT CARD WITH THIS COMPANY AND I WOULD LIKE TO REQUEST THAT THEY BE PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY AND NOT HELD ON MY CREDIT REPORT UNTIL XXXX. I ALSO WOULD LIKE TO REQUES THAT THIS COMPANY BE INVESTIGATED IN HOW THEY OBTAIN CUSTOMER 'S INFORMATION AND SEND THEM A CREDIT CARD WITH THE CUSTOMER NOT KNOWING AS MYSELF. I AM SURE i AM NOT THE ONLY ONE WHO HAS HAD THIS PROBLEM. I just want this company Ashro removed from my credit report permanently and that they are investigated in how they obtain information about customers who place an order with them.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-20
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. (GA)

I opened a dispute with Experian on XX/XX/21 for a Bankruptcy being reported by XXXX XXXX. I uploaded a document from XXXX XXXX dayes XX/XX/21 that states they removed the bankruptcy from my XXXX XXXX report because they could not verify the bankruptcy was mine. Experian closed my dispute today XX/XX/21 stating they verified with XXXX XXXX it was mine. I called them today and they stated I have disputed too many times and that why they closed it. They said if I want it removed I need to contact a lawyer and remove it from my public records. When I told them the court is not reporting the bankruptcy, it is XXXX XXXX, they said it doesnt matter. I ask to speak to supervisors and none are available. Im still waiting for previous requests to be contacted