davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2020, I saw an ad on XXXX for a folding picnic table. The price was low and while I was pleasantly surprised by this, I figured my purchase would be safe since I was given the option to pay through PayPal ; it is because of this trust in Paypal that I made the purchase, and you will find that my complaint is with PayPal protecting scammers and not holding up to their promise for consumer protection. The total amount for the purchase was {$26.00}. 

I checked the provided shipping tracking number and it showed the item had arrived from XXXX and had delays in customs, as was to be expected. When I attempted to contact the seller two months later because I had not received my order yet, the link to their website in their confirmation email no longer worked, and for that reason I no longer had the tracking number. I then contacted them through Paypal on XX/XX/2020, and they provided an updated tracking number. This updated tracking number showed that the item had been delivered, but the item that had been delivered ( and that I received ) was a cheap {$10.00} watch ( {$2.00} if you buy it on XXXX ), not a folding picnic table. It is also notable that the envelope in which the watch was shipped had the sender corner torn off ( though through the tracking number on the envelope I was able to backtrack that this was their shipment ). In my conversation with the seller through the PayPal messaging system, I told them that I did not order a watch but rather a folding picnic table, and they said they were sorry and it was a mistake, and that I could return it to them and pay shipping to XXXX myself, or they would offer a 40 % refund. I told them that was not reasonable and I did not order a watch, and I let them know that I would escalate this case with Paypal. I did so, and PayPal notes that when a case is escalated that they will review the messages between the buyer and the seller and make a determination based on what they find. After Paypal 's review, they said that since the tracking number provided showed that [ something ] had been delivered, my case was denied and the case was closed. In the messages with the seller, they never denied that they provided the wrong product, they even admitted this happened. It is clear that PayPal did not review the messages, or worse yet, that they are complicit with scammers ( based on reading comments all over their XXXX page, the latter seems to be the case ). I commented on their XXXX page about my problem and they seemed very polite and helpful in the comments, saying that they wanted to help me and to contact them, but when I messaged them, they replied back once asking for additional information, and they never replied again, even though I sent numerous messages. 

Unfortunately ( and possibly intentionally ) Paypal 's resolution center will not let me see the messages that took place between me and the seller, all it shows is that the case is denied and closed.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XXXX disputing XXXX that is being posted on my credit report, by XXXX XXXX and XXXX. The credit Card was issued to me by XXXX XXXX. who takes care of XXXX. This amount is XXXX. All I asked for is an itemized list of products that I Am supposed to have purchased. Without the list, the purchases can not be true. Prove me wrong? XXXX XXXX XXXX are the ones who purchshed this bogas debt. XXXX # XXXX.
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NC)

I paid for wire transfer of {$50.00} ( XX/XX/XXXX ). After I paid, the agent told me the money was on hold until I placed a call to answer some question. When I called I was told there was an hour hold time. I was then transferred to another department for a refund code. I was given a code. When I went back to the store and presented the code, I was told it did not work. ( XX/XX/XXXX ). The agent at the store called and was told that the refund was sent to the country I was sending the money to. I came home and spoke to a supervisor named XXXX ( XX/XX/XXXX ) I was told that I would be called in 24 hours  with a new refund call. I havent received a call. I call again ( XX/XX/XXXX ) and spoke to another supervisor who now says a refund code has not been generated and I should wait 48 hours for a call to be given a refund code. My big mistake is that I paid cash.
Consumer complaint received 2020-08-29
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: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2017, ARS ACCOUNT RESOLUTION added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ARS ACCOUNT RESOLUTION has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Someone in USAA bank withdrew {$760.00} from my checking account instead of my daughters account for her car insurance payment. The bank has not resolved this obvious mistake on their part. I am out {$760.00} because someone clicked on the wrong line and they will not remedy their mistake
Consumer complaint received 2020-12-09
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. (GA)

My complaint involves all 3 credit Bureaus but especially XXXX  who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX  Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My complaint involves all 3 credit Bureaus but especially XXXX who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

3 problems : [ 1 ] My mortgage company is Dovenmuehle. They put me on a forbearance from XX/XX/2020 through XX/XX/2020 ( to include all payments from XXXX to XXXX ). They deferred all of my missed payments except XX/XX/2020. Now I'm passed due and it's not my fault. They are refusing to put XXXX into the deferment. [ 2 ] I requested a loan modification because, as of XX/XX/2020, I am on Social Security XXXX. They are refusing to let me apply. They are refusing to send me an application and every time I call them they hang up on me. [ 3 ] Dovenmeuhle sent me a Loan Transfer Notification XXXX. I received a statement from the new Service, XXXX XXXX, XX/XX/2020. I set up a XXXX payment through my bank, which was sent to XXXX XXXX electronically on XX/XX/2020. Then later that day I received a notice from Dovenmuehle that my loan was not transferred to XXXX XXXX and that I must pay Dovenmuehle the payment for XX/XX/2020. Please see attached documents. I have spoken to a dozen representatives at Dovenmuehle about these issues. Now they keep hanging up on me.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MI)

A purchase I ordered was misdirected by XXXX to remove funds out of my checking account causing my account to go negative. The account going negative caused me to miss a monthly automatic charge which prevented my account from receiving a monthly service charge. The XXXX purchase was attempted two times which I did not agree with. I was charged {$34.00} two times plus {$34.00} in an overdraft fee and {$12.00} in monthly service fee for this error. 

I called customer service to remove the fees and only received partial credit to which I attempted to file a complaint and the customer service representative ignored my complaint and tried to discontinue the call. 

Since then, another automatic charge was attempted two times. While I forgot about the timing of the automatic charge and was not able to switch billing information in time for the first charge, I do not agree that Citibank should attempt to these charges two times to only receive additional fees from me. I was charged {$34.00} two times again for this transaction. 

Overall, the error by payment allocation to the wrong source caused me {$180.00} in fees and I was only granted {$34.00} in relief. 

I strongly disagree with this policy of trying NSF transactions two times to receive more income in fees. This causes undue harm to customers, especially during a pandemic. I can not be the only one impacted by this poor policy. I believe customers should have a choice when a transaction is attempted more than once. This practice is deceptive to the customer and only benefits the banks.
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today XX/XX/2020 XXXX XXXX. I requested my free annual credit report from Transunion and was in the process of disputing accounts over 7 years, incorrect info, and viewing the rest of my report. Then the page closed or timed out. Not sure how as I was typing my dispute. I tried to get back into my credit report and Transunion claimed that they could not validate my identity after validating it he first time. I have filed several disputes and they never get resolved as the other bureaus. Transunion is practicing outside of the laws and regulations involving credit reporting. I am a public service worker in the process of getting my student loans forgiven and they report them as potentially negative accounts. Some accounts were settled and over 7 years and they refuse to removed them from my credit report There are hard inquires which I did not authorize and Transunion refuses to remove them from my credit report. This is against the law and I am very tired of Transunion. Please resolve the issues or I will have no choice but to seek legal council. 

Thank you. 
XXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a credit freeze with all three bureaus due to being affected by the XXXX debacle.  I have been trying to login to the Experian but I am unable to do so.  XXXX and XXXX were easy to deal with.  I tried to reset my password, but it sent the reset to a completely different email address - one that I have never used.  I repeatedly tried to contact Experian, but they obviously are actively preventing individuals from speaking to a live human being.   Every number I try sends me to the same place - nowhere.  I am in the process of trying to buy a house and I don't want anyone damaging my credit score or affecting my credit.  I need someone to help me get the password reset email corrected immediately.
Consumer complaint received 2021-05-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC (MD)

This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is NOT a request for verification or proof of my mailing address. I am requesting that Williams Rush and Associates provide me with competent evidence that I have any signed binding contract giving Williams Rush & Associates legal obligation to collect and alleged debt.

Without any prior written notice from Williams Rush & Associates, my credit was adversely impacted. If this agency continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark from Williams Rush continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against Williams Rush & Associates.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Consumer complaint received 2023-03-25
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. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are still several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not intitiate these Items or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act, section 605b, requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2020 we made a purchase at XXXX 's for {$180.00}. When we got home and checked our account it charged us 13 times for the same transaction. I called Suntrust bank and the lady I spoke to said there was a one our period where this happened to quite a bit of people and it should be corrected with in the hour. This did not happen. On XX/XX/2020 some of the transactions were taken off but some of them are still on our checking and savings accounts leaving us with no money period in either account. I called Suntrust again on XX/XX/XXXX and they still charged our account with 2 of these transactions. I was then told I would have to dispute these transactions and it could take up to 10 business days. They admitted that the mistake was made by them. I don't understand if they could take care of some of these transactions why they couldn't take care of all of them knowing it was their fault leaving both accounts in the negative. We are not able to fill prescriptions, buy food, get gas on anything else.
Consumer complaint received 2023-03-25
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. (VA)

This is my second 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 items 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 XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX PROF XXXX XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance XXXX XXXX {$280.00} XXXX XXXX CO XXXX Balance Owed XXXX {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF WI XX/XX/XXXX
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (CT)

On XX/XX/XXXX at XXXX I received phone call from First National Collection Bureau saying I  owe over {$23000.00} in a XXXX debt on a credit card that was not my debt. He used threatening words saying I failed to appear in court and was attempted to be served 3 times under the wrong name. He asked personal questions that had nothing to do with a debt. I asked to speak to the fraud department numerous times as well as asking for a manager.  He did not give me a number and continued to use threats of FTA and arrest. He gave me a supposed court docket number that wasn't accurate as I looked it up on the public judicial site in my state. Hoping to get some assistance as to what I can do about this issue and hopefully help others who may be going through something similar.