davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MO)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Citi Reference Number : XXXX " We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your account. '' Send me billing statements as often as you'd like, they will only get ignored. I am not responsible for making required payments because I don't owe your company a dime. I had disputes on my account that were left unresolved, including disputes where I showed you proof of the merchant billing me twice but you still went in favor of the merchant. There's {$600.00} in just one dispute alone that you told me you were crediting back to my account permanently. You later on decided to undo that action. You can not tell a customer you're making a conditional credit permanent, and then later on bill them for it. I also have your promise of a permanent credit for the nearly {$600.00} charge in writing, and I will be using it for supporting documentation, along with proof of all other disputes your company mishandled. And I will be reporting this to the credit bureaus, as well as whatever collections agencies you decide to sick after me. So I suggest you save your time and effort right now and remove the balance from my account, which is only as high as it is due to all the late fees and interest charges which have incurred due to the fact that that were transactions I refuse to pay for because you didn't do your job. 

Have a wonderful day!
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NC)

XX/XX/21 i Applied For the Promotion deal through PayPal For Venmo. To register was a {$10.00} deal to open an account i did that various amounts of time and still no {$10.00} in my Paypal account. Can someone please fix this
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX THROUGH XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, Experian is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. LVNV FUNDING needs to be deleted immediately.
Consumer complaint received 2023-06-09
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 (KY)

On about XX/XX/XXXX I was in a bad car accident where my vehicle flipped around XX/XX/XXXX I was gave a settlement of {$11000.00} from XXXX XXXX the third party who issued the check sent me a link to put my account number in I messed up on the account number but has the correct routing number that had nothing to do with venmo mind you around XXXX the XXXX I got a notification saying that I had {$11000.00} deposited into this remote account I was so confused because it was never supposed to go to a memo account it was supposed to go to my bank account but I messed up the account number well with that being said I wasn't really caring as long as I had access to my money I had time to buy a new car that I now lost I became homeless I was severely injured I had to settle next to nothing so me and my kids wouldn't be homeless and we still ended up homeless and I have {$6000.00} in account they claim I violated some terms of service but the thing is I didn't even ask for my money to go in this account the account number and the routing number is not even two a Venmo account they told me that my account was going to be Frozen and then I needed to work with them while providing all the proper paperwork like the check number the choice number where the payment came from the proof of payment they still refuse to release my funds they said they can hold it for 180 days and that's because they're collecting interest that they own meanwhile me and my children are homeless I lost my car I lost my kids we're staying. Separated all I have a {$5000.00} sitting in a venmo account almost six and they will not even have a conversation with me they are some of the most incompassionate people I've met I was telling them a week before I got evicted I was getting ready to get evicted they did not care this is wrong they are causing people to lose everything including myself especially when my money is accounted for and legal I just need help getting my money back I have tried to reason with them I have asked them to send the payment back I've called every day and they have not gave me no response but 180 days and if your payments can be released will contact you then that is wrong it's been almost 2 months and I've been homeless the whole time and so after this wreck I'm living a living nightmare
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (CA)

I returned my XXXX XXXX XXXX to the Volvo dealership on XX/XX/XXXX. Volvo Car Financial Services ( " VCFS '' ) still hasn't acknowledged this and has sent letters saying that I am delinquent and is making false reports to the credit agencies that my lease balance is past due and delinquent.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credova Holdings Inc (AL)

On XX/XX/XXXX I purchased a firearm thru XXXX XXXX using Credova which was marketed as a buy now pay later program, In the contract given to me it stated there were XXXX items, when i only purchased XXXX firearm, the documents given to me by XXXX XXXX XXXX, who Credova gave my debt to or whatever, state that the open balance is a little over XXXX dollars, when the firearm i bought and received is worth over just a little over XXXX dollars, this loan is a 0 % APR loan, so logically the open balance should only be XXXX or so dollars, the worth of the firearm. When I spoke with someone at Credova on XX/XX/XXXX, they said that because I went past the 30 day " buyout Period '' at the start of my contract, it DOUBLES the amount of the purchase, that's the verbatim reply of the customer service rep. That sounds absolutely CRIMINAL! No where on the contract does it say " the items value will be doubled if this Early buyout method is not used '', its criminal! XXXX forbid a lawyer takes a look at this!
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

I submitted a formal complaint to Lexis Nexis asking them to verify the bankruptcy on XX/XX/XXXX XXXX  XXXX case # XXXX filed XX/XX/XXXX that is on my profile with them they sent me a letter stating they verified the bankruptcy with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand Lexis Nexis directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. 
Lexis Nexis is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Consumer complaint received 2022-10-20
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. (TN)

I am submitting this complaint because Dept of Education transferred my loan ( XXXX ) to XXXX and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : 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 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I am a victim of identity theft -My PayPal Debit/Cash Card and/or Account information was used for unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX of XXXX ( my card was not lost or stolen ) which totaled nearly {$1000.00}. 

I contacted PayPal Customer Service on XX/XX/XXXX and was advised to wait until the charges were processed and then individually dispute each one. 

During the dispute process, I noticed several more charges that were not listed in my Account Activity. - I downloaded my Account Transaction History and verified the unauthorized transactions ( including the cloaked charges ). 

I am unable to dispute the cloaked charges ( which are half of the unauthorized charges ). 

Transaction IDs on my Account Activity section do not match up with Transaction IDs in Account History. 

In Transaction History ( not Account Activity ) a majority of Income deposits were marked from PayPal Inc. instead of original sources ( FL DEO and XXXX  XXXX ). 

I have filed a report with the FTC and the local police, contacted the credit bureaus, and XXXX ( as I pay them to monitor my account and Identity ). - I will be hiring a professional accountant to go through all of my PayPal Transaction History. 

I am enclosing : Account Transaction History for XXXX and XXXX of this year. 

Proof of Cloaked Transactions. 

Proof of Transaction IDs not being correct. 

Copy of Report to FTC ( which contains local police report information ). 

[ Note : This entire process regarding PayPal and Identity Theft, has been absolutely draining, time consuming, and has caused a lot of financial and emotional stress. I have been having to use Credit Cards via another bank due to the fraudulent activity, which has had a negative impact on my Credit Report - In which in XXXX I spent a lot of time repairing and improving- only to be back at square one. ]
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX I did a mobile deposit to my bank. The check was made out to myself and the estate of my father. y father passed away in XX/XX/XXXX and I didn't know about needing an estate account to put the funds into. My bank, instead of rejecting the deposit like it says in their policy, decided to place the deposit on hold due to it being issued to an estate and myself. I have repeatedly asked them to reject the deposit so that a new check can be issued to just me. My bank is refusing to release the funds back to the issuing bank stating that it can only be deposited into an estate account or returned to issuing bank if said bank requests it or puts a stop pay on check. Issuing bank can't put a stop pay on the check because it has already been paid out to my bank. I need help to get my bank to release the funds back to the bank issuing the check.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-11
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)

TRANSUNION, I demand that you exercise your GRAVE responsibility, IMMEDIATELY block and DELETE these inaccuracies, this fraud from my credit report and file. Until TRANSUNION abides by the law and cease unfair and inaccurate reporting, as a consumer I continue to suffer. I look forward to your immediate attention regarding this matter. 

PLEASE SEE ATTACHMENTS
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of XXXX XXXX on our credit report. To be specific Transunion and XXXX records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. XXXX have been also notified numerous of times to correct its recording of an Open Account, XXXX is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

XXXX, Transunion, and XXXX have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.