davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NC)

I thought I purchased a door stop as a gift on XXXX website. The only way to complete the transaction was through PayPal 's 'Send to Friend'which I should have red flagged. There was no communication, no confirmation from the website about my order, nothing, nada zip. I emailed the address on the website and the email bounced back. I contacted the XXXX seller, nothing. I looked up XXXX and it is not legit. I then called XXXX XXXX who has always reversed fraudulent transactions- this time they gave me PayPal XXXXs #. PayPal was no help and basically said the purchase was fine on their end. How so? I wasted {$39.00} on a product my brother never received!! PayPal should be held accountable and I should be refunded the money that XXXX XXXX stole from me. Thank you,
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.
Consumer complaint received 2016-09-26
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: OLD NATIONAL BANCORP (WI)

I was a customer at XXXX in XXXX Wisconsin but Old National Bank took over and WITH OUT my permission automatically set up the autopay on items that I LEGALLY had intended not to pay due to findings of a state of wisconsin result of their investigation I now have a -XXXX in my checking account due to reoccurring NSF ... I 'm livid and want this mess cleared up. I also have a feeling old national bank kept me from cashing my payroll check so I starved all weekend. Straighten this mess so I can bank elsewhere.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

I have contacted Equifax and XXXX by mail on XXXX separate occasions about correcting my personal information. I have sent in multiple copies of my identification card and my mortgage statement showing the correct name and address. They are refusing to update this information which is linked to multiple negative accounts that DO NOT belong to me! This is damaging my credit report as I have not been able to apply for anything in the past 2 years.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.
Consumer complaint received 2015-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NE PROCESSING LLC (UT)

North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I am reaching out in hopes that you are able to assist me in getting my money back from a scammer. On Friday XXXX XXXX, I sent {$240.00} via Zelle to a seller named XXXX XXXX XXXX XXXX ) for a jumpsuit I was purchasing from her on the popular ecommerce website called XXXX. I found her listing on there and after several back and forth bargaining she said she'd accept my offer if we did the transaction directly to avoid the 20 % seller fee from XXXX. After the payment and several follow-ups, I have not received any tracking information or updates. She stopped responding and has blocked me on XXXX. I've reported this incident to XXXX, Zelle and XXXX, but none of them are able to help me get my funds back, so I would very much appreciate it if you can assist in any way. 

The scammer 's Zelle account is under her phone number XXXX, and XXXX XXXX was the name she gave me. I also know that she lives in the west coast from our chats. 

Please let me know if there is any additional information or details needed.
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

Hello CFPB, I have been a victim of Identity Theft and Central Financial Control continues to ignore my rights under the FACTA among other federal mandates. I noticed a couple of fraudulent accounts under my name and began my fight about 1 years ago. Central Financial Control has receiv ed 3 letters  from my since  XXXX . I have even faxed over the documents and still nothing. Please help me resolve this so I can continue on with my life. This company needs to be investigated for their practices.     Thank you,  XXXX
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

HI MY NAME IS XXXX XXXX XXXX AND I WAS JUST ONLINE CHECKING MY CREDIT REPORT OUT AND I NOTICED THAT SOMEONE WAS USING A NAME OF XXXX XXXX I NEVER USED THAT NAME AND IN THE FUTURE ONLY ACCEPT THE NAME OF XXXX XXXX XXXX S.S # XXXX
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO EXPERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND EXPERIAN KNOWS THIS. 

1. XXXX ON XXXX XXXX XXXX : REASON UNSPECIFIED 2. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 3. XXXX XXXX XX/XX/XXXX : REASON UNSPECIFIED 4. XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 5. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 6. XXXX XXXX XXXX. XXXX XXXX XXXX : REASON UNSPECIFIED 7. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 8. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 9. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 10. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED Experian has been notified in writing on XXXX separate occasions about these being removed. Instead of removing them they just say that i requested a security freeze on my account or that i alerted them of ID Theft and that is NOT THE CASE and They are not to put any kind of freezes on my account. I am filing this complaint here because I want a record that I am not asking them to put a freeze on my account but I am asking them to remove the above inquiries because they did not have any permissible purpose as I was never offered nor extended any credit with those companies. On my credit report Experian specifically says we offer credit information about you to those that have a permissible purpose such as preapproved credit, employment, investor potentials, experian consumer assistance, mortgage completion or insurance underwriting. According to my records and research none of the above listed XXXX items meet any of these criteria and I am asking that Experian remove them immediately from my file and DO NOT PUT any freezes on my account as I am NOT asking you to do that and then immediately send me a new updated copy of my credit report.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXX, 2012 Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened  XXXX /2014  Details  Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN ; I am writing to let you know that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All of the accounts are not mine and I am a victim of identity theft. Please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (CO)

I have received many phone calls from the company Halsted Financial Services with the phone XXXX, located in Illinois, XXXX XXXX XXXX XXXX Il, XXXX but with a phone from Colorado XXXX, calling me insistently charging me {$4900.00} from a company that I have no idea who it is, what it is, they only located my name with that debt, which is NOT mine, therefore I ask for your help that I have to solve the problem. How they STOP to asking for collect money.
Consumer complaint received 2022-02-07
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. (TX)

I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.
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: SYNCHRONY FINANCIAL (NJ)

XXXX or synchrony bank is one of the worst company to have credit card with because its like deliberately derive joy in messing your credit up and will not correct their mistake. 
XXXX is reporting me as being late for months that I paid to them and effort to make them correct the erroneous information has not yielded any result. 
I used two different account to make payments to XXXX. One of the account was XXXX XXXX and it was closed in XX/XX/XXXX. The major account used is my XXXX XXXX XXXX bank account out of which payments were made on the following dates XX/XX/XXXX {$60.00} XXXX, XXXX XXXX {$25.00} XX/XX/XXXX XX/XX/XXXX {$17.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$35.00} There was no day or date that I was 30 days late or more according to the credit reporting furnished to the bureaus by XXXX/synchrony bank
Consumer complaint received 2019-05-28
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. (MA)

I previously had a freeze on my Experian account, which I lifted on a few months ago. Today, I tried to re-freeze my account. I wasn't able to online, and it didn't tell me what's preventing this new freeze. I did recently move, but I tried my new address, new address plus providing my old address, and old address alone -- none worked. I also tried either having Experian provide me a PIN, or having me supply one -- those also didn't work. I was able to freeze my credit with the other two credit reporting agencies without a problem ( a real freeze, not their proprietary lock services ).
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXX FIN - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX ONEMAIN - XXXX GA OWN CU - XXXX CAP XXXX NA - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX