davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX, 2016 I updated my Paypal account due to the fact that my debit card account number had been changed. That same date I made a payment of {$110.00} that was set to process from the previously existing primary account but the payment was extracted from THE NEWLY ADDED account! I have a clear history of " careful exact '' payment processing on ALL purchases made.Upon careful consideration of the only variable I can only surmise that the " error '' on Paypal 's part was in their processing of the newly added account information not to the account that was checked ( and double checked ) before submitting said payment. It was due SOLEY to the error in THEIR processing technique directly resulting in overdraft fee 's of {$40.00}. 
XXXX/XXXX/2016 Withdrawal at ATM # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$110.00} - {$89.00} XXXX/XXXX/2016 Courtesy Pay fee {$30.00} - {$110.00} XXXX/XXXX/2016 {$6.00} - {$120.00} XXXX/XXXX/2016 Courtesy Pay fee {$10.00} - {$130.00} Though difficult to access means of communication as soon as I was aware of their error I informed Paypal of the " situation '' and to date I have received NO response. Contacting their resourced " customer service is not a viable option. What I did receive was the attached suspicious email ( from Paypal? ) I did not respond by logging onto my account but sent the suspicious email to Paypal XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com AND HAVE RECEIVED NO ACKNOWLEDGEMENT OR RESPONSE either regarding the money taken in error or an explanation or acknowledgment of any issue including if my accounts have been compromised! 
From : " XXXXXXXXpaypal.com '' & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX Sent : Sunday, XXXX XXXX, 2016 XXXX Subject : paypal account access has been Iimited PayPal Notice to Customer, Your account access has been Iimited because we 've noticed significant changes in your account activity. As your payment processor, We need to understand these changes better. 
This Iimitation wiII affect your abiIity to : Payment for purchase Send or receive money Withdraw money Close your account What to do next : Please login Here to your account and provide the requested information XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com Message body On XXXX XXXX added an account ending in XXXX ( preceding and CAUSING YOUR ERROR? ). I then made a payment that was by Paypal taken from the WRONG ACCOUNT causing {$40.00} in unnecessary unjustified bank charges! 
In more than a decade I have never had an issue! 
I am POSITIVE I made the payment from account ending XXXX! Not the newly added account IN MORE THAN A DECADE I ALWAYS CHECK AND DOUBLE CHECK! A refund of the {$40.00} should be made immediately! I will wait 24 hrs! THE ONLY VARIANT FACTOR was in adding a credit card then though NOT MAKING A PAYMENT FROM SAME! 
A {$40.00} refund for your processing error made to acct should be processed immediately! 
I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS AND TO DATE HAVE NOT RECEIVED ANY RESPONSE!
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

Franklin Collection Services of XXXX, MS appeared on my credit report at the end of XXXX, XXXX. They allege I owe them {$80.00}. I don't know them, I have never heard from them, and I most assuredly do not owe them {$80.00}. XXXX, the nonprofit legal firm that assists XXXX, XXXX senior citizens  wrote them on my behalf at the beginning of XXXX. Helps told Mr. XXXX that I am an XXXX XXXX receiving only protected social security income, and that there was nothing to be gained here. Instead, Franklin Collection constantly updated my credit report on XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. This lowered my credit score 26 points. This was totally unnecessary and abusive, oppressive harassment in it's purest form. For the record, I have been an XXXX XXXX XXXX customer for years and they do not have a problem with me. So, I really don't understand why Franklin Collection Services took it upon themselves to harass a XXXX senior citizen in the middle of a global pandemic. My only concern right now with my underlying health conditions  is trying to stay alive. I would appreciate it if these folks would delete this from my credit report and just leave me alone. Thank you. Everybody stay safe and be blessed.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DC)

I have received multiple calls and repeated letters to my parents house. When I asked the caller for more information on the specific service for which I owe, they are unable to answer or give me any details. To my knowledge, I have never done business with the client requesting the debt, and without a specific date and service rendered, I said I was unwilling to pay it. The last letter I received was dated XX/XX/XXXX. 

Separately, the tone of the letter is threatening and unprofessional.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MO)

I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 I have attached a copy of my ID as proof of my identity.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

accordance with the Fair Credit Reporting act XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX
Consumer complaint received 2021-04-07
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: AFNI INC. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (AZ)

I filed a dispute online with Equifax regarding a negative account on my credit report. I have received email notifications that they are working on it and I can login to view the status. I can not login to view the status and after calling they wouldnt help me log in. They said they couldnt. My credit score with Equifax dropped XXXX points after I filed the dispute even though a dispute is not supposed to effect my score. Their answer to this was since I hadnt paid {$8.00} to get my fico scores through them they think Im lying and my score didnt drop due to the dispute. I also wont know what my resolution to the dispute is unless I call and ask. They refuse to give me anything in writing which is probably why I cant login
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX now.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NC)

In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt XXXX. Recently I noticed my credit score dropping as the charged off balance was " increasing '' every month. We disputed it with XXXX. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting XXXX but they stated they only report what the debt collection company tells them. I can't do anything about it. TD Bank was the debt collector.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CU Recovery, Inc. (KS)

XXXX Around XXXX I called CU Recovery after receiving a letter in the mail and spoke with XXXX XXXX XXXX He told me I was legally responsible for {$1300.00} that went past due in my father 's account because I had opened an account with him. I tried explaining to the man at the company that I never opened an account with my father and was not responsible for this debt. The exchange was less than pleasant on both ends and I disconnected the call. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke to XXXX. I asked to speak to a supervisor or manager. She asked me if she could help. I explained to her that I had received a collections notice in the mail and what I had learned from speaking with XXXX at CU Recovery. I told her I have never been to XXXX XXXX and don't recall ever signing anything to be placed on an account with my father. XXXX placed me on hold and then XXXX picked up the phone. I told him my concern, that I had never been to XXXX XXXX and don't recall signing anything to be put on my father 's account. He told me he couldn't find any authorization and that after talking to his credit department he would call me back. 

XXXXI did not receive a call back from XXXX, so I called back up to XXXX XXXX. XXXX answered the phone and I explained who I was, telling him I needed an update since I hadn't received a call back. He seemed surprised that no one called me back and said a gentlemen by the name of XXXX XXXX was supposed to have called me back, but he's in a different time zone so maybe that's why he didn't call. 

XXXXI still have not received a phone call and that's why I have decided to start a formal complaint. I don't know if they reported this against my credit, or how my name got added to an account without my signature or permission. I have no answers.
Consumer complaint received 2023-03-30
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. (MA)

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 Account # Account number : Account Name : XXXX XXXX  XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ME)

On XXXX I attempted to make a payment on my student loans on the amount of {$430.00}. according to the aidvantage records there was a " payment reversal ''. this is the same problem with a payment attempted on XXXX in the amount of {$870.00}. nothing has been credited to my account because of the payment reversal, and interest has been charged. This appears to be a common problem with this lender.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or about the XXXX of XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by Scammers DBA : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

I HAD A CREDIT CARD ACCOUNT WITH CBNA WHEN I WAS IN THE MILITARY. I MISSED A PAYMENT WHILE I WAS AWAY ON XXXX IN XXXX OF XXXX BUT I GOT MY ACCOUNT BACK ON TRACK. IN XXXX OF XXXX AFTER I WAS XXXX FROM THE MILITARY I FELL ON HARD TIMES AND I WAS UNEMPLOYED FOR A FEW MONTHS. THIS CAUSED ME TO FALL 120 DAYS BEHIND ON MY CARD PAYMENT. WHICH CAUSED CBNA TO CLOSE THE ACCOUNT. THIS WAS ALSO DONE WITHOUT MY KNOWLEDGE. I WAS NOT NOTIFIED OF THIS AND CBNA WAS AWARE THAT I WAS UNEMPLOYED AND FELL ON HARD TIMES. WHEN I WAS FINANCIALLY ABLE TO I PAID THE ACCOUNT IN FULL IN XXXX OF XXXX. SINCE THEN THIS ACCOUNT BALANCE HAS BEEN PAID. THIS ACCOUNT HAS MANY DEROGATORY MARKS AND IS SEVERELY HURTING MY CREDIT SCORE. I AM REQUESTING THAT CBNA IMMEDIATELY STOPS FURNISHING THIS ACCOUNT WITH THE BUREAUS AND REMOVE THIS ACCOUNT FROM MY REPORTS. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. I AM TRYING TO PURCHASE A HOME AND IM UNABLE TO MOVE FORWARD WITH THIS NEGATIVE ACCOUNT BEING ON MY REPORT.
Consumer complaint received 2022-07-19
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2021 I received a call from Ally Bank fraud protection department that if I just made multiple withdrawals from my account. I said no. They asked if I had my debit card at hand, I said yes. The were other withdrawal attempts after but were refused due to this act. I disputed the amounts told and was refunded days later. There was an investigation made by the bank and their result was that the transactions were my liability since the pin number was entered only once and to them that claims that I withdrew the funds. I called and disputed again and they insist that the withdrawals were legit. I keep calling to dispute and still same result. These transactions in question were withdrawn at a location that was XXXX miles away. I even sent a picture of myself for comparison to the ATM photograph and still same result.
Consumer complaint received 2022-07-19
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. (CA)

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX