davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

XX/XX/22 : Purchased merchandise ( XXXX items ) from XXXX for {$110.00}, paid via XXXX ( linked to XXXX XXXX ). 
XX/XX/22 : Initiated return of XXXX ( totaling {$95.00} ) of XXXX items ( facilitated via XXXX ). 
XX/XX/22 : XXXX received in XXXX PA ( XXXX returns ) by XXXX. XXXX spoke with XXXX in late XXXX about refund status; was advised that they only had a record of receiving XXXX XXXX I items I returned. 
XX/XX/22 : XXXX issued a refund for this item only, for {$42.00} ( XXXX ) through PayPal to XXXX XX/XX/22 : Initiated " dispute '' through PayPal for the second item in the amount of {$52.00} ( XXXX ). 
XX/XX/22 : decided to report disputed amount to XXXX ; XXXX credited my account for {$52.00} for the disputed item while they attempted to resolve it. 
XX/XX/22 : PayPal emailed me to say they would not go further with their dispute, as XXXX was now involved. 
XX/XX/22 : XXXX recovered the {$52.00} for the second item, which was credited directly & permanently to my XXXX account. 
XX/XX/22 PayPal has now charged me {$42.00}, claiming I got duplicate refunds -- one from them and one from the dispute handled by XXXX -- and is asking me to pay them {$42.00}. I received a total of {$95.00} for XXXX items, both shown on my XXXX account statement. 

XXXX acknowledges they made both of these refunds. XXXX claims they have no roll to play here as they recovered the disputed amount of {$52.00} for the returned item XXXX could initially not locate & I was already credited with {$42.00} for the other item by XXXX via PayPal. 
After XXXX hours on multiple calls, with multiple people, PayPal insists they must recover the {$42.00} from ME and are treating this, rather aggressively & unsympathetically, as straightforward debt collection, claiming I received an extra refund. I did not.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (NJ)

To whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data and Contact Management Solutions, LLC (NC)

I, XXXX XXXX, executor of estate of XXXX XXXX called DCM Services , LLC on XX/XX/21 & XXXX XXXX answered. I informed XXXX XXXX of my identity & I was calling to inform him that the estate of XXXX XXXX was insolvent in accordance with North Carolina General Statute 28A. XXXX XXXX asked if there was any real estate that could be sold to satisfy debt. Then, he asked if there was vehicle/personal property that could be sold to satisfy debt. Finally, he asked the question if there was any life insurance proceeds that could be used. It is illegal for a debt collector to ask a decedent 's relative to use life insurance proceeds to pay for the estate 's debt. I asked him about next steps/paperwork to finalize this claim, he said there wasn't any. 

I called again on XX/XX/21 & spoke with XXXX XXXX again. I followed up about estate insolvency and asked about paperwork to get the claim settled. I had to press him for an answer while experiencing XXXX XXXX hateful attitude and belligerence. Then, XXXX XXXX informs me the methods I could deploy to request a withdrawal of claim. I questioned him as to why didn't he mention the withdrawal of claim form to me on XX/XX/21 when I called him and he didn't answer my question.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is my XXXX year with Capital One, I have two cards with them, I wanted to make a payment which is due on XX/XX/XXXX and at XXXX pm. I was already charged {$25.00} on each account ( {$50.00} in total ) I called immediately ( XXXX pm ) and was told they can not waive the late fee, the staffs were not considerate and they all just wanted my money. How can you charge a late fee for the same day, they said I am not eligible for a waive. I will tell all family and friends not to patronize this credit card company since they use every means to rip people off.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

American Express attempting to collect during an active reinvestigation, using various mediums, email and text. This was included in the Cease and Desist and the Debt Validation to not collect during this process, and to stop communication ( harassment ) during this process. See attached invoice and exhibits.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed from my credit report.
Consumer complaint received 2020-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (CA)

I requested debt Validation from XXXX XXXX XXXX XXXX that represents Flagship Credit Acceptance and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but Flagship responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking Flagship to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
Consumer complaint received 2022-06-29
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. (NJ)

In accordance with the fair credit reporting Act. XXXX XXXX  XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX, date opened XXXX XXXX. Original Creditor XXXX XXXX XXXX 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 an account without my written instruction
Consumer complaint received 2022-06-29
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates Navient has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (GA)

On XX/XX/2021, I sent a certified letter requesting for Velocity Investments LLC to provide me with a certified copy of an original contract with my signature, specifically naming their company as an entity entitled to enforce a claim against me. The letter was a 30 day request. I asked for proof because I have never signed a contract with Velocity Investments LLC for them to file a suit with the XXXX County Magistrate Court against me. 

A representative of Velocity Investments LLC accepted and signed for the letter that I sent on XX/XX/2021. Today makes 34 days and Velocity Investments LLC has failed to provide proof but the suit is still opened with the courts.
Consumer complaint received 2022-06-29
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting
Consumer complaint received 2021-11-22
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : ( XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX )
Consumer complaint received 2020-05-02
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

The mortgage was transferred twice and Freedom Mortgage misapplied monthly payments under " principal '' and " unapplied ''. I talked with several representatives from XXXX to XX/XX/2019 who finally were able to apply the monthly payments correctly, however they incorrectly reported late in XXXX. The payment was NOT late they had the money each month just misapplied. I have called Freedom Mortgage twice and each time they say a supervisor will call me back and they never do nor do they correct the late payment on my credit.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (MN)

FEB-RETAIL Last reported XX/XX/XXXX {$0.00} Open balance {$4000.00} Credit limit Balance carried not confirmed Credit limit {$4000.00} You're using 0 % of your account 's limit Checking for errors? Review your full report details. If you find any issues, we can help. 




Hey XXXX It looks like an account with FEB - RETAIL was added to your XXXX report. 

This could definitely impact your credit score ( like by lowering your average age of open accounts or increasing your total number of accounts ). 

Don't recognize this card? You can file a dispute with the credit bureaus. 


See the card *Based on your credit report information from XXXX as reported on XX/XX/XXXX. 


This is a promotional email. 
To manage your email preferences, please go to notification preferences. 

Hello, I received this email last friday XX/XX/XXXX from XXXX XXXX  that there is a new account on my credit report and I have not applied for any credit card. Please I need help thank you.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST (LA)

I have completed 209 of 210 payments on RV loan and now being charged over 5000 in additional interest and late fees. I have requested documentation or amortization schedule as to how these fees were incurred but received no response. Recent payments were not applied to principal balance at all.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.
Consumer complaint received 2021-06-21
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-20
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. (TX)

In XXXX XXXX XXXX  I went to dealer to look at vehicle. The dealer advised me My credit would be ran with XXXX XXXX, the dealer ran my credit without authorization through multiple banks resulting in hard inquiry, the initial vehicle I had applied for was sold, the dealer called me to come back once they had a vehicle in stock that was sufficient to preference, one again I was told we would continue with XXXX, but it was ran through multiple banks, This is a list of the inquires XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (MS)

Please be advised this is my second attempt to file a complaint. The first complaint experian didn't even read and just put up a standard templete telling me contact them directly and dispute with them. PLEASE BE ADVISED I HAVE DISPUTED DIRECTLY ATTACHED YOU WILL FIND THE LETTERS SENT DIRECTLY TO THEM. FURTHERMORE, I did provide copy of license social security card and copy of a bill. This response has to be illegal by them not even reading my response and just putting anything done to close this case. I demand justice my rights are being violated they should not be allowed to operate this way. I have provided experian copies showing them proof this bureaus collection should not be on my credit. I have contacted the vendor directly and themselves can not validate the collection. I have sent Experian proof of these letters that the vendor can not validate the collection, their response was that vendor came them my name address and social security so it must be true. This way of doing business is illegal they did not obtain any proof other that the vendor giving them my name address and social security. I asked for proof copy of a signed contract and neither experian or the vendor can provide a contract signed by me. Therefore, I am demanding the Experian remove this inaccurate and verifiable collection off my credit. I value my credit and Experian is allowing anyone without verifying to list what ever they want, this is totally illegal and violating rights. I hope this time Experian will take the time to read this complaint and instead of a standard templete telling me to dispute directly. This is illegal I thought this site was for me to file and complaint and actually have it investigated with a proper response from the corportation. We can not allow corporation to do what they want and not follow the proper procedure. Why even have this site to complaint if they can get away without even reading your complaint. I demand justice and have my complaint actually reviewed. I demand this collection bureaus to deleted.
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (GA)

Experian is continuing to report inaccurate information on my consumer report without my consent. I do not know who US DEPT OF ED/XXXX is nor do I have a student loan with them. I have requested they remove this inaccurate account from my report. They said after reinvestigating that it came back verified and accurate. I am requesting the method of verification because I, the consumer, do not validate this account nor know who this company is. Fix this issue or you will be held civilly liable for committing fraud by advertising inaccurate account information on my consumer report without my consent which directly impairs my ability to apply for credit.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of 2021 I went to dealer to look at vehicle. The dealer advised me My credit would be ran with XXXX XXXX, the dealer ran my credit without authorization through multiple banks resulting in hard inquiry, the initial vehicle I had applied for was sold, the dealer called me to come back once they had a vehicle in stock that was sufficient to preference, XXXX again I was told we would continue with XXXX, but it was ran through multiple banks, This is a list of the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX would verify the debt. So I took it upon myself to ask XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.