davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

The {$900.00} taken from my balance by paypal with this transaction id : XXXX is 100 % FRAUDULENT and I can prove this by explaining the way we conducted our business which I can say with full confidence was completely up to paypal standard that's communicated in the paypal user aggreement from start to finish that means everything from what we sold to how we sold it as well as under what terms. 

What we sold and for how much : Digital products and remote services in the mobile game niche and this category is supported by paypal as it is not among the prohibited product categories in your user agreement and our most expensive product was {$230.00} which is supported by paypal as well. 

When and what we fulfilled : Each order was fulfilled within 24hrs of its creation and every order was exactly as described. 

Other evidence : we had multiple repeat orders which is proof our customers were perfectly satisfied with the orders they received. Furthermore we provided 24/7 live support to customers in case they needed support with their orders and we offered a generous 30-day refund no questions asked refund policy we honored every time a customer requested a refund. 

As you can see based on the evidence I just provided, the limitation of my account and the money that was taken are not deserved and is the result of a bad investigation that gave an unfair analysis. Clearly the money should be returned to me and limitations be removed since I can assure you, based on the evidence above, no violations were made to the paypal user agreement policy.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (MI)

West lake Financial, Had incorrect payment information on file. Had not been charging correct amount for years as they placed a interest rate on vehicle that was so criminal that any payments made toward the car made no difference ( 4 years of payments and start amount and ending amount are the same ) They then took car said they would not update file until {$2000.00} was payed. When amount was payed they blocked caller and kept file at XXXX Highest amount on account was XXXX in 2020, Charge off amount was XXXX Refusing to update any payments
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

There was an issue with my payment account so the payment was returned. I have corrected it but the credit card company still charged a returned payment fee. The fee was charged multiple times and increased with each attempt it tried to withdraw money from my account e.g. {$25.00}, {$30.00}. I contacted them but they only removed the {$25.00} fee. 

The credit card is provided by Elan Financial Service.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (AL)

I didnt receive proper notificationof the collection, I didnt have opportunity to dispute this account, I didnt receive letter or and option to respond to this account if Exeter finance sent my a letter can Exeter Finance please send proof of the letter signed via mail
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (NC)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XXXX XXXX, 2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2016-03-01
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed (OR)

Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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 immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Since XX/XX/XXXX there has been a COVID mandate where all student loans including Parent Plus loans should not be charged interest. We consolidated our Parent Plus loans FFELP with Navient XXXX of XXXX. We have been making our payments all through COVID and they have been charging interest and late fees. I called them yesterday and spoke to an off shore representative that told me that only the direct loans qualify not to pay interest. I would like all interest payments refunded to me. 
Thanks you
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Rosebud Economic Development Corporation (IL)

I FILED A COMPLAINT WITH YOU AGAINST XXXX XXXX ON XX/XX/2018. THE COMPLAINT NUMBER IS XXXX. WITHING A WEEK, I RECEIVED A RESPONSE FROM YOU AND THE COMPANY, XXXX XXXX. XXXX XXXX SENT A LETTER ATTACHED TO THE RESPONSE THAT DUE TO THE FACT THEY HAD ISSUES WITH THEIR SYSTEM AND NO ONE COULD CONTACT THEM EITHER ONLINE OR PHONE, TO CONSIDER MY ACCOUNT SETTLED IN FULL. NOW THEY WANT A PAYMENT. I ASKED TO SPEAK TO SOMEONE IN THE XXXX XXXX   COMPLIANCE DEPARTMENT AND THE AGENT SAID SHE DID NOT HAVE A NUMBER FOR THAT DEPARTMENT. I NEED HELP. XXXX XXXX NUMBER IS XXXX. I STILL CAN NOT CONTACT ONLINE.
Consumer complaint received 2017-03-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (CA)

I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company (SC)

Frost-Arnett Company , are debt collectors attempting to collect a medical debt {$640.00} ( or any variations ) on behalf XXXX XXXX XXXX XXXX XXXX I have not received any services from Frost-Arnett Company , I am not a party to their agreement XXXX XXXX XXXX XXXX XXXX I have not agreed to pay/ tender anything to Frost-Arnett Company , I have not provided any releases of my medical information to Frost-Arnett Company, and I have no idea how Frost-Arnett Company obtained my private medical information .

Frost-Arnett Company , violated my H.I.P.P.A. rights and are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to Frost-Arnett Company XXXX 
Frost-Arnett Company failed to provide the accounting in accordance with G.A.A.P. Frost-Arnett Company failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Frost-Arnett Company failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per the XXXX XXXX XXXX XXXX  Frost-Arnett Company continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I hope this message finds you well. I am reaching out regarding my credit file. After contacting XXXX XXXXXXXX and XXXX about the accounts on my credit report, it's clear they can not provide records for the mentioned accounts ( XXXX XXXX XXXX and XXXX XXXXXXXX ). However, both companies acknowledged the situation and agreed to update my credit file.
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown’s New Credit Bureau Inc. (MD)

To whom it may concern : This debt has never been validated or verified. I have no recollection of the addresses listed, I have no knowledge of the XXXX  disputes, I have no recollection or first hand knowledge of ever being in contract to do business with Brown 's collection Service. If the the true bill of XXXX XXXX received can be upload or the blue ink signature contract agreeing to this alleged debt is owed, I will agree to settle the account. If those particular documents can not be produced, I demand that the debt collector stop reporting on my consumer report and delete the account. This is beginning to look like we need to reach out to TIGTA in order to rectify this situation.
Consumer complaint received 2023-08-12
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

My identity has been stolen for years along with every phone number that I have had. I just started a new bank account which I had trouble with even starting with my social security number in the first place but eventually the banker was able to process everything. 
Now, upon looking at my bank online I see that my account was accessed from a XXXX XXXX numerous times. I don't have and have never had a XXXX or accessed my information on one.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (TX)

I was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (OH)

I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. XXXX XXXX is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company XXXX XXXX XXXX ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. XXXX XXXX never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from XXXX XXXX. 
XXXX XXXX retaliated on me as if this is a personal issue. Please see ALL attached evidence.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (CA)

This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

My XXXX payment to XXXX XXXX was made perfectly on time XXXX ( due XXXX ) and yet I was assessed a {$30.00} late fee on XXXX. They have rectified this after 3 phone calls. I am still concerned that my XXXX payment is only visible online in their system under the " Transactions '' tab but it is not reflected on my Statement... anywhere. Their excuse was a " system update ''. I am concerned that this could have happened to many more people and the CC company is raking in extra cash for bogus late payment fees. It is very sketchy that my XXXX payment is not reflected on my statement anywhere. I felt the authorities should know about this sketchy circumstance.
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I sent you documents of an alleged debt over 30 days ago of a debt you are saying with a certified letter with a return recipe requesting 8 specific items to prove that I owe the debt you are alleging and I did not get any response from you. Your stamp on the return recipe tell me you have my correspondence.
Consumer complaint received 2024-04-14
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
15 U.S.C. 16815-2 ( 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. 
XXXX
Consumer complaint received 2020-07-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NJ)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.