davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I paid cash to my Wells Fargo Bank for a cashiers check to pay my mortgage. Mailed a cashier 's check for {$1500.00} to my mortgage company the same day. By XX/XX/XXXX the cashier 's check still had not reached my mortgage company. I did talk to my mortgage company they told me to give it a couple days mail was slow because of XXXX. I then waited till XX/XX/XXXX to see if they received it they had not. That's when I went to my bank to have a stop payment put on the check. That cost me {$31.00} at my bank .The Wells Fargo representative that I placed the stop payment with told me that I would have to wait 30 days before the money would be refunded to my account, and that I would not have to come up to the bank personally. Now on XX/XX/XXXX my mortgage company sent a letter to me stating notice of return check for the sum of XXXX have been returned to us by your bank for the following reason stop payment. XX/XX/XXXX would have been the date for the {$1500.00} to be put back into my account which do not happen. I keep getting the runaround from the bank and my mortgage company. My bank keeps telling me I need the original check so they could refund my money and a mortgage company keeps telling me they sent my bank a photocopy because mortgage company destroyed the original check. Bank says pretty much photocopy won't work and it may take three years to get my money back do I have any recourse? thank you.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2020-04-24
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have disputed two collection accounts with Portfolio Recovery Associates for several months now. One particular time recently a certified letter was sent and was shown as " attempted delivery '' for what has now been about 5 months. I would like PRA to provide me the contractual agreement between myself and them that says that I am liable for the charges that they claim I owe. I have only been sent print out statements that does not prove that I XXXXXXXX XXXX  XXXX opened any accounts with Portfolio Recovery. Please provide the full audit trail for the information that you have on file to include how the debt occurred, whom the original creditor is, a signed contract between me and the original creditor, the amount that Portfolio Recovery paid for the debt and something showing proof that a contractual agreement exists between the original credit, Portfolio Recovery that makes me liable to pay them. I have also attached a letter that has been sent to Portfolio Recovery 's dispute department and has not been acknowledged.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates, LLC ( Debt Collector ) XX/XX/XXXX, {$2600.00}, I disputed this charge but it was sent to a credit collection bureau named Portfolio Recovery Associates, LLC and its not being removed on my credit report. 


XXXX XXXX XXXX  XXXX Credit Card ) XX/XX/XXXX, XX/XX/XXXX, {$1100.00}, I disputed this charge but they want me to pay when this wasn't my debt either this charge won't come off my credit repot either.
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal.com Offsite not on XXXX. 
XX/XX/20 {$71.00} Seller XXXX XXXX Never received item and wrong usps track delivered number ... not me.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bus Admin XX/XX/XXXX I also have a fraud alert on my credit profile as well
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-04
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. (PA)

I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

Equifax and XXXX acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove this account as soon as possible! 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2021 Type of Account : Collection Balance : {$170.00} Account Number : XXXX
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Barclaycard Arrival Plus Mastercard using my legal name on the application. Barclay could not give instant approval and communicated that the application was being processed. I did not receive any other communications or a request for additional information from Barclay. A card issued to my maiden name ( no longer my legal name, and never used on the application ) was delivered to me two days later ; I contacted Barclay to close account due to their inability to process my application accurately and my concern over their misuse of my information. When I contacted customer service I was never notified of any posted charges ( I contacted customer service the day after the card was received and had not set up an account online or activated the card ) and the account was closed. When I asked for confirmation that there was a XXXX balance on the closed account the customer service representative informed me there was a {$15.00} balance on the account for expediting the card. I asked for the fee to be reversed since the card was not issued correctly and the account was not set up using my legal name. The customer service representative said they were not able to waive the fee, and said they would submit my request for escalation.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My wife and I have an account with Capitol One. Recently we are receiving unknown -- caller ID number calls ... XXXX. A recording states to call Capitol One. No names or reason. When called, was told wifes account was late. We said OK, but stop the collection calls. Capitol One refused to stop calls till account is current. These calls start around XXXX XXXX till XXXX XXXX. Weekends and holidays when their office is closed. This harressment will NOT help our finances pay faster, and only adds to our frustration.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Searching for ammunition for a shooting competition, I found this online site ( XXXX XXXX XXXX  ). I XXXX  the site to make sure it was a real location, and when it turned up as a legitimate business in New Jersey, I proceeded with using the site. Submitting the order on the XXXX of XXXX, for {$1100.00}, it processed through. I was contacted by the " shipping company '' ( XXXX ) that the store uses, claiming I needed to pay an additional $ 1400+ for shipping fees, insurance, and a " diplomatic seal ''. 

At this point, fairly certain it was a scam, I contacted the help center of the site only for them to tell me that it is a normal practice for that amount of ammunition. I contacted again, requesting a refund, and received no reply. I contacted the phone number on the site, and reached someone at the " store '' who told me the manager handles online orders, and would be out till the XXXX of XXXXXXXX Waiting till the 1st,  I again tried to contact them with no results. 

Today, I contacted the store using the XXXX business page, only to be told that they do not have a storefront, and that they have been receiving multiple calls about their online store. I contacted my bank ( JP Morgan Chase ), who has told me that my money is completely lost and that there is no way for them to recover it, due to it being processed by their partner XXXX. XXXX refuses to attempt to recover the funds, despite them having the email that the funds were sent to, which must have a bank account connected to it. Chase refuses to submit a fraud claim, since the money was accepted by the scammer and is considered a " completed transaction ''. I have no support from either financial institution, and both are telling me that they have no way of recovering my money. 

Both Chase and XXXX are unable to elaborate on why they are unable to pursue the issue, other that than in their lengthy and fine-print filled disclosures, they offer no protection for personal transfers. But their site and application suggests using XXXX to pay for bills and other official items that would never be considered a personal transfer from one person to another. I don't understand why they are unable to track the funds, as both parties surely must have a digital trail of where the money has been sent. 

This site is still up and operating, and I am still trying to find some way to recover my money.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.
Consumer complaint received 2020-04-24
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. (GA)

The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa Gift Card via email for online purchases. Somehow the information was stolen and the card was used to purchase gas in a city XXXX miles from me. 

I have tried to file a dispute with customer service, but they do not help. They either hang up or refuse to write down my information correctly. 

The Vanilla Visa gift card provider doesn't care about fraud
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

There are multiple debts being reported on my Equifax credit report without an original creditor listed. After multiple times of disputing the accounts with Equifax, simply stating the account did not have an original creditor or agency listed in order to validate the debt nothing has been done to rectify the current inaccuracy nor has there been any removals of the accounts that are listed incorrectly. 

These accounts are also being duplicated ( see attached letter mailed directly to Equifax ) I have not received mail or responses regarding these accounts either.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc. (NV)

Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (PA)

To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. Thank you.
Consumer complaint received 2022-02-23
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. (MA)

On or before XX/XX/2020, Equifax incorrectly assigned personal information and credit history information that belonged to a " XXXX XXXX ''. Mr. XXXX had numerous open credit accounts that were overdue and unpaid for, affecting my credit score. It should be noted that XXXX and XXXX did not report or associate this information with me. 
In XX/XX/2020, I had to purchase a vehicle and was denied by multiple lending agencies for having 'bad ' credit, which I was confused by ( never missed payments, kept credit utilization low ). Had to take a loan with a higher interest rate which has cost me additional money. 

After the first dispute, Equifax removed the wrongly associate name and addresses of " XXXX XXXX '' but kept one of his open credit accounts. I have attempted to dispute this claim and Equifa
x refuses to take it off my credit report, affecting any opportunity of getting another loan or credit card, while costing me thousands in interest.

I have contacted the credit lending agency, XXXX XXXX and they have told me that there has never been and is not any open accounts using my personal information.
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (TX)

I made a transfer via PayPal from my linked bank account to my brother. PayPal advertises that those types of transfers are free. 

I received a notice from PayPal indicating the payment came from my bank account and saying my brother will receive {$2000.00}. 

My brother got a notice from PayPal indicating Money received + {$1900.00}. 

In other words, PayPal misrepresented to me that there was no fee, but PayPal charged the {$58.00} ( 2.915 % ) fee to my brother and delivered only the net proceeds to my brother.