davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I am unable to log onto a Paypal account. I have tried password reset and also called them. ( I called them on Friday, XX/XX/2019 ). I also submitted a complaint to the company through their website on XX/XX/XXXX or XX/XX/2019 asking them if there was a way to submit proof of identity through USPS or some other means. They did not respond to my written submission.

I have moved several times since I last used the account, and don't know what address was on it when I last logged on or updated the account.

I am concerned the account could have money in it that I'm not aware of, be fraudulently used, etc. Plus, I am unable to use Paypal as a means to send money currently. The Paypal rep advised me to get another email account, which I don't want to do.
Consumer complaint received 2019-04-09
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. (NC)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-02-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from AD Astra Recovery Serv on XX/XX/2019 in the amount of {$660.00}. First and foremost, I have confirmed that the debt collector, AD Astra Recovery Serv is not licensed in the state of Louisiana to collect on this debt. Secondly, AD Astra Recovery Serv violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to AD Astra Recovery Serv? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AD Astra Recovery Serv has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$660.00}.
Consumer complaint received 2022-10-13
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. (IL)

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 Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : T XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : 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 : 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.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card plan as late for any purpose.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RGS Financial, Inc. (WA)

I opened a residential internet account with XXXX XXXX during XXXX of XXXX in XXXX, XXXX. When opening the account at the XXXX store in XXXX ( located at XXXX XXXX XXXX XXXX XXXX # XXXX ) I purchased a XXXX  brand modem. We continued internet service with XXXX through the summer of XXXX, when we moved to XXXX. When I called to transfer service to our new address, I was told that because I was moving to a new region I would have to set up a new account, but that XXXX would transfer everything over for me. While transferring our service ( according to someone I spoke with at XXXX  this past fall ), the technician erroneously marked that our modem was rented, and not owned, even though everyone I have spoken with at XXXX has told me they have been able to see that I did indeed purchase the modem. Even though XXXX knew I purchased the modem, they erroneously charged me a second time, and later sold the modem " debt '' to a collection agency called XXXX XXXX XXXX around XXXX of XXXX. It took me until XXXX of XXXX to establish with XXXX that I did indeed own the modem, that I had purchased and paid for it in full when I set up our internet service in XXXX, and that the account never should have been charged off. I was told that the matter was settled, and the debt was removed from my credit reports in XXXX of XXXX. However, I found out earlier today that my " debt '' was sold to another collection agency-this time to a company called RGS Financial. I don't know if XXXX XXXX XXXX sold off a debt that doesn't exist or if XXXX once again charged off my account despite having mountains of evidence that I owe them no money, but neither are legal. Attached to this are screenshots proving that this was removed from my credit report previously, and that I currently do not owe XXXX any money.
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (FL)

About a year ago I acquired a debt with Fortiva credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with XXXX  XXXX   and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the Fortiva website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
Consumer complaint received 2019-05-27
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. (OH)

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian is reporting a account from XXXX collection agency XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Consumer complaint received 2019-05-27
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. (OH)

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

From what I was told when I signed up with this card, I was not going to be charged if I didn't have the funds in my account. When I opened this account, I had come from XXXX and even XXXX XXXX XXXX with the promise that I wasn't going to get charged overdraft fees from the company and a transaction would not take place if the money wasn't in the account. 
THIS means " every day '' card purchases, this does not mean any other types of purchases. That means that if you go to the grocery store and try to buy something, it will decline if funds are not available. That makes sense. But why am I being charged AT ALL if the money isn't in there? 
It's been so long, and I finally read the verbiage used in the disclosure about overdraft fees and they say they will pay things to their discretion. I have called them to ask them not to take the fees if the fees aren't in there. This is not my primary account and I am switching to an account that doesn't take money if the money isn't in there. If paying something is up to the discretion of a company, they will pay it because they know I'm going to pay hundreds of dollars in overdraft fees every single year for it. With that said, I have tried closing my account multiple times now and they tell me that I can't if I have pending transactions. So then I have to wait. In the meantime, another thing ( to their discretion ) is paid, and another fee is attached to it! I don't even use the account anymore, and I feel like I'm being cornered. I would like all of my money back for the fees, I have paid the company more than enough money for paying bills that I told them not to take out unless the money was in there, but they pay it ( to their discretion for a {$34.00} fee ). This doesn't seem like a bank to me, it seems like a business where they make more money and they can not be trusted with my business.
Consumer complaint received 2018-06-03
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. (NH)

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans  giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Consumer complaint received 2023-03-21
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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. (NJ)

n accordance with the fair credit reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-10-09
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. (CA)

On XX/XX/2019 I filed a dispute with XXXX, XXXX, and Equifax. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. Equifax completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. XXXX also provided results that coincide with Equifax. I have contacted XXXX XXXX XXXX and they say they are backlogged for 60 days.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2017-05-26
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. (TN)

Information and referenced documentation was disputed with   XXXX   in  XXXX     2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the    XXXX   XXXX   XXXX    and  XXXX  loans.  Information  was provided showing an open real estate account with  XXXX  that was not included on the report.    XXXX   XXXX   XXXX   c ontinued to report negative pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status. Currently  XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2019 I deposited a check through the Bank of America ( BoA ) mobile banking app. This was check number XXXX, in the amount of {$2200.00}. This is cashier 's check written from Bank of America. As it was deposited through the mobile app and on a weekend, I assumed {$200.00} would be released immediately and the remaining amount released on Tuesday, XX/XX/XXXX ( the second business day after the deposit ). This is also the date that it was indicated to me online that the funds would be released. I checked my account on Sunday and a hold was placed on my entire checking account. On Tuesday ( XX/XX/2019 ) the funds from the check were released and credited to my account but a debit in the amount of the check was also placed on my account. Now I am being told the funds will be released tomorrow morning at XXXX XXXX ( XX/XX/2019 ). I have contacted BoA twice ; on Monday and Tuesday and given misinformation both times. This is unacceptable, the cashier 's check is written from a BoA account so verifying funds should not be an issue, I have had this account with BoA for about two years, and this is an account in which overdrafts are not possible.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT XXXX XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY BE REMOVED
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, XXXX, and XXXX XXXX I attempted to make online payments for my account, in the amount of XXXX. I kept getting a system error. At that time I called and scheduled for the payment of {$82.00} to be processed on XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a payment that was then 30 days past due, as care credit did not process the payment that they were authorized to do on the XXXX. I was able to get on and make the payment at that time. On XX/XX/XXXX I called 3 different numbers, and was transferred to 6 different departments regarding this issue. No one in any of these 6 departments seemed to understand how to correct the error, and bounced me around for 2 hours claiming that it was another department that could correct the error. On the final call, the representative stated that they could open a complaint, and they saw where the error had occurred, but they didn't know who could fix it at this time. The numbers that I was given were XXXX, XXXX, XXXX ( not even the correct company ), and XXXX. The representative I spoke with last tried telling me to call yet another number, but I explained that would not be happening and to check my account before disconnecting me again.
Consumer complaint received 2019-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Used Venmo to transfer XXXX, was double charged. Second charge did not go to the other person, nor did it show up on my Venmo   statement. Venmo  charged two distinct transactions with different transaction numbers, but only one was authorized. Money hasn't been returned for five days now.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

I tried to remove my credit freeze again tonight online. I was asked to verify some information. I answered the questions correctly. At no time was I asked for the security code that I was provided when placing the freeze. I was denied access. And asked to mail verifying information. Which I have mailed previously. Then I tried to call to lift the freeze. During the call I was asked the pin number. I provided it. And was able to remove the freeze. I should not have this much trouble getting access to my file. Also Experian ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Spam phone calls, not even a message left by Capital One. 
Called 3 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 3 times on XX/XX/2019.
Consumer complaint received 2019-05-28
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: Navient Solutions, LLC. (IL)

On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ Naviet on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XX/XX/182019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/Navient removed ALL Listings from my XXXX, XXXX and XXXX credit files.