davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I sold a phone on XXXX for {$140.00} on XX/XX/XXXX at XXXX XXXX. The buyer paid via PayPal. PayPal in return placed a hold on my account for {$190.00}, which put my account negative {$45.00} overdrawn. 

I called PayPal and spoke to XXXX on XX/XX/XXXX at XXXX XXXX and he said his supervisor XXXX said they will only release {$15.00} now and then release the rest in 21 days. I told them that was ridiculous and that I was going to cancel the transaction then. 

Now that I canceled the transaction. The buyer on XXXX has not received a refund because PayPal is saying that they ca n't return the payment if your account is in negative. Remind you my account is not negative, prior to this deposit I had a balance of + {$0.00}. After the buyer paid me {$140.00} PayPal took enough money out in holds to bring my balance down to - {$45.00}. And now I can not return the buyer his money, nor give him his phone. So this makes my business look bad because of PayPal. This is clearly a scam by PayPal to hold people money so they can make money off of the interest in their bank account.
Consumer complaint received 2022-11-17
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. (CA)

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I called into XXXX to acquire documents that XXXX should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by XXXX supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the XXXX agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, Transunion ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX  XXXX Opened XX/XX/2017 allegedly owe : {$1600.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

The company involved is Binance.US, XXXX XXXX XXXX  Due to their automated system, they disabled my ability to trade and withdraw due to a chargeback. This seemed fair to me. However, even after the chargeback was " processed '', they state this on my account history, my trading is still disabled after over three weeks. Their customer support only responds to my email inquires with messages such as " sorry for the delay, we are experiencing many tickets ''. Further, they have no customer support phone number. They are literally holding a large portion of my net worth hostage due to their lack of customer support. It is ridiculous and frustrating. I believe the company should be held accountable.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (UT)

Kia Motor Finance - XXXX is reporting a late to my credit file that is erroneous. I had just bought the vehicle and was waiting for my first bill to come in the mail but it never came. I didn't have any in formation like acount number or balance to call and pay. I called them to let them know i didn't know how to proceed and they helped me out. It was not my intention to be late i just had no idea i owed them anything yet. I have made my payments since then on time and plan to keep it that way. I'm requesting that Kia Motors remove this late my credit file. It is not my fault that i wasn't billed and don't think this late way my fault. Kia Motors failed to communicate with me in a timely manner because even after my payment was due i never received any letters, notices, or calls about being late or i would have paid it immediately to avoid this going on my credit file.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (CA)

On XX/XX/XXXX, I paid a debt through GC Services Limited Partnership in the amount of {$500.00} to the XXXX XXXX - XXXX. That was over 8 years ago. Today, XX/XX/XXXX, I receive a letter, dated XX/XX/XXXX, stating that debt is delinquent. Isn't there a statute of limitations of 4 years? How many people are being asked to pay an 8 year old debt? How many people can prove they paid that 8 year old debt? This seems highly unethical. The letter is threatening, stating, " You have 30 days to voluntarily pay ... .before we submit your account to the XXXX XXXX XXXX ( XXXX ) for interagency intercept collections. 

GC Services Limited Partnership XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I was applying for a loan and was notified that Experian had the incorrect birthday on my account. I called Experian and submitted a dispute on XX/XX/2019 which I was told was resolved. I never received a mailed report of this resolution. I tried to log in on-line but was told that there was a problem with my account and could not log in. I called the number listed ( XXXX ) and spent an hour going through the automated system twice and the automated system told me that I could not access my information despite entering all my information correctly. I was instructed by the automated system to send a letter, but was not provided an address, and do not have time to write a letter before XX/XX/2019 when the dispute resolution will be unavailable. This is unacceptable and I am not able to speak with a human being. There is no recourse either on line or by phone. I am not able to speak to a person. I am requesting for the company to do the following ; 1 ) contact me in person to let me know about the dispute resolution, 2 ) provide me access to my account on-line.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A. (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by PNC Bank without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2017-09-14
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. (UT)

I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX
Consumer complaint received 2017-09-14
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. (UT)

I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX
Consumer complaint received 2022-10-07
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. (LA)

I submitted a dispute with Experian, XXXX, and XXXX regarding inaccuracies on my credit report with the debt collector XXXXXXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

I purchased a pre loaded Vanilla Gift Card with a preloaded amount of {$25.00}, using {$25.00} cash to make the purchase, and when I attempted to use it, a month later, could not. I did call the card shortly after purchase, and {$25.00} was the available and the card was ready for use. Upon attempting to use today, the 4th call to confirm the balance, the automated system stated there was an issue with the card. Speaking with XXXX, I was informed that I had to return to the merchant, to obtain the receipt, and send it to them, so they could verify the purchase.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (VA)

I received a phone call from a company that identified themselves as Midland Credit Management, they said that I had an account with them that I owed money on, and advised me they were looking for attorneys in my area. The call was on XX/XX/2020, I told them I didn't recognize it and advised I wanted a debt validation letter and wanted to cease and desist all future phone calls. I advised not providing me those details they would be in violation of the FCRA, and FDCPA. They persisted and had two people on the line trying to make me pay a debt I don't even recognize, they said I had the account for 3 years and made payments on it, and kept trying to force me to resolve it then and there. I again advised them that I'm not paying it, I'm not answering any more questions, to send me a debt validation letter. I advised that all future correspondence needed to be mailed to me. I XXXX the name of the company and it's a legit company, but I can't believe a legit company would be using these kinds of collections tactics in 2020.
Consumer complaint received 2024-03-01
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 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 f
urnish 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 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I paid my complete statement, of {$690.00}, 3 times. once on XX/XX/XXXX, and twice on XX/XX/XXXX. 
The repeated payment was due to rejected status - attachments to prove In the following month, I was notified that y account would be closed due to an excessive number of payments. I have received an electronic message with it but I can not access it anymore via the email sent, nor it is on my Message Center on my profile with the company I have asked the company to revoke this cancellation, stating that I was trying to pay and did so regularly - multiple times even before the due date. 

This cancellation has significantly impacted my credit score, which is already a struggle as a recent XXXX, trying to build up the score to buy a house and a car.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TN)

They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
Consumer complaint received 2022-10-07
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. (AL)

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Consumer complaint received 2020-11-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

N accordance with the Fair Credit Reporting Act NATIONAL CREDIT ADJUST Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2019-11-05
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. (FL)

XXXX and Experian are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.