davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with first premier that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not use credit cards a lot nor do I check my credit report I have also made a police report.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (LA)

In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of XXXX.
Consumer complaint received 2024-01-30
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2018-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Credit Management, LLC (WA)

I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.
Consumer complaint received 2020-10-12
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. (VA)

i got a car from XXXX XXXX  and the whole time i paid my payment on time and then i have came very very sick i had got XXXX in my XXXX i was out off work and still out of work and was paying my payments what was left in my checking acount ... So one day i wake up to go to the docter my car was repoed i call XXXX about it they say i was 3 months behind i said how and they would not tell me nothing so a month later experian had it on my credit was so many late dates 120 30 60 day lates still t this day i dont know whats going on but i did research on credit company they have to follow the law XXXX  AND XXXX  has remove the item but experian will not i know its a law in the book says if one credit company remove a item the other 2 should do the same but i disputed this item was experian to many times and comes back verfiled and still dont tell me the FACTS so today i want the cfpb step in and help me to get this account remove or fix all late dates remove asap the account number is XXXX
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX 
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

Over the last couple of years I have been going through extreme financial hardship. In order to work with the XXXX banks that I have credit cards with, I was given the option by each of them to close the cards in order to get both lowered payments and lowered rates. I explained to them all that I have very little income and I am definitely a hardship case. Chase bank refuses to lower the interest rate as they say " that is not something we can do ''. Chase says they can lower the monthly payments, but they " can't '' lower the interest charge of 19.4 %. Every other bank did it ... .I 'm not sure how Chase bank is different despite my telling them that I am definitely a hardship case ... ... ... and I have paid my monthly payments in full and on time since XXXX
Consumer complaint received 2018-02-21
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. (GA)

A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.
Consumer complaint received 2022-09-11
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 XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

5 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 an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-15
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. (NV)

I submitted on XX/XX/2020 to all 3 major credit bureaus a method of verification letter. Prior to this all 3 bureaus stated that the disputed information ( bankruptcies ) were verified by XXXX a 3rd party. I contacted XXXX and received a letter stating that they were unable to verify that these accounts were mine so they deleted them from their records. None of the credit bureaus followed suit. I also sent the disputed information regarding names that appear on my credit report along with unauthorized inquiries. I have had no avail and it's beginning to be very frustrating to say the least.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

Completed XX/XX/2020 PayPal - negative {$1400.00} XX/XX/2020 Transfer PayPal - negative {$1400.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/year> a letter was sent to EXPERIAN to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

I emailed Chime Support asking for the ability to do remote deposits on XXXX They responded by email on the XXXX with freezing my count and telling me I had 3 days to respond with a long list of things to verify my account. 

I followed up with all that and then some as instructed by replying to their email on the XXXX. 

I never heard back if they received it or if i attached everything requested. 

Because they made threats of making a decision within 3 days if I didnt include it, I followed up with another phone call. 

Was told they didnt get items that were attached in that first email. I responded again with the items a 2nd time. 

Spoke to a manager who said that department was a separate department with no way of them contacting them. Was told we would hear back in 24 hrs. 

Received an email shortly after saying there was a new timeline, outside of the 1-3 days of the first email. 

Each time I call in, I verify my name, address, SSN, transactions, my phone number gets verified, I verify my email address as well. 

They should be able to easily to verify me multiple times and ways but they are not following their own timelines when its convenient for them. 

They tell me one thing and timeline but never stick to it and no one makes any effort to communicate, just locks me out of my funds. 

They then hide behind that the investigations team is only able to be reached by email and not by phone, that there was no way of us communicating with anyone from that department to try to further resolve and verify it. 

When we asked to speak to a manager, we would just get rerouted to another customer service agent and not an actual manager with any different authority. 

I asked who their department was that handled CFPB complaints and is set to resolve issues of their is a complaint. Was given more run around. 

Changing time lines, asking for the same documents multiple times, saying no one can be reached to resolve anything, itd a mess and they are stealing my money. 

Just requested they close it out and cut a check to the address on file and they still his behind the investigations team that no one can talk to is the only people and thats when they then quoted the 45 days and ref e. 

So they just site rev e and are compliant when its convenient for them
Consumer complaint received 2020-10-12
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. (IL)

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX inaccurate DEPT OF ED/XXXX  XXXX inaccurate XXXX  XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MT)

So I started getting text messages from XXXX XXXX saying that my card has been locked and unlocked over and over again. And when I called customer service. I'm informed them that a card ending in XXXX was being used. She advised me that. My phone number was attached to this account. But it was not my name. She said the name was XXXX, but could not give me any more information because Even though I had my number associated with the account. She could still not give me information because it was not my account.
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IN)

A letter was faxed on XX/XX/18 to IC SYSTEMS inc ON BEHALF OF A BALANCE REPORTED ON MY CONSUMER CREDIT FILE THAT I C SYSTEMS WAS INFORMED IT WASNT THE CORRECT ACCOUNT NO CONTRACT WAS EVER ESTABLISHED WIT THEIR BUSINESS NO LETTER ORVINFO RECEIVED IN LIEU OF SUCH DEBT IT NEEDED TO BE REMOVED IMMEDIATELY OR I WAS REPORTING TO CFPB AND FILING SUIT.
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Ive attempted to call and email Net Credit to bring my loan account current. Net credit never answers the phone nor email me back. Net Credit doesnt have an option online to make payments or update automatic payment ACH information. Net Credit reported me 30 days past due and it made my credit score drop. I have worked hard to rebuild my credit and they need to fix the error. I do have emails to support that Ive tried contacting them. Please help me. Thanks