davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2024, I received an email from XXXX XXXX stating that my order was delivered. But the problem is that I have never ordered anything from XXXX XXXX. Since the payment for the order was unsuccessful from my bank PayPal claimed, PayPal " fronted '' the payment of the {$590.00} to XXXX. My PayPal account only had. {$0.00} in the account and PayPal has previously denied me a line of credit. So I contacted XXXX XXXX and they basically said that they would look into it and get back with me, of course I have not heard anything from them yet. I then disputed the unauthorized transaction with PayPal and after a few days they claim that it was not an unauthorized transaction and that no XXXX party has access to my account. As the shipments from XXXX XXXX to the buyers address are still happening, I am trying to get the deliveries to be halted until this can be settled, unfortunately the deliveries were still made. The address in which the XXXX XXXX orders were delivered to is not my home address in fact it's XXXX miles or more away from my home. The deliveries were made to a place in Oregon and I live in Illinois. I then disputed the charges a 2nd time and was told that I would have answers by XX/XX/2024. I have records of the orders to XXXX XXXX, the tracking numbers of the products that were provided by XXXX as well as the emails from XXXX and XXXX XXXX and I also have screenshots of the conversation that I had with PayPal stating that PayPal " fronted '' the payment for the XXXX XXXX order. The XXXX XXXX order is 5 hooded jackets, all the same size, same color and same style, the total price for the order is in the amount of {$590.00}. PayPal has been adamant that I made this order and I most certainly did not. I recently won a small class action lawsuit for the total amount of {$23.00}, which PayPal took that money and put it towards the negative balance I have on my PayPal account because of the XXXX XXXX orders. I keep very little money in my PayPal account and only go deposit money into my PayPal account if I am purchasing something online and I'll only put the amount needed for the purchase I am making. I have had others deposit money into my PayPal account for donations after my home burned down as well as donations for a friend who had XXXX and people were buying XXXX support shirts. But otherwise I don't keep large amounts of money in that account for reasons such as this. And now it's XX/XX/XXXX, I haven't heard anything from PayPal nor XXXX XXXX. As I mentioned above I do have emails and screenshots of the orders and the deliveries. 
Also my online banking has stated that no such charges from/for XXXX XXXX charge was made to my account as they would have denied it as I did not have that amount in my actual bank account either. If PayPal denied me a line of credit but they fronted a payment of {$590.00} to XXXX XXXX and they didn't find it suspicious? 
XXXX XXXX ( XXXX ) is my online banking institution
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SD)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MO)

First Progress is in violation of FCRA. I've received an updated copy of my consumer reporting stating a 30-day late payment in XXXX. We're in the month of XXXX. 
The balance still had not been updated to {$0.00} as it still shows a {$330.00} balance on the account. 

There is no late payment for the month of XXXX on this account. Due for XXXX was XX/XX/XXXX a full balance payment of {$330.00} was made on XX/XX/XXXX.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2023, I received an email from PayPal regarding a negative balance of {$110.00}. I have not made any transactions on my PayPal account, and logged into my account to check the negative balance. My account had been hacked ( a quick XXXX search reveals that approximately XXXX accounts were hacked in early XXXXXXXX XXXX XXXX ), and was changed to a Business account without my knowledge, with an address in Tennessee ( I am in Maryland, and have NO connection with this business ). While there is NO bank account OR card linked to my account, the hacker was able to make several transactions, as they were running a fraudulent business selling items online. The buyers filed a dispute with PayPal due to never having received the items ( again, I did NOT authorize these transactions ), and filed a charge back, which PayPal applied as a negative balance to my account. I did NOT authorize these transactions, and therefore, should NOT owe the {$110.00} that is said I owe. I NEVER received ANY notification of account changes or transactions made on my account. This appears to be a violation of Federal law, which usually requires the company ( i.e. PayPal ) to notify consumers as soon as they are notified of a data breach, and even provide free credit monitoring for at least a year. PayPal did NOT do this, and I was ONLY notified of the negative balance on my account, and had NO chance to report the transactions as fraudulent. PayPal keeps sending the same generic message to me through their Message Center as a reply to my messages, which has nothing to do with my concern. I need the unauthorized negative balance to be removed from my account. I do not want these fraudulent charges to appear as a collection on my credit report.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I received a noticed in the mail from Discover stating that my monitoring had been stopped which prompted me to call them on XX/XX/XXXX and they said they had sent me a letter in the mail stating my account was going to be closed if I did not use the card back in XX/XX/2023. I never received the letter so I had no idea my account was going to be closed or I would have made a charge on the card I am completely paperless with them and never received an email with this information. I have spoke with them on XX/XX/XXXX and XX/XX/XXXX and they are refusing to reopen the account or do anything to rectify the situation. They said the will pass along my complaints about it receiving the letter and thats it.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

My chase bank gives me big fees when my utility company charge me and it overdrafts my account, I called them to decline any such charges when my money is low. They said that they wont do it they have to make it as a bank loan, and I should call my utility company, but they dont wand a debit or credit card.
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc ()

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Below is the item I'm needing to verify as accurate. 

Hunter Warfield INC with an open balance of {$6000.00} Opened XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

I pulled my credit report and an account to Flagship credit acceptance is showing past late payments in my credit history. I sent a letter to all XXXX major credit reporting agencies to dispute the accuracy of the account and asked them to provide proof of the late payments that are being reported in XXXX. These letters were sent via certified mail on XX/XX/XXXX and to date I have not been provided with the information requested nor has the item been removed from my credit report.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC (MO)

I received a bankruptcy discharge in XX/XX/XXXX. In XX/XX/XXXX, Receivables Performance Management opened a collection account, reported to the 3 credit bureaus, to collect a debt discharged in my bankruptcy in XX/XX/XXXX. I have contacted the company 3 times, each time having no record of be submitting the bankruptcy information the previous time. The collections account appears as delinquent on my credit report, affecting my credit score negatively.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I submitted a change to my AUTO DRAFT AUTHORIZATION to Carrington Mortgage that took them 96 days to process and put in place ( submitted XXXX/XXXX/2015 ). Because of Carrington 's failure and negligence to process the auto draft authorization request in a timely manner ( 45 days as stated in their form ) the XXXX 2015 payment was drafted late and is effecting my credit. I have sent several requests in writing to Carrington Mortgage and have been getting the run around from them. First Carrington responded with a letter saying that the request required a TRUE Signature. I submitted the request again with a TRUE signature and received a response that the signature did not match what they have on file? I again submitted my request and never heard back from anyone. I do n't know who 's signature they claim to have on file that does n't match mine? This practice is not acceptable!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these fraudulent items on my credit file ASAP.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TN)

I recently opened a bank account with Discover. I received a check of {$1800.00} from XXXX after having a wreck. I used Discover mobile deposit to cash that check on XX/XX/XXXX2022. Yesterday on XX/XX/XXXX Discover emailed me stating they noticed suspicious activity on my account and to call them for more info. 

When I called I was told my account had been closed and they would be mailing my funds via a check. They also said that the check would not be sent until 60 days after the initial deposit. I asked to speak with a manager but the Discover agent refused. I asked to know why my account was closed and the Discover agent refused. 

I called XXXX to cancel the check but they let me know since the check is seen as cashed in their system, there is nothing they can do. 

Why didnt Discover call and verify the check with XXXX XXXX Why was the check cashed if it was suspicious? Discover has robbed me. I have been stolen from.
Consumer complaint received 2023-10-16
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (MN)

Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

Sent XXXX to XXXX  thru Chase Bank in various amounts from XXXX to XXXX of borrowed money bought XXXX And sent to a site to make foreign currency exchange the site was XXXX pro-live it turned out to be a fake site set up by the XXXX I have pictures, receipts a lot of information I did file a police report that went nowhere The time frame was XX/XX/XXXX - XXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST HORIZON BANK (TN)

The main reason for writing this is to request a review of my negative remarks on my account by XXXX XXXX XXXX, now First Horizon Bank who initially declined my request after contacting them. 

I am kindly requesting the removal of a negative remark on my account from all three credit reporting bureaus for I am petrified I might end up homeless. 

My main issues started at the time when I moved to campus for my XXXX year in XXXX  was going through financial hardship. 

I took a back foot and was not able to make any payments during that time. 

I will attach proof of XXXX  status at that time through my enrollment verification. 
Kindly please review this document. 


I am requesting a review more so now after all this time is mainly because. 

First, I currently feel stuck and I am in emotional stress since my roommate is currently getting ready to move in with his girlfriend and it is not possible for me to live with them anymore. 

I met with my roommate when I moved to California for a job immediately after graduation With this being a big shift, going out on my own to a different city, It was hard for me to find a place to stay. 

Luckily, this was when he decided to help me which was meant to be temporary as I was finding a place to stay However, I ended up staying for a year. 

Secondly, because of the negative remark on my credit card. 

Nobody deems me credible even though it is not the case. 

I was desperately seeking help and did a XXXX search on how I can get my credit fixed online At this time, I was trying to find a place to stay after my temporary stay was coming to an end. 

The simple search led me to a credit repair company that promised to help me delete the account legally and fast within a specified time. 

Nothing specifically changed and I looked for a solution from other credit repair companies who promised heaven but delivered nothing basically. 

But again, nothing really changed, and it is during this process that they all advised me STOP MAKING payments. 

They claimed that it will be easier for removal, and in the process, I was still getting charged upwards of {$100.00} a month for this. 

Since nothing seemed to change, I felt betrayed, lied to, and scammed. This has left me in a very depressive and mentally challenging state. 

A sample email I sent to one of those companies complaining about their service is attached below Hence, therefore, I finally decided to reach out to you for assistance. 

I'm kindly requesting that my negative remark removed from all 3 credit bureaus. 

This is in hopes that when my roommate moves his girlfriend in, I will be able to find a place to live. 

Kindly looking forward to your response and consideration of this matter. 


Yours, XXXX XXXX,