davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (CA)

I made a payment to a XXXX XXXX, a XXXX company on XX/XX/2022 using PayPal. Pay Pal did not give me the opportunity to send US dollars. The only option was to have PayPal convert the payment to XXXX dollars. PayPal used a below market exchange rate ( XXXX ) to convert my {$2900.00} US to XXXX XXXX. The market rate on XX/XX/XXXX was XXXX, which should have resulted in my seller receiving XXXX XXXX. This is a difference of {$160.00} XXXX. The seller is now requiring me to send another {$100.00} US to cover the discrepancy. 

I believe that PayPal cheated us out of {$100.00} XXXX by using this below market exchange rate and would like CFPB to compel them to use a market exchange rate, and reimburse us for {$100.00} US. 

Here is the receipt for our payment : You sent {$3700.00} XXXX  to XXXX XXXX XXXX XXXX XXXX  YOUR NOTE TO XXXX XXXX XXXX XXXX XXXX Final Payment for XX/XX/XXXX XXXX XXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX XXXX XXXX  XXXX Funds will be available to your recipient on or before : XX/XX/2022. 
Money sent {$3700.00} XXXX  = {$2900.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$2900.00} USD This transaction will appear on your statement as PAYPAL XXXX XXXX You paid {$2900.00} USD XXXX XXXX XXXX XXXX XXXX XXXX receive {$3700.00} XXXX  Recipient may receive less due to foreign taxes. 
This rate includes a currency conversion spread. 
Shipping Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX United States Here is the information on the transaction showing the conversion rate that PayPal used : Paid with credit cart -- information deleted You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$2900.00} Exchange rate {$2900.00} USD = {$3700.00} XXXX  XXXX USD = XXXX XXXX  Ship to ( name and address deleted ) Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Note Final Payment for XX/XX/XXXX XXXX XXXX XXXX Details Sent to XXXX XXXXXXXX XXXX XXXX XXXX  {$2900.00} {$3700.00} XXXX Total {$2900.00} {$3700.00} XXXX  We have called PayPal three times, twice on XX/XX/XXXX and once on XX/XX/XXXX. They have been very unhelpful. Today we submitted a dispute to PayPal and the information on that case is Transaction Date XX/XX/2022 Payment Amount {$3700.00} XXXX  Recipient XXXX Transaction ID XXXX Case Number XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (GA)

I, XXXX XXXX, consumer, has been going through a financial hardship and credit has been harm by Wells Fargo Bank N.A and has been an inconvenience. 

Pursuant to title 15 USC 6801 ( b ) Wells Fargo Bank, N.A has failed to respect the privacy, and failed to protect the security and confidentiality of my non public personal information. Wells Fargo Bank, N.A has harmed my credit by a charged off and failed to clearly and conspicuously disclose to me that that my information will be furnished to nonaffiliated third parties.Pursuant to title 15 USC 6802, my rights has been violated Pursuant to Gramm Leach bliley act ( GLBA ) Wells Fargo Bank N.A has failed to give explanation of how I XXXX XXXX, consumer can exercise the non disclosure option
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I had Navient student loans and when i was in default years ago was pressured to consolidate them. I see Navient was sue and i have never heard from them on the lawsuit settlement. I was pressured to consolidate them but i can not l find how to contact them. When it appears they were to contact me.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020, 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-09-06
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00}
Consumer complaint received 2022-09-06
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. (MS)

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA XXXX XXXX. By the provisions of the FCRA XXXX XXXX, I am requesting to delete the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry dated XX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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


in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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


in accordance with the fair act reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

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


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-15
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. (NM)

XXXX - I paid off my automobile loan in the XXXX of 2010. I requested a copy of my credit bureau from Experian, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

It shows a 30 day late payment on my credit report for my Chase credit card on XX/XX/2021. XXXX was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.
Consumer complaint received 2019-12-01
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: JPMORGAN CHASE & CO. (CA)

I had a chase amazon rewards credit card where I was making a XXXX dollar minimum payment. I had gone through financial hardships and hard really struggled to make payments every month.
Consumer complaint received 2019-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

I feel that they were targeting me for loans since I was XXXX and graduating high school. I was getting great loans through servicer XXXX from the start. Interest rates were very reasonable and had suggested that I accept my subsidized and I subsidized loans first. Because the fafsa loans were most likely not going to owe any interest until after I graduate or I would only have to pay low interest rates until I graduate and if I could they suggested that I pay principal on the interest bearing loans first. Whereas, Sallie Mae advised me to take an entire public loan with no chance at I subsidized loans and their interest rates were more than twice the rates at XXXX. And thats with my father and his credit score of XXXX at nearly 10 % it was a year before my mother realized we owed well over {$450.00} in interest alone. 
I want to move that loan to XXXX ASAP
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Vendor has refused on multiple occasions to accept my legal and lawful tender method even with directions to tender payment. 
Vendor also has my name attached to an account not known to me and as of to date unknown if they have fixed it. 
Vendor has also caused harm and damages to me by lowering my credit amount without first notifying me, causing adverse actions as I have not been able to receive the credit back I extended. 
Vendor has violated multiple sections of 15USC1602-1692 As well as multiple UCC codes for which each company doing commerce is held to. 
Vendor has also discriminated against me in an adverse action.
Consumer complaint received 2022-09-06
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: Affirm Holdings, Inc (NC)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.
Consumer complaint received 2022-10-21
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. (IL)

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 XXXX XXXX, Account Number # XXXX, Account Name : XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-09-06
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

new Apple Card credit card holder and on Saturday, XX/XX/XXXX they had placed a restriction on my card without providing me any reasons as to why they restricted it I just received a message saying that your account is restricted for no apparent reason they said they have to give me a call back to resolve the issue nobody has called me back theyre just giving us a runaround and it seems like a lot of people are having issues with the same thing car just restricted this is the first time that I had dealt with a big company that has such poor customer service and they are very sickSecretive of what to do they could not see resolve it with me coming in they have to call me which is so stupid
Consumer complaint received 2022-09-06
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. (TX)

I am a natural person, I am a living human being. And i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 161 : I have the right to privacy and i did nit give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX. 

Account Name XXXX  Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX  Account # XXXX XXXXXXXX Account Name Account #
Consumer complaint received 2022-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I applied for a loan and was denied the benefit.in the process my name birthdate and social security number was used. I was discriminated against because of my credit report. The law states that an applicant can not be discriminated against for any reason and in the process my identity was used and I received no benefit.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (TX)

I contacted XXXX as AArgon Agency INC, account number XXXX for XXXX XXXX and XXXX. XXXX after a month later stated that the reporting was verified. However, My Bankruptcy was file prior to AArgon reporting on my credit. XXXX was contacted that I filed XXXX  XXXX bankruptcy  in XX/XX/XXXX, XXXX from AArgon, stated that it was turned over to collection by XXXX XXXX and XXXX in XXXX of XXXX, however, I filed bankruptcy on XX/XX/XXXX. 

I am currently still in an open Bankruptcy  ; my attorney is XXXX XXXX out of TN XXXX my Trustee is XXXX XXXX, filing number is XXXX and all of this information was provided to both AArgon and XXXX. I was not provided a date as to when AArgon Collection INC would be removed from my credit.