davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (PA)

PayPal XXXX XXXX XXXX XXXX  on XX/XX/2022, spoke with XXXX. 

XXXX XXXX Can not add my XXXX account due to being on another XXXX account. Stated I have no other XXXX account under any other email address that Im aware of. 

Transferred to supervisor XXXX. She refused to remove the bank account on the other account that they had associated with my account, telling me to contact my bank instead. They refused to remove my bank account information from another account, supposedly with my name on it, and after I verified several email accounts that any other account might be associated, she started to cut me off from verifying more email addresses I thought of. Her solution was for me to contact my bank and tell them to refuse any more transactions from PayPal. I told them that would result in wanting to re-issue my checking account information and that was not an acceptable solution. Again, the supervisor refused to help me, referring me to my bank. 

I only have one checking account in use with PayPal and one PayPal account that I am aware of. The refusal to remove my verified bank account information from an unknown account puts my funds in danger of being fraudulently withdrawn from my account, making the only way for PayPal to do anything about the situation is after the situation has already gotten worse. This is unacceptable. 

Because of this, I have been denied the ability to transfer {$170.00} from my PayPal account to my personal bank account.
Consumer complaint received 2016-11-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX I have sent dispute letters to Experian XXXX and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am asking your help to please REMOVED a portion of the data in my credit file that came about because of a FRAUD.Per FCRA segment 605 you are expected to eliminate any records.I 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX  XXXX.Thank You. 
XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MA)

The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. 

This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (AZ)

Hello, I was XXXX XXXX  my job at the end of XXXX and fell behind on my loan with Prosper. I was past due for my XX/XX/XXXX payment which resulted in a late charge and nsf fee also being assessed to my account for an additional {$45.00}. 

I called Prosper today to make a payment by phone. My monthly payment is {$710.00} and I made a payment for {$710.00} with XXXX. After completing the payment of {$710.00}, XXXX, mentioned that my account was still past due for XXXX for the fees and would be reported late to my credit. I explained to her that the payment I made for {$710.00} for the XXXX installment of {$710.00} which should bring my account current and up to date. The fees for {$45.00} can be paid with the next installment due on XX/XX/XXXX. She again reiterated that my account was still past due. I demanded to escalate to a manager. She put me on hold and returned to the call and said that my payment for {$710.00} would be applied to fees first and then the difference would be applied to principle and interest. Working in the XXXX XXXX for over 30 years, I told her that was completely ludicrous and illegal. Again I demanded to speak with a manager. You can not apply a payment to fees before applying to principal and interest. XXXX placed me back on hold while getting her supervisor on the file. While on hold, I immediately begin preparing my complaint with CFPB. 

After a brief hold, XXXX/Supervisor got on the line. I explained to him my conversation with XXXX. He assured me that the payment I made today for {$710.00} will be applied to the XX/XX/XXXX installment and that my account would be brought current through XXXX. He also agreed to waive the additional fees from the account as a 1 time courtesy and stated he would go back and listen to the call and provide XXXX with additional training/coaching since she provided incorrect information. 

What was intended for a complaint, has now been resolved and I would like to say thanks to XXXX for going above and beyond and providing excellent customer service. Thank you!
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Under the Fair Credit Reporting Act I have the right to privacy. 
In accordance with the Fair Credit Reporting Act any information that can not be verified must be removed. 

On XX/XX/XXXX I disputed the following hard pulls on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The dispute was responded to on the same day and the response from equifax was " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE FOR XXXX  YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I requested validation of my authorization for these inquiries. Equifax made no attempt to verify or validate this information. For this reason the entries must be removed Also when I tried to add a statement on XX/XX/XXXX the customer service agent refused to allow me.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Checking/Savings Impersonating bank representatives to keep account on dark web Mail fraud pertaining to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2023-04-05
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. (AZ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2009 Balance : {$12000.00}. Please delete ASAP.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX keeps posting in accurate data to my credit report. I have complained about this numerous times and as you can see from the documents attached the first delinquency dates are the same theyre not mismatched. XXXX XXXX XXXX is maliciously posting an accurate data which is not fair consistent and accurate based on the fair credit act. Also XXXX XXXX XXXX is posting under comments the word medical on one account but not the other another violation of the fair credit act
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (AL)

XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : 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 XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer 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 EXPERIAN 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXXXXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer 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 XXXXXX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

EQUIFAX is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EQUIFAX STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion refused to look into this record on my file and told me to go dispute with XXXX XXXX XXXX. 

I have received a derogatory mark on my credit by Transunion onXX/XX/XXXX in a form of account in a collection filed by XX/XX/XXXXt XXXX on behalf of XXXX XXXX for {$9100.00}. 

I have filed a dispute on transunions dispute site in XX/XX/XXXX. And called them in XX/XX/XXXX. On the call Transunion refused to open an inquiry on the derogatory mark and asked me to take my dispute and evidence to the collector XXXX XXXX XXXX. 

I called XX/XX/XXXXon on XX/XX/XXXX and informed them that they have incorrectly listed a collection on my record, and that I have done my XXXX at the University of XXXX ( XXXX ) and my masters in XXXX University ( XXXX ) and have never gone to XXXX University nor have I lived there ever. In fact I have lived in XXXX all XXXX, and lived/worked in XXXX all XXXXduring the debt would have taken place. 

XXXX XXXX XXXX responded that they will look into it and someone will call me back. 

Fast forward no call back from XXXX till XXXX, so I called on XX/XX/XXXX and XXXX said please email your dispute to XXXX ( attached is a copy of the email exchange ) I explained the situation, they said they will contact the original debt issuer XXXX University, they did and responded that XXXX provided documents stating the debt. Worth noting XXXX never provided SSN # and the XX/XX/XXXX filed to Transunion with no SS # where Transunion happily reported it with no # SSN. 

I have provided XX/XX/XXXX with all the evidence that shows that I was living/working in XXXX XX/XX/XXXX all XXXX and XXXX ( attached ). Nevertheless they refused to look at my evidence and refused to remove their collection from my records. 

XXXX XXXX is finally asking me to contact XXXX University. Transunion and XXXX XXXX are refusing to look at the evidence and take this case of mistaken identity / identity theft seriously. Boh parties Transunion and XXXX collection are giving me the run around and pointing at other parties to take my dispute to when both are responsible for filing and reporting on my credit and consequently ruining my score.
Consumer complaint received 2023-04-04
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.