davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (MO)

This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.
Consumer complaint received 2021-10-14
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 (IN)

On XX/XX/2020, I received a payment in the amount of {$35.00} via my Paypal account. The payment was recieved from XXXX. XXXX is an American Company dedicated to fitness and exercise. Paypal will not release the payment to me. After repeated calls to Paypal over the past 12 months, I receive the same excuse, " Our Compliance Department has to look into the matter ''. I am told I will receive email updates and never do. I have been given no reason. 12 months have passed and Paypal has been unable to figure out a {$35.00} transaction.
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

My phone number XXXX was used to receive money by another person using Zelle. 

Zelle refuses to give me any information on the person or bank with which my number was registered to receive payments sent to me. 

XXXX XXXX  ( where I bank ) also refuses to open a claim due to the fact that no money was sent from my account. 

I have requested Zelle to unregister MY phone number with that person and the bank, but they have refused to do so stating that probably this number was registered with them before I had it and therefore it is totally legitimate. 

As a result I have not received {$1200.00} sent to me and I can not get any information to start the process of reclaiming the money. 

I am also not able to use my phone number securely in the future since as I now know somebody else has this numbers as his/hers and it is used for banking.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial Systems is attempting to collect a debt that does not belong to me, while also violating HIPPA laws by obtaining my CONFIDENTIAL medical records. I NEVER signed a contract with Commonwealth Financial System, nor did I give XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX permission to release/sell my personal, CONFIDENTIAL medical records to a third party. 

Commonwealth Financial System needs to delete this alleged debt from all credit reporting agencies NOW, and not return, or sell this alleged debt back to the original creditors or a different collection agency. 

Service Date XX/XX/2016 XXXX Ref # : XXXX Account # : XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX gave me a CareCredit brochure with a promotion to help pay for some XXXX. I was not told at the time what would happen at the end of the promotion period. Applied and got the Credit Card. Paid for some of the XXXX with the card. made the Payments and when I got close to the end of the promotion I though the balance had been transferred to another credit card account with a 4 % interest rate. Yet no transfer happened. My payments were still being made though and at no time did I fail to make payments. Autodrafted! In XXXX I got a notice that my card had been charged over {$4000.00} for past interest! I had no idea that would happen. I assumed like regular credit cards it would go to a high interest rate on the remainder of the balance. NOT be charged for the promotional period. I called the Dr. office to find out why they promoted this company! I told them what had happened and they claim to have no idea that this practice of charging the accumulated interest was possible. They, like me, thought the remaining balance would be charged the ultra high interest rate 26.999 %. NOT retroactive. I paid the balance of what I owed for the original amount. And I have paid {$720.00} as well. I called and wanted to find out what I could do about that charge. They just said sorry. This is unacceptable. I pay my bills but this is robbery,.
Consumer complaint received 2019-01-07
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. (MI)

All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.
Consumer complaint received 2024-10-31
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATION/XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXXXXXX 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my Transunion it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-08-05
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. (TX)

I demand the CFPB to hold Equifax accountable for these inaccurate accounts being furnished to my credit report. I have recently sent Equifax the challenge letter attached below. This letter answers any questions they might have and will enable them to delete both of these account swiftly. These inaccurate accounts listed below are causing me unnecessary injury and damages. If Equifax fails to delete these accounts in less than 30 days, I hereby demand they provide me documentation and transcripts via the mail of all correspondence, calls, texts, and emails used to verify this alleged account information. Include proof of any such mailing with my USPS tracking number in response to this complaint.
Consumer complaint received 2023-04-07
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. (PA)

I recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my report immediately.
Consumer complaint received 2022-04-27
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. (GA)

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-04-27
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: JPMORGAN CHASE & CO. (GA)

I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX and XXXX to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I made a payment via cashier 's check of {$15000.00} to purchase a vehicle I was leasing through Nissan Motor Acceptance Corporation. They cashed my check on XX/XX/22 but they are still trying to figure out where the funds are internally. They can not release title or stop my account from needing monthly payments because my lease has reached " maturity '' without finding these funds. I need to make a payment tomorrow XX/XX/22 or if not they will report it to my credit report because it is going to be the " second '' payment missed even though they have cashed my check. They basically can not do anything for me until they figure out where they sent my funds internally which is not my problem. I have been calling them constantly to figure this issue. My check shows it was cashed by them.
Consumer complaint received 2022-10-09
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: ENCORE CAPITAL GROUP INC. (NJ)

In accordance with the fair credit reporting act XXXX act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission. They did not provide verification to me. They didnt verify via mail or electronically.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the XXXX  data breach. Please help me get a response.
Consumer complaint received 2021-12-07
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I made a mistake when I withdrew, the mistake I made was, I had the wrong name for the bank account holder, so the money was pending, and the receiving bank suggested contacting the sending bank. Here 's the chronology : XX/XX/XXXX, I made a withdrawal in my IBKR account, and I made a wire transfer to XXXX, and the process changed to being sent after 2 working days, but my money had not yet entered the destination bank account with a pending status because the name and destination bank account number was different, I hope my money can return to my IBKR account
Consumer complaint received 2022-04-27
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: Bread Financial Holdings, Inc. (GA)

I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.
Consumer complaint received 2021-05-12
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. (IL)

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted
Consumer complaint received 2023-04-08
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: Avant Holding Company, Inc. (PA)

Avant is doing it again! XXXX withdrew {$1100.00} on XXXX without my authorization or permission. XXXX was authorized to charge the minimum payment not take out statement balance. I called asked for refund and they said it would take 3 weeks and I asked to have it returned immediately back into my account and asked to speak to a manager or supervisor. I was declined.